Registered Private Limited Company

Fast & Trusted Micro Credit Services

Empowering your dreams with quick micro credit from LKR 50,000 to LKR 200,000. Daily and weekly repayment options for your convenience.

Apply Now How It Works
Fast Approval
Daily Repayments
Trusted Service
Fast Approval
Within 1 Day
ACTIVE
LKR 100,000
Credit Amount
Repayment
Daily
Duration
60 Days
Daily Payment
LKR 2,000
Start Date
10 Aug 2026
Repayment Progress 40%
JS
JS Micro Credit
Nunavil, Chavakachcheri
On Track
Trusted Service
1000+ Happy Clients
500+
Happy Clients
LKR 200K
Maximum Credit
24 Hrs
Fast Approval
2+ Years
In Service
Credit Facilities

Financing Options Designed for You

Choose the repayment plan that best matches your income pattern and financial goals.

Daily Repayment
Daily Micro Credit
Best for small businesses & traders
Credit Range
LKR 50,000 – LKR 200,000

Ideal for small businesses, traders, and self-employed individuals who need quick access to funds with manageable daily repayments.

Daily repayment collection
Credit from LKR 50,000 to 200,000
Fast 24-hour approval
No collateral required
Flexible duration
Apply for This Credit
Weekly Repayment
Weekly Micro Credit
Ideal for salaried & seasonal income earners
Credit Range
LKR 50,000 – LKR 200,000

Perfect for salaried employees and seasonal income earners who prefer weekly repayment schedules aligned with their pay cycle.

Weekly repayment schedule
Credit from LKR 50,000 to 200,000
Quick approval process
Competitive interest rates
Dedicated officer
Apply for This Credit
Simple Process

Get Your Money in 4 Easy Steps

Our streamlined process ensures you receive funds quickly with minimal paperwork.

1
Apply
Fill out a simple application form with your personal and financial details.
2
Verification
Our team reviews your application and verifies the required documents.
3
Approval
Receive quick approval within 24 hours of submitting your application.
4
Disbursement
Funds are disbursed directly to you on the same or next business day.
Who Can Apply

Eligibility Criteria

Simple requirements to qualify for a JS Micro Credit facility.

Requirements
Sri Lankan citizen or permanent resident
Age between 18 and 65 years
Stable income source (employment or business)
Valid National Identity Card (NIC)
Residence within service area
No active defaults on existing credits
Required Documents
National Identity Card (NIC) copy
Proof of income (payslip or business records)
Recent utility bill (proof of address)
Guarantor NIC and details (if required)
Why Choose Us

The JS Micro Credit Advantage

We combine speed, flexibility, and trust to deliver the best micro-credit experience.

Fast Approval
Get credit decisions within 24 hours with our streamlined process.
Flexible Repayments
Choose between daily or weekly repayment schedules that suit your cash flow.
Transparent Terms
No hidden charges. All fees and rates are communicated upfront.
Dedicated Support
Personal credit officers to guide you through every step of the process.
Local Presence
Based in Chavakachcheri, serving the local community with care.
Secure & Confidential
Your personal and financial data is handled with the highest security standards.
Client Reviews

What Our Clients Say

Real experiences from real people we have helped achieve their financial goals.

JS Micro Credit helped me expand my shop when I needed funds most. The approval was quick and the daily repayment plan fits perfectly with my business income.

S
Small Business Owner
Chavakachcheri

I was able to purchase new farming equipment with the credit facility from JS Micro Credit. The process was simple and the staff were very helpful throughout.

F
Farmer
Nunavil

The weekly repayment option made it easy for me to manage my finances. I would highly recommend JS Micro Credit to anyone looking for fast, reliable micro credit.

T
Tailor
Chavakachcheri
FAQs

Frequently Asked Questions

Everything you need to know before applying for a micro credit facility.

Why document charges?
A small documentation fee is collected to cover the cost of processing your application, verifying identity documents, and preparing the credit agreement. This fee is transparent and communicated upfront before disbursement.
What are the documents required?
You will need your National Identity Card (NIC), proof of income (payslip or recent business records), a recent utility bill as proof of address, and a passport-size photograph. A guarantor with their NIC may be required for larger credit amounts.
Why 60 Days? (Need more days)
Our standard micro credit product runs for 60 days, which balances affordability with manageable daily/weekly repayments. If you need a longer tenure, please speak directly with our team — we can assess your repayment capacity and offer a suitable arrangement.
Get In Touch

Visit or Contact Us

We are here to help you every step of the way. Reach out to us today.

Address
Kallady Muttu Junction, Nunavil, Chavakachcheri
Phone
+94706727812
Opening Hours
Mon – Fri: 9:00 AM – 5:00 PM
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Ready to Achieve Your Goals?

Apply for a micro credit today and get funds within 24 hours.

Apply Now Call Us Now