Frequently Asked Questions

How do I apply for a loan through Sallito.com?

Once you enter your information into the form, Sallito.com will start searching for lenders that meet your needs. If we find a match, you will be redirected to the lender’s website to review the offer. You are not obliged to accept any offer and can simply decline one that doesn’t work for you. Please make sure that you have fully read and understood the lender’s terms and conditions before accepting their offer.

Is Sallito.com free?

Yes, our service is completely free for you. We earn a small commission from lenders when they credit a loan to your account.

How much can I borrow?

Your individual circumstances will affect exactly how much you can borrow. The amount may differ from lender to lender, but it typically ranges from Rs. 2,000 to Rs. 120,000.

What are the requirements to get a loan through Sallito.com?

Each lender has its own borrower requirements. Generally, you must be a Sri Lankan citizen aged 18 or older with a valid National Identity Card (NIC). You must also have a source of income and a valid debit card or bank account.

I have a poor credit history. Can I apply?

Yes. Most loan products available through Sallito.com are designed to help people, including those with credit history problems. The lenders we work with generally look at your ability to repay in the future, not just at your history.

Can I pay off my loan early?

Yes, you can repay your loan at any time. The sooner you pay it off, the less you will pay in interest, as interest accrues only for the days you actually use the borrowed funds.

What should I do if I have trouble paying?

Before applying, make sure that you are able to repay within the given timeframe. If your situation changes and you are concerned that you cannot repay your loan, contact your lender right away to find out which options are available. If you are experiencing financial difficulties and your debt is mounting, we strongly recommend that you do not take out any more loans and that you seek independent financial advice immediately.

When do I have to repay my loan?

Repayment periods and terms vary depending on the lender and the type of loan you apply for. Your loan agreement gives you detailed information on when payments start, how often they are due and how long the repayment period lasts.

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Intermediary Responsibilities Policy

Sallito.com is not a lender, nor does it take any decisions regarding loans. Sallito.com finds lenders for customers based on their application information. It earns a commission, paid by the lender, for providing advertising services. We cannot guarantee that a lender will accept your application or that they will offer you loan terms that will suit your needs. Not all lenders can provide loans of up to Rs. 120 000. The time it takes to process and transfer a loan depends on the lender. This website does not directly endorse any particular product or service. Any information on this website is approximate in nature. Some lenders may perform a credit check with a credit reporting agency as a loan condition.

Repayment Periods and Interest Rates

The loans offered on Sallito.com have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). APR ranges from 0% to 36%. Interest rates vary from lender to lender.

Representative Example (the total loan cost, including all applicable fees)

A loan of Rs. 5,000 repayable over 4 months with an APR of 3.6% would require a total repayment of Rs. 5,060.

Collection Process

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Consequences of Non-payment

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

Late Payments

If you are unable to repay within the loan period, you need to contact your lender right away. Lenders may charge a fee for late payments, which averages about 0.03% of the amount owed for personal loans and credit cards. Please remember that you will likely incur additional fees if you pay late or not at all, which could add up. For more information about late payment fees, please contact your lender directly and be sure you have read the terms in your loan agreement.

Extension Policy

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.

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