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Immediate Online Loan

Immediate Personal Loans from Qbera
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%.

Immediate Online Loan

How do you get an instant personal loan online?

If you're looking for an online personal loan that you can get almost immediately, Qbera has one for you if your minimum income is Rs. 20,000 and you are at least 23 years old. You can complete your application form within 5 minutes and get instant loan approval! Once you receive final approval on the very same day, you can receive your loan amount within 24 hours! 

Besides getting your loan in super-quick time, there are a bunch of other impressive advantages that you can enjoy. Let's take a look. 

Benefits of taking an Online Personal Loan from Qbera

Instant loan approval: As already mentioned earlier, with Qbera, you can get instant approval on your personal loan. When you apply, your credit report is obtained from the bureau, after which your information is analyzed by Qbera's proprietary risk-based algorithm. If your profile meets the Qbera's credit policy, you will receive instant loan approval. This happens within a few minutes after you feed in your KYC details. 

Online submission of documents: Once you fill out your details in the application form available on the Qbera website, the next step requires you to submit your documents online. Your payslips for the last 3 months and bank statements can be uploaded online. Note that you can directly submit your bank statements by logging in to a secure web interface through your internet banking credentials. 

Digital document approval: The process of taking out an online personal loan from Qbera involves minimal documentation - your salary slips and bank statements are verified digitally. An executive will come and visit you to verify your address, after which you will receive a final loan offer on the very same day. 

Customer support: You can get in touch with Qbera's support representatives through telephone, email or Whatsapp -on both weekends and weekdays. Our staff are available to help address any concerns or queries that you might have. 

Loans for individuals staying in shared accommodations and those employed with unlisted companies: Qbera offers instant personal loans to individuals residing in shared accommodations and those employed with unlisted companies. 

Credit score and income: The minimum income to become eligible for a personal loan from Qbera is Rs. 20,000 per month. As for the credit score, applicants with a minimum credit score of 600 can qualify for an instant loan from Qbera. 

Documents required to apply for an immediate online loan from Qbera

  • Proof of address documents - Aadhaar, electricity bill, telephone bill etc. 
  • Proof of identity - PAN Card, Passport, Driver's License. 
  • Cheque leaves from your salary account
  • Photographs

Note: Aadhaar and PAN Cards are mandatory. 

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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