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Flexible Finance for Everyday Needs
Unlock the value of your gold with a convenient financing option for personal, family and short-term financial needs.
A Gold Loan Designed Around Your Needs
The LB Regular Gold Loan is available to both new and existing customers. It combines the shared benefits of the LB Gold Loan facility with a choice of product tiers based on the eligible loan advance amount.
Whether you need funds for education, medical expenses, household requirements or another short-term commitment, the Regular Gold Loan provides a flexible and secure way to use the value of your gold while retaining ownership.
Key Benefits
- Flexible loan periods: Choose from the loan periods available for your product category.
- Competitive interest rates: Access prevailing rates determined by the selected product tier and facility terms.
- Repay across the branch network: Make repayments at any LB Finance branch from Monday to Saturday, including public and bank holidays.
- Interest payments through LB CIM: Pay interest at any time through the LB CIM Mobile Wallet.
- Security and free insurance: Pledged gold is protected by high security standards and free insurance cover.
- Easy redemption and extension: Redeem eligible gold without prior notice or extend the facility at maturity by settling the minimum required interest, subject to terms.
Exclusive Benefits for Existing Customers
Gold Trust
A special scheme designed for existing LB Gold Loan customers, offering eligible customers access to loyalty-based benefits.
Gold Plus
A scheme for eligible customers who already use other LB Finance products, including Leasing, Housing Loans, Fixed Deposits and Savings Accounts.
A Reward Structure That Recognizes Loyalty
Under Gold Trust and Gold Plus, eligible customers may earn points based on their loan advance amount and interest profile. Higher advance amounts can generate better scores and may provide access to preferential benefits.
- Points based on the eligible loan advance amount and interest profile.
- Better scores for higher advance amounts.
- Reduced interest rates and special discounts for eligible customers.
Eligibility and Documents
- Sri Lankan citizen aged 18 years or above.
- Valid National Identity Card, Driving License or Passport.
- Eligible gold articles with a minimum purity of 16 carats.
Rates
Product Categories and Available Loan Periods
| Product Category | Available Loan Periods |
| Normal | 1, 3, 4, 6, 9 and 12 months |
| Classic | 1, 3, 4, 6, 9 and 12 months |
| Premier | 1, 3 and 4 months |
| Gold | 1, 3 and 4 months |
| VIP | 1, 3 and 4 months |
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