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- Nations Personal Loan
Nations Personal Loan
Tailor made loans with convenience and flexibility
Whether you're upgrading your home, planning a dream wedding, traveling abroad, or simply looking for extra financial freedom, a Nations Personal Loan gives you the power to move forward with confidence.
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Sample Penal Interest Calculation
Overdue Installment Amount: LKR 50,000.00
Normal Interest Rate: 10% p.a
Penal Interest Rate: 2% p.a (over and above normal interest)
Total Effective Rate on Overdue Amount: 12% p.a (10% p.a + 2% p.a)
Number of Days Overdue: 30 days
Total interest on overdue Amount (10% p.a + 2% p.a)
Total interest = (50,000 × 12% p.a × 30 days) / 365 days = LKR 493.15
Benefits
Get loans up to a maximum of Rs. 15 million.
You enjoy fixed and variable interest rates.
Repay at your own time, within 7 years.
If you’re a salaried employee, there are no guarantors.
You can even apply jointly with your spouse.
Your loan will be processed within 5 working days.
Conditions Apply
Eligibility
Be a Sri Lankan citizen residing in Sri Lanka
Aged between 18-60 years
Salaried in an recognized institution
In a confirmed employment for minimum 12 months
Earn a minimum net salary of LKR 200,000
Existing customers who earn Net salary above LKR 200,000 (Relationship Managed : Inner Circle /Private Banking Customers)
FAQs
It’s an unsecured loan designed to help you achieve your personal goals — from education to travel, home improvements, or emergencies.
Salaried Individuals who who earn Net salary above LKR 200,000
Minimum LKR 500,000 up to LKR 15 million, depending on your income and repayment capacity.”
Flexible repayment terms from 12 to 72 months.
No. Nations Personal Loans are fully unsecured.
The normal processing time is 5 working days. Green Channel processing will take 3 working days, subject to a fee.
Yes. Premium customers enjoy preferential rates and faster approvals.
Yes, you can settle your loan early, subject to an early settlement fee.”
- Duly completed loan application form
- A copy of National Identity Card
- Recent salary slip
- A letter from your employer confirming your employment and income
- Salary remitting bank statements for the last 6 months (if required)
- Documentary evidence for address verification
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