Monthly repayments
Loan must be repaid every month as per the calculated interest you have been charged. Payment in installment will help you to clear your due amount .
Our Pay day loan service
How does it work?
01. APPLY
Apply for the loan online from the form below or from the e-dheba app. Then, leave the rest to us.
02. VERIFY
Once you apply our Kathmandu based team processes loan applications during weekday hours and assesses your request against our responsible lending criteria.
03. GET FUNDS
Once the verification process is complete, we will send you a loan agreement via email following a comprehensive credit check and approval.
Once you’ve agreed to our lending terms and the loan has been processed, the funds will be deposited directly into your bank account, often within minutes.
04. Repayment
You don't need to worry about missing the payment due date and having to pay penalty fees, since you will be providing post-dated cheques.
WHY CHOOSE US
APPLY ANY TIME
Our online application takes less than five minutes to complete and can be applied from this website or via the e-dheba SuperApp. If approved, money could be in your account in as little as one week.
CLEAR TERMS & CONDITION
No surprises at the end. All the details are clearly spelled out with the loan offer letter.
SAFETY
Apply for and manage your loan on our secure site. We use 128-bit SSL protection and strict, high levels of security & encryption standards to keep your information safe.
DIRECT LENDER
We are providing short term loans, which are different to payday loans – they’re more easily manageable, and you have longer to pay them back.
NO CREDIT NEEDED
Our recommendations for the best bad-credit personal loans have flexible eligibility requirements and relatively low rates for the credit band.
HOW DO YOU QUALIFY FOR OUR PAYDAY LOAN SERVICE
Be over 18 years of age
Anyone in Nepal can apply for this Payday Loan as long as you are 18 years or above and prove to us that you can repay the loan in due time.
Regular salaried income
We will ask for your proof of employment and income to confirm that you have been receiving a stable income in the past and will continue to do so in the future.
POST dated CheQUE
We will ask you to sign a post-dated cheque of the borrowed amount to ensure that you don't need to remember when the repayment date is. This cheque acts as an automatic payment method making it easy for both parties.
Security
Post-dated checks as guarantees
This is the guarantee that is kept with us until your loan is repaid. If incase you are not able to pay your due amount we will withdraw your check.
Agreements
Here you need to sign the terms and condition saying that you have agreed to take loan within our conditions.
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We are innovators
eDheba SuperApp has these various services
Savings & Credit
Services thru its sister concern Imperial Savings and Credit Cooperative Ltd and from its partner organization Citizen Bank International Ltd, earn interest on savings accounts, get online credit facilities for buying products in EMI, and getting micro loans including insurance services.
Remittance
Users will be able to send remittances currently from all the countries in European Union thru its sister concern Lalit Money Transfer P Ltd.
Payments
Having merged with iPay Pvt Ltd, we are now able to offer payment services for mobile, internet, telephone, television, electricity, school, airlines, water, bus services, etc.
Super Services
In the SuperApp services, edheba provides taxi, two wheeler ride sharing, food order from restaurants, groceries and 50+ other services like plumber, carpenter, mason, electrician, home tutor, etc.
Infotainment
Movies (Hindi, English, Nepali, Korean, other languages) Tele Serials, Documentaries, Live TV Channels, all available for free in our Infotainment services.
Kin-Bech
You can buy used or new products and also put your used or new products for sale.
This is all you need
for all of your needs
e-dheba is a digital financial service that provides interest on all the money you have in your account and provides seven major services: Savings and credit, remittance, payments (e.g.: to utility bills, mobile top up etc.), SuperServices (e.g.: food, groceries, medicine orders), Infotainment (e.g: free movies and magazine), Loyalty Bank and Kin-Bech (connecting sellers and buyers).
