Company profile
LoanPlus.lk
- Status
- Not on CBSL registerConfirmedSource:Not found on CBSL's Licensed Finance Companies list (as at 27.05.2026) or Registered Finance Leasing Establishments list (as at 10.06.2026), searched by entity name and registration number PV00215063 on 2026-06-22; accessed 2026-06-22
- Registered entity
- AIS IT Consulting Services (Private) LimitedConfirmedSource:loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22
- Registration no.
- PV00215063ConfirmedSource:loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22
- Parent / group
- Not establishedReportedSource:PeerBerry LoanPlus originator/news pages, 2023-10-25, accessed 2026-06-22; no primary LoanPlus/Aventus confirmation located in checked lender pages
- Aliases / sister apps
- None confirmedReportedSource:No aliases located in checked LoanPlus public pages/app-store listings, accessed 2026-06-22
What they advertise
Marketing claims are shown as the lender's claims, with confidence labels and citations.
Online loans up to Rs 249,000
ConfirmedSource:loanplus.lk public pages, accessed 2026-06-22Loan terms from 5 to 30 days on the live site
ConfirmedSource:loanplus.lk public pages, accessed 2026-06-220% interest with consulting, service, and transaction fees on the live site
ConfirmedSource:loanplus.lk public pages, accessed 2026-06-22
What the fine print says
Each claim is paired with the documented reality or the current placeholder evidence.
Advertised claim
Simple online service
Fine print reality
Governed by the Electronic Transactions Act No. 19 of 2006; the operator collects device identifiers and usage data per its privacy policy.
loanplus.lk terms / privacy policy
ConfirmedSource:loanplus.lk Terms & Conditions, effective 2023-07-01, accessed 2026-06-22; loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22Advertised claim
0% interest / low loan cost
Fine print reality
The live site says interest is 0% but lists consulting, service, and transaction fees; its example makes Rs 10,000 cost Rs 2,300 over 10 days. The Google Play listing instead uses a 2.2% per day example over 70 days, so the lender's public cost disclosures conflict.
loanplus.lk home rates; LoanPlus Google Play listing
ConfirmedSource:loanplus.lk public pages, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22Hard to find
Ownership, licensing, cost, permissions, and other buried facts that matter to borrowers.
Who operates it
loanplus.lk is operated by AIS IT Consulting Services (Private) Limited (PV00215063) — an entity named as IT consulting rather than a finance company.
ConfirmedSource:loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22Shared registered address
AIS IT Consulting Services gives No. 47 Alexandra Place, Colombo 7 as its registered/legal address on its privacy policy and Google Play listing — the same address used by S F Group (Fino/Monigo) and A V Business Solution (CashX). This is a documented shared address; it is not, on its own, proof of common ownership.
ConfirmedSource:loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22; Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); CashX Google Play listing address evidence, accessed 2026-06-22Conflicting addresses and cost disclosures
The contact page shows 344 Galle Rd, while the privacy policy/Google Play listing show No. 47 Alexandra Place. The cost model also differs: live site service/consulting fees over 10 days, versus Google Play's 2.2% daily-interest example over 70 days.
ConfirmedSource:loanplus.lk public pages, accessed 2026-06-22; loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22Reported investor-platform parent
PeerBerry reports LoanPlus as an AIS IT Consulting Services lender founded by Aventus Group. This is third-party investor-platform reporting; no primary LoanPlus/Aventus confirmation was located in checked lender pages, so no parent is shown in the profile header.
ReportedSource:PeerBerry LoanPlus originator/news pages, 2023-10-25, accessed 2026-06-22Regulatory status
AIS IT Consulting Services (Private) Limited was not found on CBSL's Licensed Finance Companies list or Registered Finance Leasing Establishments list when searched by entity name and registration number PV00215063 on 2026-06-22. This records register absence only; it is not a legal conclusion about whether the app is required to hold that licence.
ConfirmedSource:Not found on CBSL's Licensed Finance Companies list (as at 27.05.2026) or Registered Finance Leasing Establishments list (as at 10.06.2026), searched by entity name and registration number PV00215063 on 2026-06-22; accessed 2026-06-22Device identifiers / usage data
Stated for accessing the service from mobile devices.
Collects broad identity, financial, salary/debt, device, and usage data; exact app permissions were not independently audited in the repo.
