HeyRupee

Frequently Asked Questions

How do I apply for a loan through heyrupee.com?

Once you enter your information into the form, heyrupee.com will start searching for lenders that meet your needs. If we find a match, you will be redirected to the lender’s website to review the offer. You do not have any obligation to accept any offer, and you can simply decline any that doesn’t work for you. Please be sure that you have fully read and understood the lender’s terms and conditions before accepting their offer. They will be displayed clearly before you can agree to proceed.

Is heyrupee.com free?

Yes, finding loan offers with heyrupee.com is totally free.

What’s the most I can get?

Your individual circumstances will affect exactly how much you can borrow. The amount may differ from lender to lender, but it typically runs from Rs. 2 000 to Rs. 120 000.

What kind of identification do I need?

Each institution has its own borrower requirements. Overall, you must be a citizen of Sri Lanka over the age of 18 with a valid SSS, TIN, or UMID card; you must also have a source of income and be able to provide a valid debit card or bank account number.

I’ve got a few blemishes in my credit history. Can I apply?

Most loan products available through heyrupee.com are designed to help people, even those with credit history problems. The lenders we work with generally look for your ability to repay in the future and not just your history.

Can I make payments on my loan ahead of schedule?

Yes, you can repay your loan at any point before it expires.

What can I do if I canot repay my loan?

It is important to be certain that you are able to pay within the given timeframe before applying. If your situation changes, and you are concerned that you cannot repay your loan, it is best to contact your lender right away to find out which options are available. If you are experiencing financial issues and have a mounting debt, we strongly recommend you not taking any more loans from any lending institution, and that you immediately seek independent financial advice.

How do I repay?

Each lender has their own process and will send you all the information you need to make your payments. Repaying loans is simple and can often be done through direct transfer, by creditor debit card, or by depositing money to a specified bank account. You should follow the instructions your lender gives you and make payments on time to avoid additional charges.

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Intermediary Responsibilities Policy

heyrupee.com is not a lender, nor does it take any decisions regarding loans. heyrupee.com finds lenders for customers based on their application information. It earns a commission, paid by the lender, for providing advertising services. We cannot guarantee that a lender will accept your application or that they will offer you loan terms that will suit your needs. Not all lenders can provide loans of up to Rs. 120 000. The time it takes to process and transfer a loan depends on the lender. This website does not directly endorse any particular product or service. Any information on this website is approximate in nature. Some lenders may perform a credit check with a credit reporting agency as a loan condition.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The APR is the cost of borrowing a loan, expressed as a nominal annual interest rate. As heyrupee.com is a credit broker and not a lender, we cannot guarantee a particular annual percentage rate. Annual percentage rates typically range from 0% to 36%. Repayment periods for loan products usually range from four months to six months. Before accepting a lender’s offer through our system, please make sure to read through the loan agreement carefully, since interest rates and repayment terms may differ from those listed on this website.

Collection Policy

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Default

heyrupee.com always recommends repaying on time. If you cannot, each lender has their own policies on fees/interest and how they handle debt collection. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Nonpayment may result in penalties and/or increased interest. We recommend that you contact your lender as soon as you know there is an issue; otherwise, your credit history may get affected.

Late Payments

If you are unable to repay within the loan period, you need to contact your lender right away. Lenders may charge a fee for late payments, which averages about 0.03% of the amount owed for personal loans and credit cards. Please remember that you will likely incur additional fees if you pay late or not at all, which could add up. For more information about late payment fees, please contact your lender directly and be sure you have read the terms in your loan agreement.

Loan Extension Policy

heyrupee.com does not recommend extending your loan. If you feel that you cannot repay your loan on time, then we strongly suggest you not taking it and recommend that you seek independent financial advice. However, should you decide that an extension is necessary, please discuss this option with your lender. For more information about your lender’s process and policy regarding nonpayment, please review the terms in your loan agreement.
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