Updated September 29, 2026 · BorrowCue Editorial Team
CashX vs Credit+
What sets them apart
| Compare |  CashX |  Credit+ |
|---|---|---|
| Loan amount | LKR 5,000 to LKR 300,000 | ₹8,000 to ₹35,000 |
| Term | 5 to 30 months | 91 monthsHigher |
| Arrangement fee | Consulting and service fees, 0% to 2.2% per day | 5% to 7% processing charges, deducted from the loan at disbursement |
| Funding time | Money credited to bank account within two hours of approval | 15-20 minutes |
| Rate type | Fixed | Variable |
| 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) | Indian citizens aged 18-55, salaried professionals, minimum monthly salary INR 20,000, salary credited to an active bank account, minimum credit score 680 |
| Loan types | Personal, PaydayCovers more | Personal |
| Credit needed | Poor | Good |
| APR | Not confirmed | 0.1% to 0.5% |
| Credit check | Not confirmed | Hard |
| Representative example | Borrow RS 10,000 over 10 days, repayment RS 12,200 in total | Not confirmed |
| Origination fee (%) | Not confirmed | 5% to 7% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Term is higher at Credit+: 91 months vs 5 to 30 months.
- Support channels: only CashX offers Chat.
- Loan types: only CashX offers Payday.
Our verdict on each
CashX
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.
Credit+
Credit+ suits salaried professionals with a good credit score who want a personal loan for home improvement funded quickly. Disbursement takes 15-20 minutes, the rate is variable and early repayment is free, but processing charges of 5% to 7% come off the loan before it reaches your account.
Score breakdown
| Area | CashX | Credit+ |
|---|---|---|
| Cost | 9.2Higher | 9.1 |
| Offer | 9.2 | 9.2Offer scores on a 0.1% to 0.5% rate band, a 91 month term and a hard credit check. |
| Trust | 9.2 | 9.2 |
Where they rank in our lists
| Ranking | CashX | Credit+ |
|---|---|---|
| Personal loans | 443 of 1920 | 448 of 1920 |
Pick CashX if, pick Credit+ if
Pick CashX if loan types matter most.
Pick Credit+ if term matter most.
If neither fits
Sofkredit has term at 6 to 240 months, against 5 to 30 months for CashX and 91 months for Credit+.
Sofkredit reviewEvery fact side by side
| Fact | CashX | Credit+ |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | A V Business Solutions (Private) Limited | Credify Technologies Private Limited |
| Headquarters | Sri Lanka | India |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | CashX | Credit+ | Median |
|---|---|---|---|
| APR | Not confirmed | 0.1% to 0.5%lowest quarter | 8.99 |
| Term | 5 to 30 monthsbelow the median | 91 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 5% to 7%highest quarter | 0.25 |
Median across 1152 listed lenders.
Pros and cons
CashX
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
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
Credit+
Pros
- The standout feature is same day funding, with 15-20 minutes from approval to your account.
- Early repayment is free, so a windfall can clear the balance early.
- It is a direct lender, so one party handles the application and the payout.
Cons
- Processing charges of 5% to 7% come off the loan at disbursement, so the approved amount never reaches you in full.
- The rate is variable, so instalments can move with the market rather than staying level.
- The credit check is hard, so a search sits on your file.
Who each suits
CashX
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
Credit+
Who it suits
- Salaried professionals whose salary is credited to an active bank account.
- Borrowers who need the money quickly for home improvement work.
- Anyone comfortable with a good credit score and the eligibility rules.
Who should look elsewhere
- Monzo Flex, whose rate of 10% to 23% sits in a different market and currency.
- Cashspace, at PHP 12 to PHP 36, if a published rate band is easier to weigh than a variable rate.
- Cashspace ES, where the listed rate of 0% is worth checking first if you can qualify.
Current offers
Country by country
| Country | CashX | Credit+ |
|---|---|---|
| India | No | Yes |
| Sri Lanka | Yes | No |
Questions about each
CashX
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.
Credit+
What rate do I pay on a Credit+ loan?+
The quoted rate is 0.1% to 0.5% and the rate type is variable, so instalments can move with the market over the 91 month term rather than staying level throughout. The rate is set for each borrower at application, so an offer can differ from the headline band.
How much can I borrow?+
Loan amounts run INR 8,000 to INR 35,000, which suits a mid-sized renovation or a mix of costs rather than a property purchase. The figure you receive is set against your salary and credit file at application, and the balance is repaid over a term of 91 months.