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🏠 Home Loan? Personal Loan? Business Loan? Vehicle Loan? Education Loan? Agricultural Loan? Mortgage Loan? Margin Loan? Working Capital Loan? Term Loan? Hire Purchase Loan
Business Loans Specialist
Bikram Karki, Business Finance Consultant — free, no pressure, no obligation to apply.
Walked 180+ people through choices like this oneTop Picks
Weighted on rate (50%), fee (25%) and approval speed (25%) — not just whichever column the list below is sorted by.
Know Before You Compare
What actually moves your interest rate
The rate a bank advertises is a range, not a promise — where you land in it comes down to a few concrete factors.
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Credit history & CIB recordA clean repayment history is the single biggest lever on your final rate.
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Income & employment typeSalaried, self-employed and business income are assessed differently by every bank.
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Loan tenureShorter tenures usually carry lower rates but higher monthly EMIs — it's a real trade-off.
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Collateral & down paymentMore security or a bigger down payment gives the bank less risk to price in.
Before you apply
Common questions from people comparing loans in Nepal.
What documents do I need to apply for a loan?
Typically your citizenship/ID, income proof (salary slip or business registration), bank statements, and passport-size photos. Some loan types require additional collateral documents.
How long does loan approval take in Nepal?
Most Nepali banks approve straightforward applications in 3–14 business days, depending on the loan type and how quickly you provide documentation.
Can I prepay or foreclose my loan early?
Yes, most banks allow prepayment. Some apply a small prepayment charge in the first few years — check the specific product’s terms before applying.
Will checking my eligibility affect my credit score?
No. Using LoanBazaar’s eligibility checker is a soft check and does not affect your credit score or CIB record.
Can I apply for a loan from more than one bank at a time?
Yes, you’re free to compare and apply to multiple banks — that’s exactly what LoanBazaar helps you do before committing to one.
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