Short answer — based on banks' published product pages as of Sep 6, 2025, the lowest advertised vehicle/auto‑finance rates in Sri Lanka are (examples):

• DFCC Bank — auto‑loan/leasing: fixed rates as low as 9.00% p.a. (fixed 3‑yr) for salary‑assignment customers (other fixed/variable options also shown). (uat1.dfcc.lk)
• Sanasa Development Bank (SDB) — vehicle/leasing indicative rates for “private vehicles (low risk)” shown around 11.5% p.a. (tenure‑dependent). (sdb.lk)
• People’s Bank — vehicle loans advertised at about 12.5% – 14.0% p.a. (12.5% cited as the minimum on the bank’s rate table). (peoplesbank.lk)
• Commercial Bank of Ceylon — leasing/vehicle offers (including special schemes) with market rates advertised from about 12.75% p.a. for certain segments/promotions. (combank.lk)

Notes you should know

• Rates depend strongly on customer profile, tenor, whether the loan is a hire‑purchase/loan vs. finance lease, salary‑assignment discounts, promotions and whether the vehicle is new/used or imported. Published “from” rates or promotional rates may apply only to specific customer segments. (uat1.dfcc.lk, combank.lk)
• The Central Bank (CBSL) changed vehicle financing LTV caps effective July 18, 2025 (this affects how much you can borrow against the vehicle, though not the headline interest rate). Check the CBSL direction for LTV limits. (cbsl.gov.lk)

What I recommend

• Get written quotes from 3–4 banks/dealers for the exact vehicle you want (include tenor, down‑payment, fees and preclosure charges). Compare the effective cost (total interest + fees), not just headline rate.
• Ask each bank whether they offer a salary‑assignment discount or fixed‑rate packages (those can materially lower the rate). (uat1.dfcc.lk, combank.lk)

If you’d like, I can:

• Compile a side‑by‑side comparison (rate, max tenor, typical down‑payment/LTV, special conditions) for a shortlist of banks — tell me the vehicle price, preferred tenor and whether you can assign salary to the bank and I’ll pull current offers and calculate installments.