HeyRupee

Fees and Commissions

Our website, heyrupee.com, does not charge any commissions for using money. The loan matching service operates transparently. We do not take any interest or fees. Our services are completely free for you to use.

Your financial institution outlines the fees for late payments in your contract. Lenders in Sri Lanka set their own interest rates and penalties for failure to pay.

It is important to note that all financial relationships are between you and your lender, not heyrupee.com. We are not a lender and never act as such. As a website, we only match borrowers and financial entities by offering a selection of companies that provide cash loans up to Rs.120000 for a period of four months.

The lender will determine its own policies regarding loan provision and payment. The user agrees to the terms online directly on the lender’s website. You, as the borrower, may choose to accept or decline the terms offered in the loan terms. Your agreement details the loan amount, repayment period, daily interest rate, fees, and penalties.

heyrupee.com cannot access your loan agreements. If you have questions regarding your loan agreement or repayment, contact your lender directly through the means of communications detailed on their website.

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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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