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Instant Online Loan

Apply for Instant Personal Loans Online
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%.

Instant Online Loan

How to get an instant online loan in India?

If you're looking for immediate cash loans disbursed to your bank account within 24 hours, approaching a Fintech lender is your best solution. Instant loans do not require any collateral to be submitted. When you apply, you will receive instant loan approval, after which you will be required to submit your supporting documents online. Once your documents are verified, you can receive the loan amount the very same day! 

Eligibility for instant online loans in India

23 years – 55 years
Minimum income
Rs. 20,000 per month
Credit Score
No defaults in the last 12 months

Documents required for Instant Loans

  • Aadhaar Card
  • PAN Card
  • Cheque leaves from your salary account
  • Passport Sized Photographs

Advantages of choosing Qbera for Instant Online Personal Loans in India

The following are some noteworthy advantages of choosing Qbera for your instant financial needs:

Instant Loan Approval and digital verification on the same day: When you apply for personal finance from Qbera, you will receive instant loan approval if your credit profile is in line with Qbera's internal credit norms. Qbera has very lenient eligibility parameters when compared to traditional lending institutions like private banks. 

Credit options for employees of unlisted companies: If you are an employee of an unlisted company, you can still be eligible for an instant online loan from Qbera - your application will not be rejected on this ground. Note that private banks prefer offering loans only to individuals employed with listed or categorized companies and usually reject applications of individuals who are employed with companies that aren't listed in their database. 

Staying in a shared accommodation will not disqualify you: Even if you are staying in a shared flat or a paying guest accommodation, your application will not face rejection merely on this parameter. Again, while private banks strictly evaluate the type of residence while processing loan application, fear not if you're staying in a shared accommodation - Qbera has a loan for you.

Some points to note to keep your credit score high to get easily approved for instant online loans

Make regular monthly payments

Try and avoid making late payments as late payments can hurt your credit score. A few late payments are fine, but paying too late can negatively impact your score. EMI bounces as such (in case your auto-debit feature is active), can be particularly damaging. 

Avoid defaults at any cost

Defaults have a more severe impact on your credit score - one instance of default can bring down your score by 50 points and lenders will almost certainly reject applications with instances of defaults. 

Applying with multiple lenders is a strict no

Don't apply for credit with too many lenders at once, as this reflects credit-hungry behavior and has the potential to damage your credit score. Moreover, applying with too many lenders at once can increase the incidence of rejection from lenders, and rejections by themselves will bring your credit score down. 

Keeping these aspects will mind will maintain a good credit score and improve your approval chances for larger loans. 

View a complete list of our FAQs at our help center

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


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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

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