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Frequently Asked Questions

Our Service

Who is Cashray?

Cashray is an online consumer financial service platform based in Sri Lanka, where customers can obtain instant small amount loans from various lenders.

Enabled by our state-of-the-art financial technologies, we can meet your daily financial needs without asking for collaterals and going through complex application procedures.

Appling a loan

How much can I take?

New customers can get up to Rs. 15,000. Repeating borrowers with excellent credit histories may get more.

How much should I repay?

You can check the amount to be paid during the loan application process. Depending on the loan amount and loan tenure you select, there will be various interest and service charges.

Please apply only if you agree with the repayment amount, date and rest of the terms and conditions.

What is the eligibility criteria to obtain a loan?

We offer loans to customers who are:

What are the requirements to obtain a loan?

We do not require any paper documents. You just need the following items to apply for a loan:

How do I know whether my loan is approved?

Once your loan is approved, you will be informed by SMS, Android notifications, or phone call. Then money will be transferred to the given account number.

I applied but did not receive any update from your end. What should I do?

Regret for the inconvenience. We are glad to assist you. Please contact us for assistance.

Receiving Money

How long will it take to get the money?

You will receive the loan proceeds within one working day (24 hour). We will send you a confirmation text message once the money is transferred to your bank account.

I did not receive money yet after the confirmation. What should I do?

Regret for the inconvenience. We are glad to assist you promptly. Please contact us for assistance.

Repayment of the loan

When is my loan due date?

Repayment details are shown in the first page of our App. Please make sure to check it. We recommend you to make the payment on or before the due date to avoid any penalty charges.

What methods can I use to repay my loan?

Repayment can be made through:

Is early payment possible?

Yes, early repayment is possible without additional charges or penalties.

What is the penalty fee for late payment?

When your loan is overdue, we will charge 2% of the full loan amount each day as late payment fee.


Can I take another loan?

Yes, if you have settled your current loan with us, you can obtain a new loan immediately, usually much faster.