The CIM Personal Loan is a smart, short-term financial solution designed for salaried individuals who need quick access to funds. Whether it’s for personal expenses, emergencies, or planned purchases, CIM gives you a simple, affordable, and convenient borrowing experience – right from your phone.
Key Features
- Receive instant loan approval through our AI-powered credit evaluation system for a quick and seamless experience. If you’re not eligible for instant approval, your application will automatically move to the manual review process.
- Align Your Repayment to Your Salary Date. Manage your finances better by choosing a due date that matches your monthly salary cycle.
- Loan Amounts: Rs. 25,000 to Rs. 300,000
- Flexible repayment period from 3 to 24 months.
- Interest Rate: 1.3% per Month (Flat Rate). The minimum interest rate is 1.3% per Month and may vary based on your selected repayment period and credit score.
Eligibility
To apply for a CIM Personal Loan, you must be :
- A Sri Lankan citizen currently residing in Sri Lanka
- 18 to 55 years of age
- A Salaried employee with at least 6 months of continuous employment
- Earning a minimum monthly net salary of Rs. 30,000
- Employed under either Permanent or Fixed-Term status
- Salary must be credited to a bank account
Requirements
Have these documents ready for a smooth application process:
- Completed digital loan application form
- National Identity Card (NIC)
- Last 2 months’ salary slips
- Last 2 months’ bank statements (salary-credited account)
- Salary account details (must be the account where monthly salary is credited)
- Submit details of two referees—one from your workplace and one from your family. For each referee, include their full name, NIC, and contact number.
Additional Information :
The document charge is 2% of the loan amount requested, subject to a maximum of Rs. 3,000.
