Here are Sri Lankan banks that (as of recent public announcements/pages) offer instant or fast digital personal-loan options — short notes on how “instant” is implemented and where to apply:

• Sampath Bank — “Sampath Select” (AI‑powered instant personal loan via Sampath Vishwa app). Marketed as a paperless, automated personal‑loan journey with approvals in seconds for eligible customers. (dailymirror.lk, newswire.lk)

• Commercial Bank of Ceylon (ComBank) — ComBank Digital + Anagi Instant Personal Loan. ComBank offers pre‑approved/instant decisions for eligible customers (Anagi instant facility for salaried women and instant decisions via ComBank Digital when criteria are met); final approval still requires document/CRIB checks. Apply via ComBank Digital or branch. (combank.lk)

• DFCC Bank — “Instant Cashback Loan” (fully digital borrowing experience). DFCC’s product allows eligible customers to access funds (against fixed deposits) in about 2 minutes through online banking / mobile channels. (This is a fast digital borrowing product tied to time deposits rather than an unsecured personal loan.) (dailymirror.lk, businesscafe.lk)

• Nations Trust Bank — Nations Personal Loan. Online application and faster processing (site states loans processed within a few working days for eligible applicants); not every Nations product is “instant,” but online/pre‑approved routes make approval quicker for qualifying salary customers. (nationstrust.com)

• Hatton National Bank (HNB) — HNB Personal Loans can be applied for online and HNB publishes digital/online application capability with relatively fast turnaround (typical approvals take a few working days once documents are submitted). (hnb.net)

• Seylan Bank, Bank of Ceylon (BOC), NDB and other major banks — all offer online/paper‑light personal‑loan applications or pre‑approved facilities for certain salary customers; processing times vary (from “instant decision if pre‑qualified” to a few working days). See each bank’s personal‑loan page for the exact product and eligibility. (seylan.lk, boc.lk, ndbbank.com)

Important notes

• “Instant” is used differently by banks: some give an automated instant decision (seconds) for pre‑qualified customers (Sampath, some ComBank cases); others provide very fast digital borrowing (DFCC for FD‑backed loans) or simply faster online processing (HNB, Nations Trust, Seylan, BOC). Final disbursement commonly requires document upload/CRIB clearance even when an instant decision is shown. (dailymirror.lk, combank.lk)
• Product names, eligibility, interest rates, limits and processing times change frequently. If you want, I can:
  • look up the current exact product page, eligibility and interest rate for any one bank (I’ll fetch the latest page and link it), or
  • compare 2–3 banks’ instant/paperless personal‑loan offers side‑by‑side (limits, typical approval time, how to apply).

Which bank(s) should I pull current product details for?