• Permanent salaried employees and self-employed professionals.

• Age between 18 and retirement age, with ability to repay before retirement age

• Minimum monthly gross income of LKR 150,000 (Basic + Fixed Allowances + 75% of the 3-month average variable income).

Salary must be received to a DFCC Bank Account and assigned as required

• Completed loan application.

• Signed Terms & Conditions.

• Certified copy of National Identity Card, Driver’s License, or Passport.

• Assignment over salary issued by employer (for salaried applicants).

• Latest 3 months’ salary slips (original or certified copies).

• Written confirmation from 3rd party financial institutions on settlement quantum (for debt consolidation purposes).

• Professional qualification certificate or identification from a relevant professional body (if applicable).

1. Complete your application form

2. Gather all required documents

3. Visit your nearest DFCC Bank Branch

1. Who is eligible for the DFCC One Loan?

   • Salaried employees and self-employed professionals.

   • Applicants with a minimum gross income of LKR 150,000 per month.

   • Those within the age range of 18 to retirement with the ability to make full repayment before retirement.

2. What debts can I consolidate with this loan?

   • You can settle loans, leases, credit card balances, and other borrowings from multiple financial institutions

3. Can I use part of the loan for personal expenses?

   • Yes, a portion of the loan can be allocated for personal financial needs.

4. How long is the repayment period?

   • The maximum repayment tenure is 8 years.

5. What interest rates apply?

   • Interest rates are competitive and depend on loan amount, tenure, and applicant profile. Once you apply, we will present you with the best offer and terms possible.

6. Is salary assignment mandatory?

   • Yes, a salary assignment is required for salaried employees.

7. Can self-employed professionals apply for this loan?

   • Yes, provided they meet the income and professional qualification criteria.

8. How do I apply for the DFCC One Loan?

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

• DFCC Personal Loan

• DFCC Prestige

• Personal Loan Calculator

• DFCC Branch Locator