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genie flexipay

The flexible Way to Manage Your Payments. Turn your genie Debit Card transactions into easy installments with genie flexipay. Simply convert any debit card transaction into a loan of up to 3 or 6 months and pay in convenient installments. You can apply seamlessly via the genie app through a fully digitalized process with zero paperwork. Since this is a pre-approved loan, you can enjoy a hassle-free experience. genie flexipay is the smartest way to manage your finances efficiently

Subject to approval by Dialog Finance PLC.

Key Features
Pay in 3 or 6 months with flexible payment plans
Zero Documentation with pre-approved loan limits
No first installment deduction at the time of conversion
Available for Any Merchant (T & C apply)
Multiple Loans Facility
How to check Eligibility
Step 01: Open the genie app, sign in, and click on the flexipay icon.

Step 02: If you are eligible for flexipay, your recent transactions made with the Genie Debit Card will be displayed on the screen once you click the "Get Started" button.

If you are not eligible for genie flexipay, your transactions will not be displayed. This could be for the following reasons:
  • Not having an active genie savings account.
  • Not having a genie debit card.
To know how to be eligible, refer to the FAQ section.
How to apply
Step 01- Open the genie app and sign in. Tap on the flexipay Icon.

Step 02- Click on the get started button.

Step 03- Pick a recent transaction made via your genie Debit Card to convert into a loan.

Step 04- Choose your preferred repayment period—3 or 6 months.

Step 06- Complete the process, and the loan amount will be transferred to your genie digital Account.

Guide to flexipay loan
genie flexipay FAQ’s
What is flexipay?
flexipay is a Buy now, pay later solutions are excellent options if you want to make purchases more manageable by paying them off over time. Get what you want right away and break the payments into 3 or 6 months.
Who is eligible to use flexipay?
To be eligible for Flexipay, you must have an active Dialog Finance savings account. Additionally, you need both an active Dialog Finance savings account and an active genie debit card to use this facility. Please note that customers with ongoing Quick Loans or LesiPay must settle their existing Quick Loan or LesiPay loan in order to qualify for a Flexipay loan.
How do I apply for flexipay?
Once you meet the eligibility criteria mentioned above, you can apply for the loan through the genie app.
I have a genie Digital Savings account but do not have a Genie Debit Card. How can I apply for flexiPay?
  • Step 01: Apply for your genie Debit Card via genie app and Activate Your Debit Card Once your card is delivered.
  • Step 02: Once you do transactions using your genie debit card then it will show your transactions to convert into a loan.
  • Step 03:Pick the genie Debit Card transaction you'd like to convert into a loan..

* To be eligible, you need to maintain a healthy savings balance and keep your account active with frequent deposits, as Dialog Finance reserves the right to determine customer eligibility for this feature.
I'm not a Genie Digital Savings account holder and don't have a Genie Debit Card. How can I apply for flexiPay?
  • Step 01: Download the genie app. Click on the "Savings" icon to open a genie digital account online through the app, without any paperwork.
  • Step 02: While applying for your digital account, also apply for your genie Debit Card. Activate your Debit Card once it is delivered.
  • Step 03: To be eligible for this feature, ensure that you use your Debit Card regularly, maintain a healthy savings balance, and keep your account active with frequent deposits. Dialog Finance reserves the right to assess and determine customer eligibility based on these criteria.
Are there any documents required to apply for flexipay?
No additional documents are required for existing customers, For new customers, you will need to open a Dialog Finance Savings account.
How quickly can I get my flexipay loan approved?
Since the loan is pre-approved based on your savings behavior, the loan will be approved as soon as you meet the eligibility criteria.
Will I have to make any payments before my first installment is due?
No, there are no initial installment payments. Your first installment will be due as per the agreed repayment schedule.
Is there any fee deducted from my loan amount?
Yes, a 5% processing fee is deducted from the loan amount, and the remaining 95% is credited to your digital account at the time of loan disbursement.
How is my loan limit determined?
Your loan limit is based on your savings account behavior.
Can I use flexipay for all transactions made with my Debit card?
You can use flexipay for transactions made with your genie MasterCard if the amount is over 5,000 LKR and the transaction was made within the last 30 days. However, telco and utility payments and ATM withdrawals using the card are not eligible. You can check eligible transactions on the "Eligible Transactions" screen.
What fees are associated with flexipay?
There are two fees:
  • Processing Fee
  • Loan Interest Fee
How can I view my loan details?
You can view all loan details in the "Loans in Progress" section under Flexplay in the Genie app.
How will I repay my loan?
Loan repayments are automatically deducted from your Dialog Finance Savings account through an auto-recovery process.
What is the repayment period for flexipay loans?
flexipay offers flexible repayment options of 3 or 6 months.
What happens if I make a late payment?
A late payment fee of 3%* will apply to the overdue amount.
Can I settle my loans early?
Yes, you can settle loans early. However, an early settlement fee of 1.5% of the total outstanding amount will be charged.
Can I apply for multiple loans?
Yes, you Can apply for multiple loans. But each transaction can be converted into a loan individually, as long as it is within your eligible loan amount.
How are installments deducted from my savings account if I settle multiple loans at once on the same due date?
If you settle multiple loans at the same time, payments will be deducted from your savings account in the order the loans were taken, starting with the earliest loan.
How can I contact customer support for flexipay?
If you have any questions or need assistance, you can contact our customer support team through our website's live chat, phone support,
What are the benefits of using flexipay?
  • No first installment deduction at the time of conversion
  • Flexible 3 or 6-month repayment plan
  • Pre-approved loan based on your saving behavior
  • No documentation required
Loan, installment and penalty calculation methods?
What is the definition of a month?
A 30-day month from the day the loan is obtained (not a calendar month). E.g.: If a customer takes a loan on 5th January for 3 months, it will be due on 4th April. The first installment will be due on February 4th, the second installment will be due on March 5th and the last installment will be due on April 4th.

How is my daily penalty interest calculated for late payment?
The number of days elapsed are taken for penalty interest calculation.

E.g.: If a loan is due on 2nd June and repaid on 4th June, penalty interest is charged for 2 days. This includes weekends and holidays.