සමාගම් පැතිකඩ
Fino.lk
- තත්ත්වය
- CBSL register එකේ නැතතහවුරුයිමූලාශ්රය: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 PV00221752 on 2026-06-22; accessed 2026-06-22
- ලියාපදිංචි ආයතනය
- S F Group (Private) Limitedතහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); fino.lk privacy policy, accessed 2026-06-22
- ලියාපදිංචි අංකය
- PV00221752තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); fino.lk privacy policy, accessed 2026-06-22
- මව් සමාගම / කණ්ඩායම
- SF Capital SG PTE. LTD / Sun Finance Group, Singapore / Latviaවාර්තා වී ඇතමූලාශ්රය:fino.lk about/footer pages, accessed 2026-06-22; Sun Finance Group Consolidated Annual Report for the year ended 31.12.2024, signed 2025-06-27, accessed 2026-06-22; Sunday Times, "Online loans trap borrowers in cycle of unregulated debt", 2025-03-23, accessed 2026-06-22
- වෙනත් නම් / සහෝදර යෙදුම්
- Monigo (same registered entity, PV00221752)තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); monigo.lk T&C, accessed 2026-06-22
ඔවුන් ප්රචාරය කරන්නේ
මෙහි පෙන්වන්නේ ණය දෙන ආයතනයේම ප්රචාරක ප්රකාශයයි; confidence label සහ මූලාශ්රය සමග.
Personal loans up to LKR 150,000
තහවුරුයිමූලාශ්රය:Fino Google Play listing, updated 2026-03, accessed 2026-06-22Fast application and bank-account transfer, with no collateral or guarantor presented in the listing
තහවුරුයිමූලාශ්රය:Fino Google Play listing, updated 2026-03, accessed 2026-06-22Website positions Fino as a low-interest online-loan service
තහවුරුයිමූලාශ්රය:fino.lk pages and Google Play listing, accessed 2026-06-22Promo-code and discount framing appears in the documented Fino loan flow/agreement
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)
fine print එක කියන්නේ
සෑම ප්රකාශයක්ම ලේඛනගත තත්ත්වය හෝ දැනට ඇති placeholder සාක්ෂිය සමග යුගල කර ඇත.
ප්රචාරක ප්රකාශය
0% / below 1% interest
fine print හි තත්ත්වය
Interest is genuinely 0% — but the entire cost is loaded into a 'Loan Service Fee'. On the documented loan this fee was LKR 79,200 on LKR 150,000 principal: 52.8% of the principal for the term.
Clause 4.2; Special Terms
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)ප්රචාරක ප්රකාශය
First-loan promo / discount
fine print හි තත්ත්වය
Any discount is revoked if repayment is delayed by 3 or more days, restoring the full service fee.
Clause 4.7
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)ප්රචාරක ප්රකාශය
Simple, fast repayment
fine print හි තත්ත්වය
Extending the due date costs 20% / 35% / 60% of the principal for a 7 / 14 / 30-day extension. Late payment adds 10% of unpaid principal on days 3, 6, 11, 16 and 30 after the due date.
Special Terms; Clause 4.5
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)ප්රචාරක ප්රකාශය
Easy exit if you change your mind
fine print හි තත්ත්වය
A 24-hour withdrawal right (return principal only, no fee) exists but is buried in the terms; after 24 hours the full service fee applies even if you repay early.
Clauses 2.6, 6.4
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)ප්රචාරක ප්රකාශය
Private and personal
fine print හි තත්ත්වය
The lender may contact people listed as references, the borrower's employer, and phone contacts via SMS/WhatsApp/automated calls; may assign the debt and disclose borrower data to third parties within or outside Sri Lanka.
Clauses 3.2, 5.4, 10h, 16.2
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)හොයාගන්න අමාරු දේවල්
හිමිකාරිත්වය, බලපත්ර තත්ත්වය, සැබෑ වියදම, permissions, සහ ණය ගන්නා අයට වැදගත් වෙනත් කරුණු.
Real effective cost (APR)
A 52.8% service fee over the documented ~22-day term is roughly 876% simple annualised (0.528 × 365 ÷ 22), and far higher if rolled over. The '0%' headline refers only to the interest line.
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19) (special terms)Who owns it
Operated in Sri Lanka by S F Group (Private) Limited (reg. PV00221752), the same registered entity used by Monigo. Fino's public footer says S F Group is a subsidiary of SF Capital SG PTE. LTD in Singapore; Fino's about page says S F Group is part of Sun Finance Group in Latvia; Sun Finance's annual report lists SF Capital SG as a group entity. The ownership chain is therefore shown as S F Group -> SF Capital SG -> Sun Finance Group, with the lender self-published link treated as reported.
වාර්තා වී ඇතමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); monigo.lk T&C, accessed 2026-06-22; fino.lk about/footer pages, accessed 2026-06-22; Sun Finance Group Consolidated Annual Report for the year ended 31.12.2024, signed 2025-06-27, accessed 2026-06-22; Sunday Times, "Online loans trap borrowers in cycle of unregulated debt", 2025-03-23, accessed 2026-06-22Regulatory status
S F Group (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 PV00221752 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.
තහවුරුයිමූලාශ්රය: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 PV00221752 on 2026-06-22; accessed 2026-06-22The CRIB threat
The terms say default may be reported to credit bureaus / credit-rating agencies (clause 13.2e). Whether an unlicensed lender can lawfully list a borrower in CRIB is contested — see Your Rights.
