LoanSharkBait
සමාගම් වෙත ආපසු

සමාගම් පැතිකඩ

OnCredit.lk

CBSL licensed finance company ලැයිස්තුවේ නැත69සෑහෙන
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 PV00232746 on 2026-06-22; accessed 2026-06-22
ලියාපදිංචි ආයතනය
OnCredit (Private) Limitedතහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22
ලියාපදිංචි අංකය
PV00232746තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22
මව් සමාගම / කණ්ඩායම
SpaceCrew Finance, Ukraineතහවුරුයිමූලාශ්‍රය:SpaceCrew Finance about page and public brand materials, accessed 2026-06-22
වෙනත් නම් / සහෝදර යෙදුම්
MyCredit (Ukraine), ClickCredit, Monto, OnCredit Vietnam (closed)වාර්තා වී ඇතමූලාශ්‍රය:SpaceCrew Finance about page and public brand materials, accessed 2026-06-22

ඔවුන් ප්‍රචාරය කරන්නේ

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

  • Loans up to LKR 100,000 for any purpose

    තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22

  • Registration in about 10 minutes and a decision in about 5 minutes

    තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22

  • No additional fees if payment is made on or before the due date

    තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22

fine print එක කියන්නේ

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

ප්‍රචාරක ප්‍රකාශය

0% / low first-loan rate

fine print හි තත්ත්වය

The public site discloses a 2% per day calculator example and states APR at 730%; the Google Play listing gives different APR examples, so borrowers see inconsistent rate disclosures.

oncredit.lk public rates; Google Play listing

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22; OnCredit Google Play listing, accessed 2026-06-22

ප්‍රචාරක ප්‍රකාශය

Simple repayment

fine print හි තත්ත්වය

Late penalties are charged on the 3rd, 8th, 13th and 18th day of delay as a percentage of the outstanding amount.

oncredit.lk rates

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22

ප්‍රචාරක ප්‍රකාශය

Your data is secure

fine print හි තත්ත්වය

A debt-enforcement process may be initiated and claims may be transferred to third parties.

oncredit.lk

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions 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

  • Who owns it

    Operated by OnCredit (Private) Limited (PV00232746); part of the Ukrainian group SpaceCrew Finance, which runs sister brands including MyCredit (Ukraine), ClickCredit and Monto, and previously OnCredit Vietnam (closed).

    තහවුරුයිමූලාශ්‍රය:SpaceCrew Finance about page and public brand materials, accessed 2026-06-22; oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22

  • Real cost

    A ~2%/day interest rate is roughly 730% on a simple annual basis before penalties — far above the per-day framing a borrower sees.

    තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22; arithmetic

  • Regulatory status

    OnCredit (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 PV00232746 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 PV00232746 on 2026-06-22; accessed 2026-06-22

  • Broad phone-data access (reported)

    Stated for identity/credit assessment.

    A current app-permission audit was unavailable in the repo; this published item is limited to reported concerns plus the confirmed third-party claim-transfer language.

    වාර්තා වී ඇතමූලාශ්‍රය:Sunday Times, "Online loans trap borrowers in cycle of unregulated debt", 2025-03-23, accessed 2026-06-22; oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22; no repo-local current app-permission audit available on 2026-06-22

මෙම යෙදුමට අදාළ ගණකය

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22

Service fee / සේවා ගාස්තුවAPR / වාර්ෂික සමාන අනුපාතයRollover / extension

OnCredit.lk වියදම් පරීක්ෂාව

ඔබගේම අංකයට documented fee model එක යොදා බලන්න.

සේවා ගාස්තුව
LKR 0
පොලිය
LKR 6,000
මුළු ගෙවිය යුතු මුදල
LKR 16,000
සරල APR
730%
Rollover APR
949%

සූත්‍රය: ((service fee 0% + daily interest 2% x days) / amount) x (365 / days).

Penalty charged on the 3rd, 8th, 13th and 18th day after the due date as a percentage of the outstanding amount.

ලකුණු විස්තරය

මුළු ලකුණ මෙම මානයන්හි ලකුණු වලින් ගණනය වේ.

OnCredit.lk ලකුණු විස්තරය
මානයලකුණුසාක්ෂි
Pre-contract cost transparency3/4

The FAQ states all fees are displayed before a borrower takes a loan. No repo-local owner footage was available to confirm a fuller confirmation step, so this is scored below the maximum.

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22
Rate-disclosure honesty3/4

The public site gives a 2% per day example and a 730% APR figure, but the Google Play listing gives lower APR examples, so the rate is disclosed yet inconsistent across public sources.

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22; OnCredit Google Play listing, accessed 2026-06-22
Consent / confirmation flow3/4

The FAQ says fees are displayed before the borrower takes the loan; the public record does not show a detailed terms-summary step, so the lower level for a thin confirmation is used.

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22
Data & permissions2/4

Public terms describe debt-enforcement and third-party claim transfer; no current repo-local app-permission audit was available, so broader phone-data allegations are not treated as confirmed.

වාර්තා වී ඇතමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22; no repo-local current app-permission audit available on 2026-06-22
Collection-threat language2/4

References a collection agent and third-party claim transfer; advises borrowers to pre-notify the collection agent.

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22
CRIB representations4/4

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

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, accessed 2026-06-22; OnCredit Google Play listing, accessed 2026-06-22
Licensing transparency2/4

Discloses entity + registration (PV00232746) clearly; CBSL finance-company licensing status not stated.

තහවුරුයිමූලාශ්‍රය:oncredit.lk home, FAQ, and Terms & Conditions pages, 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 PV00232746 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:oncredit.lk public rates

    Snapshot from public site; Google Play gives different APR examples, so the conflict is retained.

    amountRange
    Rs 1,000–50,000 (marketing up to Rs 100,000)
    dailyInterest
    ~2% per day
    latePenaltyDays
    3, 8, 13, 18 after due date
    complaintContact
    +94 11 781 1555

    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. තහවුරුයි
  4. වාර්තා වී ඇත
  5. තහවුරුයි
  6. තහවුරුයි
හිරිහැරද? උදව් ගන්න