Do I need to do down payment while buying laptop through EMI in Nepal?

Yes, usually 20–40% upfront depending on the store and brand.

Which documents are required for taking EMI on laptops?

You will require Nepali citizenship, proof of income, or specific bank cards for some brands.

How long is the EMI tenure for laptops in Nepal?

EMI periods range from 3 months up to 24 months depending on the brand and store.

Can I buy laptop on EMI in Nepal without a credit card?

Some stores allow debit cards or direct EMI, but certain plans need specific bank cards.

Which stores offer 0% EMI on laptops in Nepal?

NeoStore, Nagmani, Mercantile, Evo, and other authorized distributors depending on the laptop brand.

What is 0% EMI in laptops?

It’s a payment plan where you split the laptop cost into monthly installment without paying extra interest.

Laptops EMI in Nepal (2026): How to Buy Laptops on 0% Installments

Looking to buy a laptops on 0% EMI in Nepal? Learn how EMI works, the required documents, down payment details, and brand-wise EMI schemes.

By | Senior Editor

Senior Editor

Published Feb 19, 2026

Thinking that buying a laptop takes years of saving? Think again. Many authorized stores in Nepal now offer 0% EMI plans, letting you pay in easy monthly installment without any extra interest. To help you get started, here’s a complete guide on buying laptops with 0% EMI, starting with a quick introduction to how EMI works.

Laptops EMI in Nepal: Overview

What exactly is 0% EMI?

Equated Monthly Instalment, or EMI, means a fixed payment posed by the seller to be paid each month, just like a loan for a specific product. Moreover, 0% EMI, also known as no-cost EMI, means the loan won’t have additional interest costs. Hence, it is just like dividing the total cost of the product by the number of months.

However, there will be an initial payment (down payment) to be paid, usually 20 to 40%.

Example:

Laptop price: NPR 100,000
Down payment: 40% → NPR 40,000 upfront
EMI tenure: 12 months → NPR 5,000 per month
Total cost: NPR 100,000, but paid gradually instead of all at once.

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EMI Guide for Laptops

Asus and Lenovo

Nagmani International has you covered for both Asus and Lenovo products. They are the official authorised distributors for ASUS and Lenovo laptops in Nepal.

You will need a citizenship and an income statement to prove you can pay the amount throughout the period. They require a 30% down payment, while the rest can be paid through EMI. The EMI tenure ranges from 6 months, 6 months to 9 months.

Feature	Details
Distributor	Nagmani International
Down Payment	30%
Available on	All Asus Laptops Only Business Series and Gaming Series for Lenovo Laptops
Finance Partner	Jagadamba Hire Purchase
EMI Tenure	6–9 Months
Required Documents	Nepali citizenship, proof of income

Dell

NeoStore, the authorised distributor of Dell laptops, has also rolled out their 0% EMI scheme. They also require you to submit ID, address, and income proof. After the documents are approved, you pay the 40% down payment and the remaining amount on EMI within a 3 to 12-month tenure. They also provide a 2-year warranty and 1-year insurance on the laptop.

Feature	Details
Distributor	NeoStore
Down Payment	40%
Finance Partner	Hulas FinServ
EMI Tenure	3–12 Months
Required Documents	Citizenship, proof of income

Acer

As for Acer, Mercantile teased about their 0% EMI scheme a while ago. The first device that can be bought at 0% EMI is the Acer Aspire Lite (i3), which was released just back in September. They are also asking for a 20% down payment compared to others' 40%, along with proof of citizenship card use.

Feature	Details
Distributor	Mercantile
Down Payment	20%
Finance Partner	Jagadamba Hire Purchase
EMI Tenure	6 Months
Required Documents	Citizenship

Apple

Last but not least, for MacBooks and iMacs, Evo Store/ Oliz Store, one of Apple's authorised retail stores, has its own EMI plans. The EMI tenure for this Ultrabook ranges from 18 to 24 months. They offer EMI through banks like Nabil, Mega, NIC Asia, and Machhapuchhre. And they don't require you to pay a specific down payment. Unfortunately, you get 0% EMI through Global and Nabil bank cards only. For the rest, the EMI interest ranges from 8 to 12 percent.

Feature	Details
Distributor	Evo Store/ Oliz Store/Gen Nxt
Down Payment	None (depends on bank card)
Finance Partner	Jagadamba Hire Purchase
EMI Tenure	18–24 Months
Required Documents	Global/Nabil bank credit card for 0% EMI

0% EMI on Laptos in Nepal

Brand	Store / Distributor	Down Payment	EMI Tenure	Requirements	Notes
Asus	NeoStore / Nagmani	30%	6–12 months	Citizenship + income proof	0% interest
Lenovo	Nagmani	40%	6–12 months	Citizenship + income proof	0% interest
Dell	NeoStore	40%	3–12 months	Citizenship + income proof	0% interest
Acer	Mercantile	20%	6–12 months	Citizenship + income proof	0% interest
Apple	Evo	Optional	18–24 months	Bank Credit card (Global/Nabil), or other cards	0 to 12% interest

Pros and Cons of 0% EMI

After all the things I shared about EMI, you might be wondering if it is worth it. Therefore, I will discuss its pros and cons. And yes, it is not always positive. The table below will describe both of its pros and cons.

Pros	Cons
Buy laptops without interest	Some plans require a 20–40% down payment
Quick approval and process	Hidden terms or conditions are possible
Flexible tenure options	Late payments may incur penalties
No credit card required for many plans	Some schemes need a credit card, with complicated cancellation rules

0% EMI on Laptops in Nepal: Conclusion

So, should you go for a 0% EMI laptop scheme? Absolutely—especially if you’ve been saving up, as it lets you get your laptop sooner without paying extra interest. Just be mindful of possible late payment fees or hidden terms in the plan. At the end of the day, it’s entirely your choice whether to take advantage of this convenient option.