Here are Sri Lankan banks (and major bank channels) that advertise online / instant or fast personal-loan solutions — with sources so you can check current terms and apply directly:

1. Sampath Bank — “Sampath Select” (AI‑powered, fully automated instant personal loan product). Reported launch May 2025; marketed as a paperless, near‑instant decision and disbursement for eligible customers. (lankabusinessnews.com)

2. Commercial Bank of Ceylon (ComBank) — ComBank Digital lets customers request personal loans online and the bank’s digital platform supports fast/automated processing (ComBank has promoted digital instant/automated approvals via its online channel). Check the ComBank Digital personal‑loan feature for current eligibility and processing times. (combank.lk)

3. Hatton National Bank (HNB) — HNB’s website lists personal‑loan products and an “Apply Online / Apply Now” flow; HNB promotes digital application channels and quick processing for certain salaried/relationship customers. (Confirm exact “instant” disbursement availability for your customer segment on HNB’s site.) (hnb.net)

4. LB / CIM (LB Finance / LB CIM app) — LB’s digital app (LB CIM) advertises fully digital onboarding and “apply for instant personal and business loans” with AI credit decisions and instant disbursement for qualifying applicants. (LB is a finance group with a bank-like digital app.) (apps.apple.com)

5. Other large banks offering online personal‑loan application options (processing speed depends on eligibility / relationship):

   • Seylan Bank — personal/consumer loans available; online request options and branch/web application. (seylan.lk)
   • Bank of Ceylon, People’s Bank, DFCC, NDB, Cargills Bank and others — all offer personal‑loan products; some have faster/more automated digital approval paths for salary‑account customers or existing relationships. (See each bank’s loan page for current digital/instant options.) (deposit.lk)

Note about non‑bank instant lenders and loan apps

• In Sri Lanka many fintech / microloan apps and online lenders (LoanMe, CashX, OneCashLoan, Finpal, FastRupee, etc.) advertise “instant” or same‑day micro personal loans (small amounts) with fully online approval and fast disbursement. These are typically non‑bank lenders (higher cost and different regulation) — compare costs carefully. (srilanka.gost.finance)

Important tips before applying

• “Instant” availability often depends on: whether you already have a salary account or relationship with the bank, your income routing to the bank, credit/CRIB status, and required documents. What’s instant for an existing customer may take longer for a new customer. (combank2022.annualreports.lk)
• Compare interest rates, processing fees and total cost (APR). Some “instant” microloan apps have very high effective monthly rates — read the full cost disclosure. (onecashloan.loan)
• For the most accurate, up‑to‑date details (eligibility, max amount, interest rates, disbursement time), open the bank’s official loan page or contact the bank’s call centre / branch before applying. The loans and digital features above are evolving rapidly (banks launched new AI/instant products in 2024–2025), so check current terms on the bank website. (lankabusinessnews.com)

If you want, I can:

• Pull the direct personal‑loan page links for 3–5 specific banks (ComBank, Sampath, HNB, Seylan) and summarize each product’s current max amount, typical processing time and fees; or
• Compare estimated costs for a sample loan amount (e.g., LKR 200,000 over 24 months) across 3 banks/instant products (if you tell me which banks or the loan amount/term you’re considering).