CashX review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CashX lends directly in Sri Lanka and pays out fast, with money reaching your bank account Money credited to bank account within two hours of approval. Borrowing suits employed adults who need a short personal or payday loan and want to clear it early without extra cost.

Key facts

Best for
Short personal or payday borrowing in Sri Lanka with a fast payout and free early repayment.
Loan amount
LKR 5,000 to LKR 300,000 (Source, checked September 26, 2026)
Term
5 to 30 months (Source, checked September 26, 2026)
Arrangement fee
Consulting and service fees, 0% to 2.2% per day (Source, checked September 26, 2026)
Funding time
Money credited to bank account within two hours of approval (Source, checked September 26, 2026)
Representative example
Borrow RS 10,000 over 10 days, repayment RS 12,200 in total (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age 18 to 60, employed or with a steady income, located in Sri Lanka (terms page: Sri Lankan citizens aged 20 or older, site for use within Sri Lanka) (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
A V Business Solutions (Private) Limited (Source, checked September 26, 2026)
Headquarters
Sri Lanka (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
cashx.lk

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Fixed rate borrowing, so the cost does not move while you repay: fixed
  • Fast payout straight to a bank account: Money credited to bank account within two hours of approval
  • Free early repayment, so settling sooner costs no extra fee
  • Direct lender, so you deal with the company that issues the loan

Cons

  • Fees are heavy at the top of the range: Consulting and service fees, 0% to 2.2% per day
  • The shortest representative example costs Borrow RS 10,000 over 10 days, repayment RS 12,200 in total
  • Credit is aimed at poor credit files, which narrows who is likely to be accepted: poor
CashX

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Employed adults in Sri Lanka with a steady income who need money quickly
  • Borrowers who can settle the balance early and want to pay no early repayment fee
  • Anyone looking for personal and payday loans from a direct lender rather than a broker

Who should look elsewhere

  • Anyone outside Sri Lanka, since the site is for use within Sri Lanka and applicants must be located there
  • People wanting a large long term loan, since terms run 5 to 30 and amounts top out at LKR 5,000 to LKR 300,000

How your money is protected

The clearest guide to what you are agreeing to is the example CashX publishes: Borrow RS 10,000 over 10 days, repayment RS 12,200 in total. That figure shows what the borrowing actually costs once the consulting and service fees are included. CashX lends as a direct lender rather than passing you to a third party, so the contract, the repayments and the customer service all sit with the same company.

How CashX compares

Where CashX is available

Available
Sri Lanka

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does CashX charge for borrowing?+

CashX charges consulting and service fees, listed as Consulting and service fees, 0% to 2.2% per day. The worked example on the site shows Borrow RS 10,000 over 10 days, repayment RS 12,200 in total, which is the clearest way to see the true cost of a short loan. Work out the total you will repay before you sign.

How fast do I get the money?+

CashX states that Money credited to bank account within two hours of approval. Same day funding is one of the features of the service, so a payday style loan can cover a bill that cannot wait for a pay cycle. Approval still depends on the checks CashX runs.

Can I repay the loan early without a charge?+

Yes. CashX offers free early repayment, so clearing the balance sooner does not add a fee. That makes the loan easier to plan around if your income is steady, since you can settle it the moment your money allows.

What size of loan can I borrow?+

Loan amounts run LKR 5,000 to LKR 300,000, which spans a small emergency cash need up to a larger personal loan. Terms run 5 to 30, so shorter repayments carry a higher daily cost under Consulting and service fees, 0% to 2.2% per day.

Does my credit score have to be good?+

No. CashX is aimed at borrowers with a poor credit history, listed as poor. That is useful if past credit problems have closed other doors, though approval still depends on your income and the checks the lender runs.

Who can apply?+

You need to be an adult in Sri Lanka with a steady income or a job. The terms also describe the service as being for Sri Lankan citizens above a minimum age, and the site is intended for use within Sri Lanka.

Is the rate fixed or variable?+

The rate is fixed, so your repayments do not rise if market rates move: fixed. CashX also offers personal and payday loans, which means you can pick a short loan for an urgent bill or a longer personal loan for a bigger expense.

Is CashX a lender or a broker?+

CashX is a direct lender, so you deal directly with the company that issues the loan. There is no third party to apply through, and support runs through phone, email and chat for questions before and after you borrow.

Sources

  • cashx.lk/en checked September 26, 2026

    Backs: Pricing model, Loan amount, Credit needed, Eligibility, Features, Free early repayment, Loan types, Arrangement fee, Rate type, Representative example, Support channels, Term

    “From 0% to 2,2% per day Fees (Consulting & Service)”

  • cashx.lk/en/faq checked September 26, 2026

    Backs: Funding time, Lender type

    “Our goal is to have your money credited to your bank account within two hours of approving your loan application.”

  • cashx.lk/en/term-conditions checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Registered Address : No 47 Alexandra Pl, Colombo 00700”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check.

CashX

CashX

Short personal or payday borrowing in Sri Lanka with a fast payout and free early repayment.

9.2/10See alternatives

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