Smart FoneLoan
Smart FoneLoan is the smarter, faster way to borrow!
It’s a fully digital loan service that lets you get small, short-term loans instantly — right from your Laxmi Sunrise Mobile Money app.
With no paperwork, no collaterals, no waiting, and no hassle, eligible customers can access pre-approved loans in just a few taps. Whether it’s an emergency or a wishful need, Smart FoneLoan is your quick and easy financial backup — anytime, anywhere…
Why should you choose Laxmi Sunrise?
Contactless Digital Lending
Collateral-Free Loan
Pre-Approved Loan
Financing Terms & Conditions
- Max loan amount: NPR 5 Lakhs
- Permissible Loan Amount Determinants
- Average Monthly Salary or Regular Deposits in Account
- Monthly Balance with Continuity and Utilization
- Status of existing Loans & History of previous Loans in Bank
Eligibility Criteria
- Must have a savings account maintained in the bank with regular transactions.
- Must be a registered user of Laxmi Sunrise Mobile Money
- Amount of loan is determined automatically by Decision Analytics Software based on the account and transaction history of the customer
- You will be able to know if you are eligible for the Smart FoneLoan in the app itself.
If you are eligible, you can apply via the Mobile Money app. To know more about Smart Foneloan, Click here.
Borrowing Power Calculator
Find out how much can you borrow with your current income.
Apply for a Loan
Please fill up the form below to apply for a loan.