genie Flexipay

genie Flexipay is the easiest way to convert your recent transactions made with your genie Debit Card into an installment payment plan Instantly . Just few taps in your debit card transaction history with a seamless, fully digital experience. Every time you use your genie Debit Card you unlock the chance to access a pre-approved loan!

*Subject to approval by Dialog Finance PLC

Key Features
Early settlement option
Pre-Approved Loan Limits
3 - 6 months flexible payment plans
No Down payments
Available for Any Merchant
Quick and Easy
  • Sign In: Open the genie app and log in to your account.
  • Tap the Flexipay Icon: Find and tap on the Flexipay icon in the app.
  • Check Eligibility Instantly: Instantly see if your recent genie Debit Card transactions (above Rs. 5,000) qualify for a loan.
Note: If you’re not a genie Debit Card holder yet, here’s how to get started:
  • Download the genie App: Open a genie Digital Account through the app.
  • Request a Debit Card: Apply for your genie Debit Card.
  • Activate Your Debit Card: Once your card is delivered, activate it right away.
  • Start Transacting: Use your Debit Card regularly for at least 3 months.
  • Maintain a Savings Balance: Keep a minimum balance of 15,000 LKR in your genie Savings Account.
It’s quick, easy: Click here
  • Log into the genie App: Open the app and sign in.
  • Tap on the Flexipay Icon: Select the Flexipay option.
  • Choose a Transaction: Pick a recent genie Debit Card transaction you'd like to convert into a loan.
  • Select Loan Duration: Choose your preferred repayment period—3 or 6 months.
  • Confirm and Transfer: Complete the process, and the loan amount will be transferred to your genie Savings Account.
Link User journey to check eligibility PDF
genie Flexipay FAQ’s
What are my loan options and repayment period?
Your loan eligibility is based on a pre-assigned credit limit, allowing you to convert transactions within a set range. The repayment period can be 3 or 6 months, depending on your eligibility. If eligible for 6 months, you can choose either tenure; otherwise, it will be limited to 3 months.
Can I apply for multiple loans?
Yes, you can convert multiple transactions to a loan between the minimum and maximum amount that is assigned to you based on your eligibility.
Can I settle my loans early?
Yes, you can early settle loans
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 savings account in the order the loans were taken, starting with the earliest loan.
What happens if I default on a loan
your loan performance will be reported to the Credit Information Bureau of Sri Lanka (CRIB). If you default on a loan, you may be blacklisted by Dialog Finance and reported to CRIB, which could impact your ability to obtain loans from other banks or financial institutions in the future.
Will my eligible credit limit increase if I settle the loans on time?
Yes, paying your loans on time can improve your chances of increasing your credit limit, subject to Dialog Finance’s policies.
Do I have to submit any documents?
No, for Dialog Finance Savings customers, no additional documents are required. For new customers, you need to complete the savings account application process, which requires an image of your NIC, proof of billing (if the address differs), and a selfie.
How can I view my loan details?
You can view all loan details in the "Loans in Progress" section under Flexipay in the genie app.
Will I be charged a fee for late payments?
Yes, a late payment fee of 3%* will apply to the overdue amount.
Is there a processing fee for the loan?
Yes, a processing fee will be displayed when you select your loan amount. This fee will be deducted from the loan amount you request, and the remaining amount will be disbursed to your account.
Can I settle the loan early and are there any benefits for early settlement?
Yes, you can settle your loan in full at any time using the early settlement option in the app and paying off the loan with funds from your Dialog Finance savings account. However, an early settlement fee of 1.5% of the total outstanding amount and interest up to the settlement date will be charged.