CashX.lk Review

About 803% a year. CashX.lk does not publish an APR. Its own example charges Rs. 2,200 on a Rs. 10,000 loan over 10 days. That is 2.2% a day, or about 803% a year. Check the total repayable before you borrow.

Basic information

Loan amount: Rs. 5,000 – 300,000
Term: 5 – 30 days
Cost: ≈803% a year · 2.2% a day (our calculation)
Fees: Consulting and service fees from 0% to 2.2% a day
Age: 18–60
What you need: National Identity Card and a mobile phone
Service hours: Every day, 8.30am – 5.30pm
Decision time: CashX says approval takes 5 to 15 minutes

Representative example

Representative example — from CashX.lk’s own site

Loan amount: Rs. 10,000
Term: 10 days
Total repayable: Rs. 12,200
Cost of credit: Rs. 2,200
Yearly equivalent (our calculation): ≈803%

Pros and cons

Pros

Application is fully online, with only a NIC and a mobile phone
Open every day of the week
Registered company in Sri Lanka (PV00211145)

Cons

Very expensive: about 803% a year at the top daily fee
Very short terms, 30 days at most
No APR is published

How to apply

Go to CashX.lk
Choose your loan amount and repayment period
Register with your National Identity Card and bank account details
Check the total repayable shown before you confirm
After approval, the lender transfers the money to your bank account

Apply with CashX.lk

For information only. LoanLanka is not a lender.

What the app listing says

CashX.lk’s Google Play listing gives different figures from its website. As of 14 October 2026, the listing says:

“Annual interest rate” of 260%
Repayment over 62–90 days
Ages 20–60
Its example: Rs. 10,000 over 70 days at 2.2% a day, Rs. 25,400 to repay. That is about 800% a year, not 260%

Check the total repayable shown in the app or on the website before you accept a loan. See the Google Play listing.

Contact and repayment

Phone: +94 11 7474 111
Service hours: Every day, 8.30am – 5.30pm
How to repay: Pay online through Pay&Go, or in cash at any Pay&Go kiosk using your NIC and mobile number. CashX asks you to send it a photo of the receipt; its repayment page gives the number.
Official repayment page: cashx.lk/en/how-to-repay-a-loan/

Only pay through the lender’s own website, app or the payment options it lists. Scammers pretend to be lenders and ask for payment to other accounts.

Company details

Company name: A V Business Solutions (Private) Limited
Registration number: PV00211145
Phone: +94 11 7474 111

Frequently asked questions

What does a CashX.lk loan really cost?

CashX.lk does not publish an APR. Its own example charges Rs. 2,200 on a Rs. 10,000 loan over 10 days, which is about 803% a year by our calculation.

Is CashX.lk a registered company?

Yes. CashX.lk is operated by A V Business Solutions (Private) Limited, company registration number PV00211145. Company registration is not the same as a Central Bank of Sri Lanka licence.

How long do I have to repay a CashX.lk loan?

CashX.lk lends for 5 to 30 days. If you need longer, Monigo.lk lends for 91 to 180 days at a published APR of 190%.