LB CIM

LB Finance PLC

About this app

LB CIM – So Simple. So Powerful.

Welcome to the new LB CIM App — your digital finance lifestyle companion. Reimagined with a modern design and powered by AI, LB CIM brings everything together in one secure, seamless experience.
Whether you're saving, borrowing, or making everyday payments, LB CIM puts the power of financial control in your hands.
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Key features
• Fully digital onboarding — no branch visits required
• Open and manage fixed deposits and savings accounts from anywhere
• Apply for instant personal and business loans
• Get instant loans against your fixed deposits
• Access gold loan and business loan top-ups instantly
• Track and manage your loans, leases, and deposits
• Download your WHT certificate directly from the app
• Schedule payments and receive reminders
• Transfer funds to any bank or CIM Wallet
• Top up your CIM Wallet from your linked bank account
• Pay utility bills, reload mobile, settle credit cards, and insurance premiums
• Scan and pay securely using LankaQR
• View all your financial activity in one smart dashboard
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Smarter lending with AI
Our AI-powered credit scoring provides real-time loan decisions and tailored offers. Apply digitally, sign digitally — get disbursed instantly.
• Loans from Rs. 25,000 upwards
• Top-ups for gold and business loans
• Repayment terms: 3 to 24 months
• 100% paperless experience
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Eligibility
• Sri Lankan citizen aged 18+
• Minimum monthly income: Rs. 25,000
• Verified CIM Wallet account
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Documents required
• NIC, passport, or driving license
• Proof of address
• Recent pay slips and bank statements
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Maximum Annual Percentage Rate (APR)
• 24 months – 24.03%
• 18 months – 24.27%
• 12 months – 25.10%
• 9 months – 25.00%
• 6 months – 25.71%
• 3 months – 27.86%
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Representative loan example (24 months)
• Loan amount: Rs. 150,000
• Interest: Rs. 71,834
• Processing fee: Rs. 3,000
• Stamp duty: Rs. 150
• In-hand amount: Rs. 146,850
• Total repayable: Rs. 221,856
• Monthly installment: Rs. 9,244
• APR: 24.03%
Fees are deducted upfront. APR may vary by tenure.
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Trusted and certified
LB CIM is developed by LB Finance PLC, licensed by the Central Bank of Sri Lanka and secured by LankaPay and TechCERT. Deposits are insured under the CBSL Deposit Insurance Scheme.
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Award-winning fintech innovation:
• FITIS Digital Excellence Awards
• NBQSA National ICT Awards
• LankaPay Technnovation Awards
• ICSDB Excellence Awards for Sustainable & Digital Business
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LB CIM – So Simple. So Powerful.
Your digital finance lifestyle, now in one app.

Ratings and reviews

All in one banking application but; 👉 Frequent updats are the biggest issue for users. We don't need to spend hours or seek help every time to see where the certain options are. Developers can play "hide & seek" game by deploying 100s of tabs scattered under many sub manus within 6 inch display. But you must UNDERSTAND that users are not playing 8 hours with these apps. The app should be a tool to use in a task and its not a game to play hours.

advertises "seamless digital loans,"but the app is a total failure. I wasted days visiting multiple branches and made nearly 50 hotline calls just to link my bank account to their buggy wallet. ​Only after putting me through this operational nightmare did they run a CRIB check and reject my loan over a facility that was fully settled nearly two years ago. ​Why force customers through endless technical hurdles before checking credit eligibility? Useless app, incompetent support, and zero respect.

Applied for a personal loan through CIM’s online facility, but it was later moved to manual review and has been pending for over a month. A sales representative contacted me for documents, but there was little follow-up or commitment to complete the process. Very disappointing experience. I would not recommend CIM loans to others.

What’s new

New Dashboard & Revamped UI - A refreshed look, better colors and a simpler, more seamless banking experience.
New Digital Premier Savings - Grow your savings with a 7% interest rate.
Thyaga Voucher Gifting - Treat your loved ones with Thyaga gift vouchers from over 200 merchants, redeemable across multiple purchases.
Performance Enhancements - Enjoy a smoother, faster and more reliable app experience.