Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
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Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
- Fast scan
- Top options summarized in one view
- Clear terms
- Rates, fees, or fit signals are easy to spot
- No fluff
- Straight to the shortlist before deeper research
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Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
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- Rate
- 6.8–8.8%
- Amount
- Rs100k–Rs1.5M
- Timing
- Standard processing, 2-3 working days
Non-collateral personal loan from NIC ASIA Bank with fixed interest at 8.49% and up to NPR 15 lakh for salaried employees and pensioners.
- Nepalese resident
- Salaried income, pensioner, or professional
- Age 23 minimum
- Rate
- 6.17–8.17%
- Amount
- Rs100k–Rs1.5M
- Timing
- Standard processing
Personal loan from Global IME Bank, Nepal's largest private-sector bank by network reach, with competitive floating rates from base rate plus premium.
- Nepalese citizen
- Salaried or professional income
- Rate
- 5.99–7.99%
- Amount
- Rs100k–Rs1.5M
- Timing
- Quick disbursal with minimal documentation
Non-collateral personal loan from Nabil Bank for salaried professionals, up to NPR 15 lakh with competitive floating rates and up to 7 years repayment.
- Nepalese citizen
- Salaried individual
- Citizenship certificate
- Rate
- 5.95–9.45%
- Amount
- Rs100k–Rs5M
- Timing
- Standard processing, collateral evaluation required
Secured personal loan from Himalayan Bank with both floating and fixed-rate options. Premier customers get rates from 5.95%, standard customers from 7.95%. Fixed rate available at 8.00% for up to 7 years.
- Nepalese citizen
- Collateral/security required (property mortgage)
- Salaried or professional income
- Rate
- 5.99–7.99%
- Amount
- Rs100k–Rs1.5M
- Timing
- Standard processing
Personal loan from Laxmi Sunrise Bank with floating rates from 5.99% p.a. and optional fixed-rate terms up to 15 years.
- Nepalese citizen
- Salaried or professional income
- Citizenship certificate
- Rate
- 6.95–7.95%
- Amount
- Rs100k–Rs1.5M
- Timing
- Standard processing, government bank pace
Personal term loan from Nepal Bank Limited, one of the oldest government-owned banks with competitive base-rate-linked pricing from BR+2.50% (approx. 7.17% p.a.).
- Nepalese citizen
- Salaried or professional income
- Rate
- 6.55–8.55%
- Amount
- Rs100k–Rs7.5M
- Timing
- Standard processing, documentation required
Personal loan and overdraft from Sanima Bank Nepal with up to NPR 7.5 million financing, 1% service charge, and competitive rates from 6.55%.
- Nepalese citizen
- Salaried or professional income
- Citizenship certificate
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