Frequently asked questions

Monigo is an online lending platform, which you can get help from for your unexpected expenses in easy way.

To use our service you must be:

• Citizen of Sri Lanka
• Age should be 20 - 60 years
• Employed or with regular income source

More information is available here.

Simply you need only have a valid NIC and an active mobile phone number.

You will be informed regarding the interest rate & service fee of the loan before the loan agreement confirmation.

You will receive an immediate update regarding the application status or we will contact you in case of additional questions.

Processing time can be 10 minutes to 1 working day (During our working hours)

You will be notified via SMS from Monigo that your loan application approved. Also, you can view the status of the loan application in your Monigo account.

You can contact our customer care help link for further assistance. You can find more info here.

You can claim your loan via Bank Account transfer (you must be the Bank Account holder).

Yes. You can utilize the available loan limit which offered by us, you can get an additional loan top of the existing loan by submitting the application via your Monigo account.

You can settle the loan easily via:

• Payments via bank branches (Via branch Counter and Cash Deposit Machines)
• Fund transfer through any Bank
• Pay & Go Kiosks

For more details of Repayment instrusctions, Please check repay

You can find all details of your loan terms using your Monigo account.

We offer you an option to extend your loan terms fro 7, 14 or 30 Days.

Details of extending the loan term will be available in Monigo account. Simply login to Monigo account to check the details

Time taken for payment update to our system depend on the bank transfer speed.

If you want to clarify whether we received your payment, you can reach our customer care helpline. Find more info here.

You can check the agreement number in the top part of the agreement which we will be sending to you via email upon disbursement. Also you can access your loan agreement in your Monigo account.

Using Smartphone : Login to Monigo using your credentials >> My loan from menu. Your loan agreement number will be available.



Using Personal Computer : Login to Monigo using your credentials >> My loan from menu. Your loan agreement number will be available.

Your loan due date extension fee related infirmation available in your personal account on the Monigo web page.

Using Smartphone : Login to Monigo using your credentials >> My loan from the menu. Your extention fee for 7, 14 and 30 days will be visible there



Using Personal computer : Login to Monigo using your credentials >> My loan from the menu. Your extention fee for 7, 14 and 30 days will be visible there



You have to pay the exact amount visible in your account. If the transferred amount is not sufficient for 30-day, 14-day or 7-day extension, it will be allocated as partial loan repayment. In such cases, all fees according to the loan agreement, including late payment fee for the overdue loan amount, will continue to accumulate.

You have to mention your Loan agreement number & National Identity Card number (NIC) when making the payment via any payment method.

Note: Each time a payment is made, please make sure that your Loan agreement number/NIC number is clearly written on a clear picture of the payment receipt and uploaded to monigo.lk/payments. Please type the paid date according to the format (dd/mm/yyyy) and type the NIC number which is registered with us while uploading the slip.

Yes, you can make the repayment at anytime before the loan due date.

In order to recover your password, go to Monigo and press the Login button in the upper right corner of the page.

You will be taken to the login page and click on Forgot password.

You will be asked to enter the mobile phone number and we will send you a verification code to your phone number to proceed.

You will be asked to set up and confirm a new login password for your Monigo account to complete.

If you have changed your mobile number or your email address, it is necessary to complete several simple steps to update this information in your Monigo account Profile Settings.

If you wish to suspend your account, please send an email to info@monigo.lk with the following details:

• Full name: As per the NIC
• Phone number: Associated with the account
• Reason for suspension: A clear statement specifying the reason for the request

What Happens If I Suspend My Account?

Your account will be suspended. If you need a new account, you can create one as a new client without any historical data from your previous account.

How Will I Know If My Request Has Been Processed?

Once your account is successfully suspended, you will receive an email confirmation.

What is Passkey and how does it work?

• Passkey is a new, safer way to log in without using traditional passwords. Instead of typing in a password, you confirm your identity with something you already use – like your fingerprint, face recognition, or device PIN.

• When you use Passkey, your login details stay securely stored on your device and can’t be shared or stolen like a password. This means fewer risks of phishing or data leaks, and a much smoother login experience.

Simply put: Passkey = faster logins + stronger protection.