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Instant Personal Loan Online

Get Instant Online Personal Loans within 24 hours

Your CIBIL score must be more than 600 for you to be eligible.

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 Personal Loan Online

If you want to get an instant personal loan online, Qbera definitely has one for you at the lowest interest rates possible. The interest rates on loans from Qbera start from 11.99% p.a. and go up to about 24% p.a.

Why Pick Qbera for Instant Personal Loans Online?

If you're thinking of the ideal lender to choose for your instant loan online, there are some noteworthy reasons why you should pick Qbera for your instant credit needs. Here is why:

Online Loan Application Process.
Loans for CIBIL scores as low as 600.
Loans for low income levels starting from Rs. 20,000 per month.
Personal finance for individuals living in shared accommodations.
Instant credit for individuals employed in unlisted companies.

Eligibility for Instant Personal Loans Online from Qbera

You should be at least 23 years old and not more than 55 years old.
Your credit score should be at least 600.
There should be no EMI bounces over the last 3 months.
Your credit profile shouldn't contact instances of defaults over the last 12 months.
You should be employed with your current company for a minimum period of 3 months - bank statements and salary slips for the last 3 months have to be submitted.

FAQs

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

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.

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.

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:

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
EMI of ₹7091 per month
Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
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.

Eligibility Criteria

Age: 21-57 years old
Net Monthly Income must be more than Rs. 18,000.
No defaults in the last 24 months.

Documents Required after Digital Approval

Aadhaar 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 Aadhaar card)

What people are saying

Pradeep

"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."

Shekhar

"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...

Syed

"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."

Anish

"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"

Arun

"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"

Bhaskar

"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"

Featured in

News

Aadhaar linking deadline for Insurance Policies extended

27-Mar-2018

Following a Supreme Court Order dated 13th March, 2018, Insurance regulator IRDAI extended the deadline for linking the 12-digit unique identity number with various insurance policies.

SBI, ICICI and PNB hike lending rates: Personal loans to cost more

05-Mar-2018

A day after SBI hiked deposit rates across maturities, the largest lender of India also raised MCLR by up to 25 basis points. MCLR is now at 8.15 percent which was earlier at 7.95 percent. This signals a possible increase in the EMIs of all types of loans – starting from personal loans to home, auto and other loans. ICICI Bank and Punjab National Bank (PNB) also hiked their MCLR by 15 bps. PNB home loans will now be at 8.6% and for women it will be 8.55%.

Are you ready to get your Qbera Smart Loan?

Select your employment type to proceed.

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QBERA

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: [email protected]
Phone: 1800 4198 121
Whatsapp:+91 95135 55475
Address:
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052