LoanSharkBait
සමාගම් වෙත ආපසු

සමාගම් පැතිකඩ

LoanMe.lk

CBSL licensed finance company ලැයිස්තුවේ නැත64සෑහෙන
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 names and registration numbers PV00224207, PV00227242, and PV119833 on 2026-06-22; accessed 2026-06-22
ලියාපදිංචි ආයතනය
Fintech Software Solutions (Private) Limitedතහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22
ලියාපදිංචි අංකය
PV00224207තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22; LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22 discrepancy noted
මව් සමාගම / කණ්ඩායම
තහවුරු කර නැතවාර්තා වී ඇතමූලාශ්‍රය:No parent established in checked LoanMe site/Google Play materials, accessed 2026-06-22
වෙනත් නම් / සහෝදර යෙදුම්
තහවුරු කළ කිසිවක් නැතවාර්තා වී ඇතමූලාශ්‍රය:Project owner account of LoanMe referral/defunct status, recorded for P3b review on 2026-06-22; loanme.lk live site pages, accessed 2026-06-22 and LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22 still appeared active

ඔවුන් ප්‍රචාරය කරන්නේ

මෙහි පෙන්වන්නේ ණය දෙන ආයතනයේම ප්‍රචාරක ප්‍රකාශයයි; confidence label සහ මූලාශ්‍රය සමග.

  • Instant cash loans up to Rs 80,000 in 15 minutes

    තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22

  • First loans up to Rs 18,000 and repeat loans up to Rs 80,000

    තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22

  • Loyalty Club and seasonal offers with discounts up to 50% on fees

    තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22

fine print එක කියන්නේ

සෑම ප්‍රකාශයක්ම ලේඛනගත තත්ත්වය හෝ දැනට ඇති placeholder සාක්ෂිය සමග යුගල කර ඇත.

ප්‍රචාරක ප්‍රකාශය

Discounts up to 50% on fees

fine print හි තත්ත්වය

Discount eligibility is conditional on paying prior loans on time within a specific window; pay early or late and the discount is forfeited.

loanme.lk loyalty terms

තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22

ප්‍රචාරක ප්‍රකාශය

Low headline cost

fine print හි තත්ත්වය

Disclosed APR runs 91.98%–183.96%; a Rs 8,000 / 90-day example accrues Rs 3,600 interest (0.5%/day) for Rs 11,600 total.

loanme.lk representative example

තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22; LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22

ප්‍රචාරක ප්‍රකාශය

Straightforward agreement with LoanMe

fine print හි තත්ත්වය

Disputes are resolved exclusively by arbitration; the actual lender is a separate entity (Digital Lending Pvt Ltd) from the platform brand.

loanme.lk T&C

තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22

හොයාගන්න අමාරු දේවල්

හිමිකාරිත්වය, බලපත්‍ර තත්ත්වය, සැබෑ වියදම, permissions, සහ ණය ගන්නා අයට වැදගත් වෙනත් කරුණු.

දත්ත සහ app permissionsCRIBCBSL ලියාපදිංචි ලැයිස්තුව

  • Two companies, one brand

    The 'LoanMe' platform is operated by Fintech Software Solutions (Pvt) Ltd (PV00224207), while the actual lender is a separate company, Digital Lending (Pvt) Ltd (PV00227242). Address: No. 321, Galle Road, Colombo 00300.

    තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22

  • Registration-number discrepancy

    LoanMe's site/T&C cite PV00224207 (Fintech Software Solutions), but the LoanMe Google Play listing's 'About' text cites PV119833. This confirms a registration-number mismatch across checked LoanMe public surfaces.

    තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22; LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22

  • PV119833 reconciliation

    PV119833 is publicly documented for Lendtech Lanka (Private) Limited — operator of the CashWagon brand, a different entity — so the LoanMe Play listing's PV119833 appears to be stale or misattributed boilerplate rather than LoanMe's own registration. This reconciliation rests on company/aggregator sources, not a Registrar of Companies extract.

    වාර්තා වී ඇතමූලාශ්‍රය:LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22; online-loan.lk CashWagon company page tying PV119833 to Lendtech Lanka (Private) Limited (CashWagon brand), accessed 2026-06-23; not Registrar-of-Companies-verified

  • Referral funnel / current status

    On 2026-06-23 Asia/Colombo, the live loanme.lk apply/login buttons routed through a Sun Finance affiliate tracker (sunfinance.go2cloud.org) that resolved to fino.lk — i.e. into the S F Group / Sun Finance funnel — rather than a native LoanMe loan flow. The project owner had separately reported LoanMe as effectively defunct and referring borrowers to Monigo (same operator, S F Group). The standalone Android app may retain its own flow. Treated as a reported, point-in-time observation, not proof of ownership.

    වාර්තා වී ඇතමූලාශ්‍රය:loanme.lk apply/login buttons routing through the Sun Finance affiliate tracker sunfinance.go2cloud.org (offer_id=80, source=loanme_o), which resolved to fino.lk; observed 2026-06-23 Asia/Colombo; Project owner account of LoanMe referral/defunct status, recorded for P3b review on 2026-06-22; loanme.lk live site pages, accessed 2026-06-22; LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22

  • Regulatory status

    Fintech Software Solutions (Private) Limited and Digital Lending (Private) Limited were not found on CBSL's Licensed Finance Companies list or Registered Finance Leasing Establishments list when searched by entity names and registration numbers PV00224207, PV00227242, and the Google Play-disclosed PV119833 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 names and registration numbers PV00224207, PV00227242, and PV119833 on 2026-06-22; accessed 2026-06-22

  • App permissions

    Stated for online application, identity, bank details, employment/eligibility, and app operation.

