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CashX review

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

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Our verdict

CashX is a Sri Lankan direct lender for personal and payday loans sized LKR 5,000 to LKR 300,000, aimed at borrowers with steady income and imperfect credit records. Early repayment is free and money arrives fast, but a daily fee structure and short terms make a rolled loan expensive to carry.

Key facts

Best for
Short, fixed-rate personal or payday loans in Sri Lanka, with quick payout and no cost for clearing the balance early.
Loan amount
LKR 5,000 to LKR 300,000↗
Term
5 to 30 months↗
Arrangement fee
Consulting and service fees, 0% to 2.2% per day↗
Funding time
Money credited to bank account within two hours of approval↗
Representative example
Borrow RS 10,000 over 10 days, repayment RS 12,200 in total↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
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)↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
A V Business Solutions (Private) Limited↗
Headquarters
Sri Lanka↗
Support channels
Phone, Email, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
cashx.lk

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Loan sizes are LKR 5,000 to LKR 300,000, covering a short payday sum through to a larger personal loan.
  • Borrowers with poor credit records can apply, and early repayment is free.
  • Money arrives fast, with same day funding and Money credited to bank account within two hours of approval.
  • Support is broad, with phone, email and chat open for payment questions.

Cons

  • Cost keeps ticking: Consulting and service fees, 0% to 2.2% per day is added to a fixed rate, so every extra day adds cost.
  • Terms of 5 to 30 leave little room if income drops.
  • Support runs on phone, email and chat, with no branch or in-person counter listed.
CashX

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • Salaried workers in Sri Lanka whose credit record is poor
  • Borrowers who need cash in a hurry and can clear the balance within the term
  • Anyone who values a fixed rate and free early repayment

Who should look elsewhere

  • Borrowers planning a euro loan rather than LKR 5,000 to LKR 300,000, who should look at Sofkredit, lending amounts of €12,000 to €300,000
  • Borrowers outside Sri Lanka, who may prefer Cashspace, with amounts of PHP 500 to PHP 25,000

Safety of your money

CashX lends directly to borrowers rather than passing an application on, so the same company that decides your application is the one carrying the debt. The clearest handle on price is the published example, Borrow RS 10,000 over 10 days, repayment RS 12,200 in total, which shows what a short loan costs once fees and interest are added. The lender sets its own terms, so the number to check is the total repaid, not the headline rate.

Who runs it

CashX is operated by A V Business Solutions (Private) Limited, which sits in LK and handles applications itself rather than routing them elsewhere. Support runs on phone, email and chat, which covers the routes a borrower usually needs for a payment question or a delay. Everything you deal with sits with a single company, in a single market.

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 in fees?+

CashX charges consulting and service fees of Consulting and service fees, 0% to 2.2% per day, added to a fixed rate rather than a single setup charge. Since the fee runs each day, the total you repay grows the longer the money stays out, so the earlier you settle the less you pay.

How much does a short loan actually cost?+

The published case is Borrow RS 10,000 over 10 days, repayment RS 12,200 in total, and that total is the figure to judge the deal on. Daily fees and interest both add to it, so a loan that looks affordable in amount can still be heavy if the balance is not cleared quickly. Ask for the total repayable in writing.

How fast is the money paid out?+

Payout is quick. same day funding is on offer and Money credited to bank account within two hours of approval. The cash lands in your bank account rather than on a card, so check the account details carefully at application.

Who can apply to CashX?+

Applicants must be adults who are employed or have a steady income and live in Sri Lanka, with a minimum age set in the terms. Credit history is the flexible part: poor credit records are accepted, though the decision still rests on income.

Can I repay early without a charge?+

Free early repayment is one of the clearer points here, and with a fee of Consulting and service fees, 0% to 2.2% per day running each day it matters more than usual. Clearing the balance sooner stops the daily charge adding further days to your total, with no extra exit cost.

Who am I borrowing from?+

The agreement is with A V Business Solutions (Private) Limited, which operates from LK and lends in LKR 5,000 to LKR 300,000. CashX lends directly, so the company you apply to is the company you repay, with no outside party sitting between the application and the debt.

How do I get help with a late payment?+

Help runs on phone, email and chat, so you can call, email or start a chat, and the help centre holds the standing answers. If a payment is late, contact them early, because Consulting and service fees, 0% to 2.2% per day keeps being charged for as long as the balance stays open.

Sources

  • cashx.lk/en checked September 26, 2026

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

    “RS 5,000 to RS 300,000 Amounts”

  • 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, fixed-rate personal or payday loans in Sri Lanka, with quick payout and no cost for clearing the balance early.

9.3/10See alternatives