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Personal Loans Aug 1, 2026: Navigating Nepal's Top Personal Loan Options: August Insights

Explore personal loans with rates starting at 5.95%, including options with no collateral and flexible terms. Find the best fit for your financial needs.

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Nepal Bank Personal Term Loan
Personal

Representative APR 7.17–8.17%

Amount Rs100k–Rs1.5M

Best for: Best suited for Nepalese citizens with a steady income seeking manageable loan terms.

Nepalese citizen · Salaried or professional income

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Himalayan Bank Personal Loan
Personal

Representative APR 5.95–9.45%

Best for: This loan is ideal for Nepalese citizens looking for lower rates and longer repayment terms.

Nepalese citizen · Collateral/security required (property mortgage) · Salaried or professional income

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Sanima Bank Personal Loan
Personal

Representative APR 6.55–8.55%

Amount Up to Rs7.5M

Best for: This loan is ideal for Nepalese citizens with a stable income looking for significant funding for personal needs.

Nepalese citizen · Salaried or professional income · Citizenship certificate

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Global IME Bank Personal Loan
Personal

Representative APR 7.39–9.87%

Amount Rs100k–Rs1.5M

Best for: It's best for salaried individuals looking for a reliable personal loan option in Nepal.

Nepalese citizen · Salaried or professional income

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NIC ASIA Bank Personal Loan
Personal

Representative APR 6.42–8.49%

Amount Rs100k–Rs1.5M

Best for: It's ideal for salaried employees and pensioners who need financial flexibility and prefer fixed interest rates.

Nepalese resident · Salaried income, pensioner, or professional · Age 23 minimum

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