චෝදනා මට්ටමමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 13.2e; CRIB rules discussed on /rightsLoans by phone call
Loans can be requested and 'signed' via a voice call, with the agreement generated afterward; the lender may record calls as evidence.
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), recitals A-B and clauses 1, 2.4Where your data can go
Borrower data may be transmitted and stored by the lender's group within or outside Sri Lanka, and shared with third parties it deems necessary.
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 16.2Access to contacts / references
Stated as references the lender may verify and contact.
Enables pressure on third parties who never agreed to anything; a legitimate personal loan does not require contacting your phone contacts.
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clauses 3.2 and 5.4Additional app-device permissions
Not independently audited in this repo.
No app-permission artifact was available, so the published finding is limited to the agreement's confirmed third-party contact rights.
වාර්තා වී ඇතමූලාශ්රය:No repo-local Android permission audit available on 2026-06-22; Fino Google Play listing reviewed
මෙම යෙදුමට අදාළ ගණකය
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)Service fee / සේවා ගාස්තුවAPR / වාර්ෂික සමාන අනුපාතයRollover / extension
Fino.lk වියදම් පරීක්ෂාව
ඔබගේම අංකයට documented fee model එක යොදා බලන්න.
- සේවා ගාස්තුව
- LKR 5,280
- පොලිය
- LKR 0
- මුළු ගෙවිය යුතු මුදල
- LKR 15,280
- සරල APR
- 642.4%
- Rollover APR
- 812%
සූත්රය: ((service fee 52.8% + daily interest 0% x days) / amount) x (365 / days).
10% of unpaid principal charged on days 3, 6, 11, 16 and 30 after the due date (clause 4.5).
ලකුණු විස්තරය
මුළු ලකුණ මෙම මානයන්හි ලකුණු වලින් ගණනය වේ.
| මානය | ලකුණු | සාක්ෂි |
|---|---|---|
| Pre-contract cost transparency | 0/4 | The owner-reported recorded session says disbursement and acceptance occurred while the app was still on the promo-code screen; no repo-local footage was available for independent confirmation, so this remains reported and scored at the lower supported level. වාර්තා වී ඇතමූලාශ්රය:Project owner account of recorded session; private footage not present in repo, reviewed as unavailable on 2026-06-22 |
| Rate-disclosure honesty | 0/4 | Stated interest is 0%, but a Loan Service Fee of 52.8% of principal applied for the term (clause 4.2 + special terms). තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 4.2 + special terms |
| Consent / confirmation flow | 0/4 | The agreement treats the verification code as the borrower's electronic signature, while the owner-reported session says funds were disbursed before a confirmation screen; private footage was unavailable, so the flow evidence is reported. වාර්තා වී ඇතමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 16.1; project owner account of recorded session, 2026-06-22 |
| Data & permissions | 1/4 | T&C reserves the right to contact references, the borrower's employer, and phone contacts via SMS/WhatsApp/calls. තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clauses 3.2 and 5.4 |
| Collection-threat language | 1/4 | T&C permits assignment/sale of the debt and data to third parties, engagement of collection agencies, and third-party contact rights. තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clauses 3.2, 5.4, 10h, 10i, and 16.2 |
| CRIB representations | 1/4 | T&C states default may be reported to credit bureaus or credit-rating agencies; no evidence in the repo shows a lawful CRIB-listing pathway for this entity. චෝදනා මට්ටමමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19), clause 13.2e; CRIB rules discussed on /rights |
| Licensing transparency | 2/4 | Discloses a private-company entity and registration number, but the entity/register number was not found on the checked CBSL LFC/RFLE pages and the site does not clearly explain the licensing distinction. තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19); 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 PV00221752 on 2026-06-22; accessed 2026-06-22 |
2026-05-19
තහවුරුයිමූලාශ්රය:Fino Loan Agreement No. 31923406510 (project owner's redacted primary document, 2026-05-19)Baseline snapshot from the project owner's own redacted agreement.
- interestPct
- 0
- serviceFeePct
- 0.528
- extension
- 7d 20% / 14d 35% / 30d 60% of principal
- lateFee
- 10% of unpaid principal on days 3, 6, 11, 16, 30 after due date
- withdrawalWindowHrs
- 24
- graceSumLkr
- 250
- governingLaw
- Electronic Transactions Act No. 19 of 2006, as amended by Act No. 25 of 2017
- languagePrecedence
- English text prevails (clause 16.16)
මුල් snapshot එක
මෙම lender සඳහා පළමු සටහන් කළ snapshot එක මෙයයි.
ප්රතිචාර දීමේ අවස්ථාව
මෙම සමාගමට ප්රතිචාරයක් එවිය හැක. ප්රතිචාරයක් ලැබුණොත් එය සාධාරණව මෙහි පළ කෙරේ.
මූලාශ්ර
මෙම පිටුව භාවිතා කරන ලේඛන, lender pages, official registers, සහ වාර්තා.
- Fino Loan Agreement No. 31923406510 (project owner's own, 19 May 2026)primary-documentතහවුරුයි
- වාර්තා වී ඇත
- වාර්තා වී ඇත
- වාර්තා වී ඇත
- CBSL Licensed Finance Companies list (as at 27.05.2026)official-registerතහවුරුයි
- තහවුරුයි
- තහවුරුයි
- Fino.lk Google Play listingapp-storeතහවුරුයි