    Google Play data-safety disclosures include location, personal data, app activity, app info/performance, and device identifiers; exact device permissions were not independently audited in the repo.

    වාර්තා වී ඇතමූලාශ්‍රය:LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22; no repo-local current app-permission audit available on 2026-06-22

මෙම යෙදුමට අදාළ ගණකය

තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22; LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22

Service fee / සේවා ගාස්තුවAPR / වාර්ෂික සමාන අනුපාතයRollover / extension

LoanMe.lk වියදම් පරීක්ෂාව

ඔබගේම අංකයට documented fee model එක යොදා බලන්න.

සේවා ගාස්තුව
LKR 0
පොලිය
LKR 1,500
මුළු ගෙවිය යුතු මුදල
LKR 11,500
සරල APR
182.5%
Rollover APR
196.2%

සූත්‍රය: ((service fee 0% + daily interest 0.5% x days) / amount) x (365 / days).

No separate late-fee schedule was located in checked public LoanMe materials; current calculator uses the disclosed daily-rate cost only.

ලකුණු විස්තරය

මුළු ලකුණ මෙම මානයන්හි ලකුණු වලින් ගණනය වේ.

LoanMe.lk ලකුණු විස්තරය
මානයලකුණුසාක්ෂි
Pre-contract cost transparency2/4

The live site and Play listing disclose APR, rate formula, and a total-repayable example, but no repo-local app-flow footage was available to confirm a clear pre-commit confirmation step.

තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22; LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22
Rate-disclosure honesty4/4

Discloses MIN APR 91.98% / MAX 183.96% and a representative example (Rs 8,000 over 90 days = Rs 11,600 total) on its own site.

තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22; LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22
Consent / confirmation flow2/4

The public site says clicking Apply acknowledges the T&C and Privacy Policy; no app-flow footage was available to confirm a clearer terms-summary confirmation step before disbursement.

වාර්තා වී ඇතමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22; no repo-local current app-flow audit available on 2026-06-22
Data & permissions2/4

Google Play data-safety disclosures include location, personal information, app activity, app info/performance, and device/other IDs; no checked source showed contact-list or SMS harvesting rights.

වාර්තා වී ඇතමූලාශ්‍රය:LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22; no repo-local current app-permission audit available on 2026-06-22
Collection-threat language3/4

Checked public materials show repayment, eligibility, and arbitration terms but no documented threat, public shaming, or CRIB leverage.

වාර්තා වී ඇතමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22
CRIB representations4/4

No CRIB-specific claim was located in checked public LoanMe site or Google Play materials. Private borrower communications were not available in the repo.

තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22; LoanMe Google Play listing, updated 2025-01-08, accessed 2026-06-22
Licensing transparency1/4

Two-entity structure (platform Fintech Software Solutions + lender Digital Lending) is not obvious to borrowers; CBSL licensing status not stated; a registration-number discrepancy appears across its own pages.

තහවුරුයිමූලාශ්‍රය:loanme.lk live site pages, accessed 2026-06-22; LoanMe Google Play listing, updated 2025-01-08, 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 names and registration numbers PV00224207, PV00227242, and PV119833 on 2026-06-22; accessed 2026-06-22

Terms Tracker

terms snapshot කාලානුරූපව සහ පෙර snapshot එකට සාපේක්ෂ වෙනස්කම්.

Terms Trackerණය පැවරීම

  1. 2026-06

    තහවුරුයිමූලාශ්‍රය:loanme.lk public terms

    Operator/lender split and APR disclosure from LoanMe's own pages; Google Play registration-number discrepancy retained.

    platform
    Fintech Software Solutions (Pvt) Ltd, PV00224207
    lender
    Digital Lending (Pvt) Ltd, PV00227242
    address
    No. 321, Galle Road, Colombo 00300
    aprRange
    91.98%–183.96% (disclosed)
    termDays
    90–180
    disputeResolution
    Arbitration only

    මුල් snapshot එක

    මෙම lender සඳහා පළමු සටහන් කළ snapshot එක මෙයයි.

ප්‍රතිචාර දීමේ අවස්ථාව

ප්‍රතිචාර දැක්වීමේ අයිතිය

මෙම සමාගමට ප්‍රතිචාරයක් එවිය හැක. ප්‍රතිචාරයක් ලැබුණොත් එය සාධාරණව මෙහි පළ කෙරේ.

මූලාශ්‍ර

මෙම පිටුව භාවිතා කරන ලේඛන, lender pages, official registers, සහ වාර්තා.

  1. තහවුරුයි
  2. තහවුරුයි
  3. වාර්තා වී ඇත
  4. වාර්තා වී ඇත
  5. Project owner account of LoanMe referral/defunct status (recorded 2026-06-22)primary-document
    වාර්තා වී ඇත
  6. තහවුරුයි
  7. තහවුරුයි
හිරිහැරද? උදව් ගන්න