Citizens Credit Investment offers tailored financial solutions for individuals and businesses across Sri Lanka — from micro finance to leasing, pawning, and beyond.
Citizens Credit Investment (PVT) LTD has been serving individuals, entrepreneurs, and businesses across Sri Lanka with accessible, transparent, and responsible financial services.
A complete suite of financial products designed to meet every stage of your personal and business journey.
Empowering small entrepreneurs and low-income households with accessible credit to grow their livelihoods.
Unlock the value of your gold jewellery instantly. Get same-day cash with safe storage and easy redemption.
Own household appliances, electronics, and essential assets now and pay in easy installments.
Scale your enterprise with purpose-built financing — from working capital to expansion loans for SMEs.
Meet your personal financial needs with flexible loan solutions designed to support individuals at every stage of life.
Stay informed about our latest offers, community events, and financial news from Citizens Credit Investment.
We combine the trust of a local institution with modern financial solutions.
Our streamlined process ensures loan decisions within 24–48 hours with minimal paperwork.
Transparent pricing with no hidden fees. We offer some of the most competitive rates in the market.
A dedicated relationship manager who knows your name, your goals, and your financial needs.
Branches and agents across all provinces to serve you closer to home.
Apply online, track your loan status, and manage repayments — all from your phone.
Real stories from thousands of customers who trusted us with their financial journey.

Mr.Sugath Kumara Thennakoon is a dedicated entrepreneur who successfully operates Udara Hotel & Catering Service. His journey reflects determination, hard work, and a strong commitment to building a stable and growing business in the hospitality sector.
He has been a valued customer of Citizens Credit Investment Pvt Ltd for more than four years. Notably, he has been with us since the early stages of our company’s journey, demonstrating strong trust and a long-standing relationship with our organization.
Today, Udara Hotel & Catering Service continues to serve its customers while steadily progressing as a successful local business. His story highlights how access to responsible financial support can empower entrepreneurs to achieve sustainable business success.
At Citizens Credit Investment Pvt Ltd, we are proud to support entrepreneurs like Mr. Sugath Kumara and remain committed to helping our customers grow their businesses and improve their livelihoods.

Mr. Chaminda Bandara Herath is the owner of Happy Shoe Palace, a growing footwear retail business that serves the local community with a variety of quality shoes.
He has been a valued and loyal customer of Citizens Credit Investment Pvt Ltd for the past four years. He has been with us since the early stages of our company, building a strong and trusted relationship with our team.
Through the financial support and flexible credit facilities provided by Citizens Credit, he has been able to strengthen and develop his footwear retail business. He particularly appreciates the efficiency and reliability of our services, which help business owners respond quickly to urgent financial needs.
Expressing his appreciation, Mr. Chaminda Bandara described our service in his own words in Sinhala as “Hadisiyata Asalwasiyek,” meaning “a dependable neighbor in times of urgency.” This reflects the trust and confidence he has in Citizens Credit as a financial partner for his business growth.
At Citizens Credit Investment Pvt Ltd, we remain committed to empowering small business owners like Mr. Chaminda Bandara and supporting their journey toward long-term success.

Mrs. Nirupa Nayanamali is the owner of Bandara Stores, a retail shop that serves the daily needs of the local community.
She has been a valued customer of Citizens Credit Investment Pvt Ltd for more than four years and has been with us since the early stages of our company. Over the years, she has built a strong and trusted relationship with our organization while successfully managing and growing her retail business.
Today, Bandara Stores continues to grow while providing reliable service to its customers. Her success story reflects the positive impact that trusted financial partnerships can have on the development of small businesses.
At Citizens Credit Investment Pvt Ltd, we are proud to support entrepreneurs like Mrs. Nirupa Nayanamali and remain committed to empowering businesses and communities through responsible financial services.

Mrs. Kusumawathi Manike is a dedicated small business owner who operates a retail shop serving the daily needs of her local community. Through her commitment, hard work, and determination, she has been able to maintain and steadily develop her small business over the years.
She has shared that the financial support and services provided by Citizens Credit have been very helpful in supporting the success and stability of her retail business. With access to reliable financial facilities, she has been able to manage her business operations more confidently and continue serving her customers.
Her story reflects how responsible financial support and a trusted partnership can help small business owners strengthen their livelihoods and achieve sustainable progress.
At Citizens Credit Investment Pvt Ltd, we are proud to support customers like Mrs. Kusumawathi Manike and remain committed to empowering entrepreneurs and local communities through responsible financial services.

Mrs. Priyantha Kumari is a hardworking entrepreneur who operates a small business selling sweets and toys to customers in her local community. Through her dedication and commitment, she has been able to build a stable retail business that serves the everyday needs of families and children in the area.
Mrs. Priyantha Kumari has shared that the financial support and services provided by Citizens Credit have played an important role in supporting the growth and success of her business. With reliable financial assistance, she has been able to manage and develop her small retail operations with greater confidence.
Her journey highlights how access to responsible financial support can help small business owners strengthen their livelihoods and continue serving their communities.
At Citizens Credit Investment Pvt Ltd, we are proud to support entrepreneurs like Mrs. Priyantha Kumari and remain committed to empowering businesses and communities through responsible financial services.

Mr. Duminda Bandara Rajaguru is a young and dedicated entrepreneur who operates a retail shop in Wariyapola, serving the daily needs of the local community. Through his hard work and determination, he has been able to establish and maintain a stable small business in the area.
He has shared that the financial support and services provided by Citizens Credit have played an important role in supporting the success and stability of his retail business. With reliable financial assistance, he has been able to manage and strengthen his business operations while continuing to serve his community.
His story reflects how responsible financial support and a trusted partnership can empower small entrepreneurs to grow their businesses and improve their livelihoods.
At Citizens Credit Investment Pvt Ltd, we are proud to support customers like Mr. Duminda Bandara Rajaguru and remain committed to empowering entrepreneurs and local communities through responsible financial services.