ConfirmedSource:loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22
Per-app fee calculator
ConfirmedSource:loanplus.lk public pages, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22LoanPlus.lk cost check
This lender has conflicting or incomplete public fee data, so the per-app calculator is not shown for it.
- Why this is not calculated
- loanplus.lk public pages, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22; live-site Rs 2,300 cost on Rs 10,000 over 10 days conflicts with Google Play's 2.2% daily-rate example, so no single calculator model is treated as canonical
No separate late-fee schedule was located in checked public LoanPlus materials; current public fee disclosures conflict, so the per-app calculator is disabled for this lender until a canonical fee model is confirmed.
Score breakdown
The overall score is calculated from these per-dimension values.
| Dimension | Score | Evidence |
|---|---|---|
| Pre-contract cost transparency | 2/4 | The public site displays terms and a representative example on-page, but no repo-local app-flow footage was available to confirm a clear total-repayable confirmation step before commitment. ConfirmedSource:loanplus.lk public pages, accessed 2026-06-22 |
| Rate-disclosure honesty | 2/4 | The live site advertises 0% interest with consulting/service/transaction fees and a Rs 10,000 to Rs 12,300 over 10 days example; Google Play instead discloses 2.2% per day over 70 days. Because the public disclosures conflict, this is credited as disclosed but not clear. ConfirmedSource:loanplus.lk public pages, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22 |
| Consent / confirmation flow | 2/4 | The public site describes choosing an amount, completing personal data, waiting for review, then signing the contract before receiving money; no current app-flow evidence was available to confirm a stronger terms-summary consent step. ReportedSource:loanplus.lk public pages, accessed 2026-06-22; no repo-local current app-flow audit available on 2026-06-22 |
| Data & permissions | 2/4 | Privacy policy states collection of identity, contact, financial, salary/debt, hardware ID, phone model, operating system, and cookie/usage data; Google Play adds data-safety collection/sharing categories. No checked source showed contact-list or SMS harvesting rights. ConfirmedSource:loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22 |
| Collection-threat language | 3/4 | Checked public terms/privacy/rate pages did not show documented threats, public shaming, or CRIB leverage; collection posture remains a standard-public-terms finding pending any private evidence. ReportedSource:loanplus.lk Terms & Conditions, effective 2023-07-01, accessed 2026-06-22; loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22 |
| CRIB representations | 4/4 | No CRIB-specific claim was located in checked public LoanPlus site, privacy/T&C, or Google Play materials. Private borrower communications were not available in the repo. ConfirmedSource:loanplus.lk public pages, accessed 2026-06-22; loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22 |
| Licensing transparency | 2/4 | Discloses entity and registration number on privacy/footer/app-store materials; CBSL finance-company licensing status not stated. ConfirmedSource:loanplus.lk Privacy Policy, effective 2024-06-17, accessed 2026-06-22; LoanPlus Lite Google Play listing, updated 2026-04-29, accessed 2026-06-22; Not found on CBSL's Licensed Finance Companies list (as at 27.05.2026) or Registered Finance Leasing Establishments list (as at 10.06.2026), searched by entity name and registration number PV00215063 on 2026-06-22; accessed 2026-06-22 |
Terms Tracker
Chronological snapshots of the terms and a diff against the previous snapshot.
2026-04-29
ConfirmedSource:loanplus.lk public pages and LoanPlus Lite Google Play listingOperator and registration confirmed; public cost disclosures conflict by channel.
- operator
- AIS IT Consulting Services (Private) Limited, PV00215063
- siteTerms
- 5–30 days; Rs 5,000–249,000; 0% interest plus consulting/service/transaction fees
- siteExample
- Rs 10,000 over 10 days -> Rs 12,300 total repayable
- playExample
- Rs 10,000 over 70 days at 2.2% per day -> Rs 25,400 total repayable
- governingLaw
- Electronic Transactions Act No. 19 of 2006
- privacyLaw
- PDPA No. 9 of 2022 referenced
Baseline snapshot
This is the first recorded snapshot for this lender.
Right of reply
This company may submit a response. If a response is received, it will be published here fairly and in context.
Sources
Primary documents, lender pages, official registers, and reporting used by this page.
- Confirmed
- Confirmed
- Confirmed
- Confirmed
- Confirmed
- Fino Agreement No. 31923406510 (project owner's own, 19 May 2026)primary-documentConfirmed
- Reported
- CBSL Licensed Finance Companies list (as at 27.05.2026)official-registerConfirmed
- Confirmed