Qbera Open Nav
Simple . Fast . Secure

Medical Loans in Delhi

Qbera Instant Medical Loans
Apply now!
Choose your employment status to find the Qbera Loan that’s best for you!
I am Salaried (I currently work for a Private Ltd, Public Ltd, Govt., LLP)
I am Salaried (I currently work for a Proprietorship, Partnership Firm)
I am Self Employed (I have my own business)
I am Currently Not Employed
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Medical Loans in Delhi

Healthcare today is expensive. Majority of people are either unaware of health insurance policies that protects them from all the medical contingencies in life financially or seldom bother to buy one. Medical loans can be used to take care of any medical expense while the cover offered by health insurance is limited. It is at times like these when medical personal loans come to the rescue. Such loans aim to help people face and survive unforeseen medical expenses including hospitalization bills, medical prescription bills, surgeries such as angioplasty, bypass surgery, chemotherapy, and others similar treatments. Yes, as they say, death is the only certainty in life. However, loss of life just because one didn’t have enough money is heartbreaking. It is not something people can easily forgive themselves or move on from. 

Though health insurance is a more popular and money-saving option than a medical loan, people are not farsighted enough to procure one or keep putting it off. Some even disregard health insuarance totally thinking it a waste of money. In any case, health insurance policies come with lot of conditions and are not helpful in all situations. Many illnesses are not covered and after a certain age, it becomes increasingly difficult to find one that covers all. Personal medical loans do have certain advantages - being unsecured there is no need for any collateral or deposit. A personal medical loan ensures that you get quality medical care with no delay. Many people are unaware of alternative lenders that offer healthcare and medical emergency loans. 


Delhi boasts of an admirable and comprehensive healthcare system, which many states strive to follow. But being a cosmopolitan city, some of the medical procedures in the city do tend to get rather expensive at times. As mentioned above, health insurance schemes and medical loans have managed to bridge this gap, but it is not easy for all and sundry to avail loans from listed banks due to their stringent eligibility criteria. 

Fintech firms and online loan providers are the only hope for those people who fall outside the banks’ benchmarks. We at Qbera understand this and are here to help by making it very easy & fast to access funds through our online medical loans. 


  • Application-in-minutes
    You only need to spare a few minutes to fill the online form and upload necessary documents. Qbera is quick, user-friendly, and headache-free.
  • We are with you at every step
    You can apply for a loan and simultaneously chat with a Qbera personal loan expert to know where you stand and clarify all your doubts regarding our loan products.
  • Money deposited directly in your bank account
    Most traditional medical loan lenders credit money directly to the concerned hospital, which can be a tad inconvenient at times. But a Qbera loan gets credited to your account in one day


  • Extended Medical Treatments
    Extended medical treatments like Chemotherapy, dialysis etc. often require a constant cash flow to take care of the hospital bills and medications.
  • Dental treatments
    Dental treatments like root canals, braces, teeth reconstruction are shockingly expensive and not something you can simply ignore due to a financial crunch. As they say, there is nothing worse than an unattended toothache.
  • Cosmetic surgeries
    Cosmetic surgeries were something that used to be done by celebrities and accident/burn victims. But now many ‘regular people’ are opting to go under the knife to get a lip job or nose job done. Liposuction, Botox, breast implants, breast reductions and jawline corrections are some expensive elective treatments that many people feel the need to do today.
  • Medical Treatments Abroad
    If you are going for abroad for medical treatment, it is advisable to opt for a personal loan. You can use it to cover medical expenses not covered in your insurance plan. Qbera offers tailored personal loans for these purposes.
  • IVF treatment
    IVF treatment is not covered any health insurance scheme and can cost 2 lacs and above. Qbera loan can be your perfect option if you are worried about finances. We ask no questions and see to it that you get your money by the next working day.


