January 16, 2025

Loan in Nepal: A Beginner’s Guide to Picking the Right One

Loan in nepal

If you are planning to take a loan in Nepal, it is normal to be confused, especially if it’s your first time. With various loan options and financial institutions available, it is important to know which is the best option for you. This blog post is a simple guide to picking the right loan option.

Table Of Contents:

Loan in Nepal: A Beginner’s Guide to Picking the Right One
Two Wheelers Loan in Nepal
Three Wheelers Loan in Nepal
Four Wheelers Loan in Nepal
Consumer Electronics and Furniture Loans in Nepal
Laptop Loan in Nepal
How To Apply For Loan?
Conclusion
FAQs

Loan in Nepal: A Beginner’s Guide to Picking the Right One

Hulas Finserv, the best financial service provider in Nepal provides numerous options for a loan. We have different EMI plans to make your dream of getting a product easier and more affordable. Our options for a loan are as follows:

Two Wheelers Loan in Nepal

Two Wheelers Loan Details

Loan Amount: Up to 70% of the total product cost

Tenure: 6 – 36 Months

Interest rate: 0% – 14%

The exact rate for New Two Wheelers

Loan AmountInterest RateTenure
For Bajaj
30% of the total product cost
40% of the total product cost
50% of the total product cost


13.99%
11.99%
9.99%


24 months
36 months
36 months
For KTM 
50% of the total product cost
50% of the total product cost


11.99%
12.99%


18 months
36 months
For Triumph 
50% of the total product cost


9.99%


36 months

The exact rate for Reconditioned Two Wheelers

Loan AmountInterest RateTenure
50% of the total product cost14%18 months

Three Wheelers Loan in Nepal

Three Wheelers Loan Details

Loan Amount: Up to 70% of the total product cost

Tenure: 24 Months

Interest rate: 0% – 14%

The exact rate for New Three Wheelers

Loan AmountInterest RateTenure
40% of the total product cost14%30 months
50% of the total product cost0%24 months

The exact rate for Reconditioned Three Wheelers

Loan AmountInterest RateTenure
50% of the total product cost (With a maximum loan amount of Rs. 1,20,000)0%24 months

Four Wheelers Loan in Nepal

Four Wheelers Loan Details

Loan Amount: Up to 60% of the total product cost

Tenure: Up To 60 Months

Interest rate: 13%

The exact rate for New Four Wheelers

Loan AmountInterest RateTenure
40% of the total product cost14%60 months
50% of the total product cost13%60 months

The exact rate for Reconditioned Four Wheelers

Loan AmountInterest RateTenure
Maximum 60% of the total product cost13%60 months

Consumer Electronics and Furniture Loans in Nepal 

Consumer Electronics Loan Details

Loan Amount: Up to 70% of the total product cost

Tenure: 6-12 Months

Interest rate: 0%

The exact rate for Consumer Electronics

Loan AmountInterest RateTenure
70% of the total product cost0%12 months

The exact rate for Smartphones and Gadgets

Loan AmountInterest RateTenure
60% of the total product cost0%3 – 12 months

Furniture Loan Details

Loan Amount: Up to 50% of the total product cost

Tenure: 6-12 Months

Interest rate: 0%

The exact rate for New Furniture

Loan AmountInterest RateTenure
50% of the total product cost0%6-12 months

Laptop Loan in Nepal 

Laptops Loan Details

Loan Amount: 60% of the total product cost

Tenure: 3-12 Months

Interest rate: 0%

The exact rate for New Laptops

Loan AmountInterest RateTenure
60% of the total product cost0%3-12 months

Note: The rate can fluctuate from time to time so it’s better to visit the website once to confirm the recent rate. 

How To Apply For Loan?

Applying for a loan with Hulas Finserv is just a few clicks away. Simply visit our website, click on the specific section you wish to apply for a loan, and check your eligibility. We streamline the process by only requiring your citizenship during the document submission stage. Once you meet the eligibility criteria, submit your application, and we’ll approve it quickly. Alternatively, you can download the HFL App, log in or create an account, fill out a KYC form, and apply for loans.

Conclusion

Picking the right loan is made easy with Hulas Finserv. Whether you’re looking for a loan for a two-wheeler, three-wheeler, four-wheeler, electronics, or more, we offer flexible options tailored to your needs. With easy application steps and competitive interest rates, we are here to help you turn your dreams into reality. Visit our website today to explore our loan options and take the first step toward achieving your financial goals.

FAQs

Which is the best financial institution in Nepal to take a loan?

Hulas Finserv is one of the best financial institutions in Nepal to take a loan.

What are loan options available at Hulas Finserv?

Hulas Finserv provides loans for two-wheelers, three-wheelers, four-wheelers, consumer electronics, furniture, and laptops.

Can I apply for a loan with a reconditioned product?

Yes, we offer loans for reconditioned two-wheelers, three-wheelers, and four-wheelers too.