HomePersonalPersonal LoansDFCC Personal Loan

DFCC

Personal Loan

A special loan scheme catering to the needs of salaried and fixed income earning employees in the Private and Government Sector.

Personal Loans


The Most Flexible & Affordable Personal Loans in Sri Lanka

DFCC Personal Loans offer salaried employees in both the government and private sectors a simple and hassle-free way to meet their financial needs. Whether you’re planning a major purchase, home renovation, or an emergency expense, our personal loans in Sri Lanka come with competitive interest rates, flexible repayment terms, and fast approvals.

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DFCC Bank provides a variety of personal loan options to meet your financial needs. Whether you're a salaried employee, self-employed professional, government worker, or planning an eco-friendly investment, we have the best personal loans designed for you.

Personal Loan Options at a Glance

Loan Type

Key Benefits

Who It’s For

DFCC Personal Loan

General-purpose personal loan with flexible terms

Salaried & self-employed individuals, Freelancers (DFCC Freelancer)

DFCC Home Loan

Finance your dream home or apartment, or access the equity of your existing home or property

Homebuyers & property investors

DFCC Solar Loan

Affordable financing for solar energy installations

Homeowners & businesses

Hybrid Personal Loan for Government Employees

Special loan scheme for government sector employees nearing retirement

Government employees nearing retirement

DFCC Ethera Saviya

Loans for Sri Lankans working abroad

Sri Lankan expatriates

DFCC Green Loan

Loans for eco-friendly home & business improvements for SLASSCOM Member Companies & their Employees

Environmentally-conscious SLASSCOM Members & their employees

DFCC Garusaru Pension Loan

Special low-interest loans for government pensioners

Government pensioners

DFCC Teachers’ Loan

Exclusive financing for teachers & educators

Teachers & education professionals

DFCC Auto Loan

Flexible loans for vehicle purchases or to unlock the equity of your existing vehicle

Individuals purchasing vehicles

DFCC One Loan

Consolidate multiple loans from multiple lenders into one simplified payment with attractive terms.

Individuals managing multiple debts

Personal Loan for Self-Employed Professionals

Tailored financing for doctors, engineers, lawyers & accountants

Self-employed professionals

Personal Loans for GMOA Members

Special financing for medical professionals

GMOA-registered doctors

Professional Loan for IESL Members

Special financing for engineers & IESL members

IESL-registered engineers

Educational Loans

Loans for higher education, local & foreign studies

Students & professionals

  • Loan Amounts Tailored to You

    Borrow any amount based on your salary and repayment capacity.

  • Flexible Repayment Terms

    Choose a loan tenure of up to 7 years, ensuring manageable monthly instalments.

  • Low-Interest Rates

    Enjoy competitive personal loan interest rates.

  • Fast & Hassle-Free Approval

    Get quick approvals with minimal documentation.

  • Salary Deduction for Easy Repayments

    Convenient salary assignment option ensures on-time payments.

  • Eligibility:

    • Salaried employees in the government and private sectors.

    • Age between 18 and retirement (loan must be fully repaid before retirement).

    • Minimum income of Rs. 100,000 (Basic + Fixed Allowances).

    • Confirmed employment with at least 2 years of continuous service.

  • Required Documents:

    • Completed loan application form.

    • Signed Terms & Conditions.

    • Letter of undertaking from employer (DFCC prescribed format).

    • Certified copy of National ID, Driving License, or Passport.

    • Latest salary slip (original or certified copy).

  • How to Apply:

    • Complete the application form

    • Gather all required documents

    • Visit any DFCC Bank Branch

  1. Who is eligible for the DFCC Personal Loan?

Salaried employees in the government and private sectors earning a minimum of Rs. 100,000 per month.

  1. What is the maximum repayment period for the loan?

The loan can be repaid over a maximum of 7 years, provided it is settled before retirement.

  1. How is the loan repaid?

Through equated monthly instalments (EMIs)

  1. What documents are required to apply?

A completed application form, proof of identity, latest salary slip, and a letter of undertaking from the employer.

  1. Can I apply for the loan online?

You cannot apply online, but you can make an inquiry.

Inquire now

Interested to Know more
Submit your inquiry now

One of our team members will reply within one business day. If inquiry is made during
non-banking hours, our team member will get in touch on the next working day.

Your privacy is important to us. Please do not include account numbers or other confidential information.


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