Get it done the Qbera way in 5 steps:

  • Just log on to Qbera.com and fill in the application form (It just takes 5 minutes)
  • Upload your bank statement on the website
  • Qbera gives you an offer within 4 hours
  • Our representative will come and collect the documents
  • Money transferred to your account in less than 24 hours

Life is an amazing journey and all of us have the right to good health and happiness. Putting a price tag on life seems cruel and unfair; sadly that’s how the world works. Hence, it is strongly recommended that you buy a good health insurance policy and in case something untoward happens which is not covered under the policy or comes under ‘pre-existing’ conditions, then you have the likes of Qbera loans to fall back on.

Qbera may be able to help when you need it the most. Apply now for a smart hassle-free loan in Delhi.

1. What is the tenure of a personal loan from Qbera?

The loan tenure at Qbera is a flexible one and it ranges from 1 to 5 years (12 to 60 months).

2. What is an EMI?

It is the fixed amount that a borrower pays to the lender on a particular date every month. An EMI includes the principal and interest charged on a loan.

3. What is the minimum and maximum loan amount that I can get from Qbera?

The loan amount ranges between Rs. 25,000 to Rs. 10 Lacs.

4. What is unique about Qbera?

Our technology and lending partnership allow us to offer a world-class experience to our borrowers:

  • Paperless application
  • Instant lending decision
  • Digital verification of income, employment and residence
  • Disbursement of loan within 24-48 hours

Our CIBIL score cut-off is 625 and we can give loans to employees of more than 9 lac companies in India. Now you don’t have to get rejected by banks just because they have not analyzed and categorized your employer.

5. What should be my age to apply for a loan with Qbera?

You must be at least 23 years old to apply for a loan.

6. What should be my minimum salary to get a loan?

Your net monthly income must be Rs. 20,000 or more.

7. What should be my CIBIL score cut-off for a personal loan?

Our CIBIL score cut-off is 625 (V2 score).

8. What is the rate of interest charged on a personal loan?

Rate of interest depends on a borrower’s income, CIBIL score, employer, age etc. Qbera collects information from your application form and various other data sources to create a personalized loan offer for you. Our interest rates start at 11.99%.

9. What is the eligibility criteria to get a loan from Qbera?

To get a loan from Qbera, a borrower should meet the following eligibility criteria:

  • Must be a salaried employee.
  • Age must be between 23-55 years.
  • Net monthly income must be Rs. 20,000 or more.
  • No defaults in the last 24 months.
  • You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai or Hyderabad.

10. How do I apply for a loan online?

To apply for a loan online, click here. For queries, please Whatsapp us on +91 89719 28484.

11. What are the documents required to get a loan from Qbera?

The following documents would be required after your loan is digitally approved:

  • Aadhar Card
  • PAN Card
  • 4 cheques from your salary account
  • Current address proof
  • Permanent address proof (in case the permanent address is different from the address on Aadhar card)
  • Passport size photo

12. What is the processing fee charged on a personal loan by Qbera?

The processing fee ranges between 2% - 4%.

13. How can I repay my loan?

Qbera provides easy repayment of its smart loans through automatic debit of EMIs via NACH mandate.

14. Why was my loan application rejected at Qbera?

Although we have one of the best approval rates in the industry, we may have to reject some applications if they do not meet our basic qualification criteria. You can re-apply after 3 months in case you think that your credit profile has improved.

15. Can I re-apply for a loan?

Qbera requires you to wait for at least 3 months before re-applying for a personal loan.

16. How much time does Qbera take to process a loan application?

It will not take more than 10 minutes to fill up your online application form. Our technology allows us to disburse the approved loan amount within 24-48 hours.

17. Is part/prepayment allowed on my personal loan?

We do not allow part-payments. However, you can prepay your loan after completing 1 year of repayment. (Foreclosure charges: 5% + GST applicable).

18. Do I need to submit any collateral to get a personal loan from Qbera?

All personal loans offered by Qbera are unsecured. Hence, you need not submit any assets or property to secure a loan.

Interest Rate & Other Charges

Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.
  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.
  • Aadhaar Card
  • PAN Card
  • Current Address Proof


"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."



"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...



"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."



"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"



"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"



"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Are you ready to get your Qbera Smart Loan?
Apply Now


Powered by InCred

We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
Contact our support team via WhatsApp by clicking below:

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

© 2021 Qbera | All Rights Reserved