Loans without income documents - only ID and phone

Microlenders do not require salary certificates, guarantors or collateral. Scoring analyses the application form, phone activity and credit history - a decision takes 10-20 minutes.

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Oncredit logo
Oncreditසියලුම හිමිකම් ඇවිරිණි. OnCredit (Private) Limited ("OnCredit") යනු ශ්‍රී ලංකා…
long term
Up to
40,000 Rs
Up to
183 days
Rate
per tariff
Fino logo
FinoSF Group LIMITED. Registration # PV 00221752 granted by RGC in Colombo;…
Up to
100,000 Rs
Up to
30 days
Rate
per tariff
Binixo logo
BinixoInfinsacom Kft.…
Up to
50,000 Rs
Up to
30 days
Rate
per tariff
CashX logo
CashXAIS IT CONSULTING SERVICES (PRIVATE) LIMITED…
Up to
50,000 Rs
Up to
30 days
Rate
per tariff
Loanplus logo
LoanplusAIS IT Consulting Services (Private) Limited is a company duly incorporated and register…
Up to
80,000 Rs
Up to
30 days
Rate
per tariff
CashX Lite APP logo
CashX Lite APPA V Business Solutions (Private) Limited is a company duly incorporated and registered u…
long term
Up to
200,000 Rs
Up to
90 days
Rate
per tariff

Loan picks for your goal

online loan

loan without denial

first loan at 0%

loan with bad credit history

24/7 loan

fast loan online

business loan

FAQ

Is taking an online loan safe?

Yes, if you deal with companies licensed by the local regulator: the contract is official, data is transmitted securely and activity is regulated by law. Avoid companies demanding an upfront payment before disbursal - those are scammers.

What do I need to get a loan?

An ID, a personal tax number or equivalent, a bank card in your name and a mobile phone. Minimum age 18. No income certificates required.

Does the Calcix service cost anything?

No, it is free for you. We receive a reward from financial companies for successfully arranged loans, so you can use comparisons, calculators and filters for free.

What are the chances of refusal?

Microlenders approve most applications, but nobody guarantees approval. Improve your chances: apply to one company at a time, fill the form exactly per your ID, start with a smaller amount.