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Personal Loans Jun 6, 2026: Best Personal Loans for First-Time Borrowers in Nepal

Navigating personal loans as a first-time borrower in Nepal can be daunting. Let's cut through the noise and focus on the top three options that cater to newcomers seeking manageable terms and reasonable rates.

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Nepal Bank Personal Term Loan
Personal

7.17–8.17% APR $100k–$1.5M 12–120 mo ⚡ Standard processing

Nepalese citizen · Salaried or professional income

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Himalayan Bank Personal Loan
Personal

5.95–9.45% APR ⚡ Standard processing

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

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Sanima Bank Personal Loan
Personal

6.55–8.55% APR ≤$7.5M ⚡ Standard processing

Nepalese citizen · Salaried or professional income · Citizenship certificate

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Global IME Bank Personal Loan
Personal

7.39–9.87% APR $100k–$1.5M 12–60 mo ⚡ Standard processing

Nepalese citizen · Salaried or professional income

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NIC ASIA Bank Personal Loan
Personal

6.42–8.49% APR $100k–$1.5M 12–84 mo ⚡ Standard processing, quick documentation

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

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