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Online Paperless Loan

Online Personal Loans at 11.99% p.a. 
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%.

Online Paperless Loan

It is said that the small joys of life are what contribute to the overall sense of happiness for an individual. Being able to afford small luxuries like being able to buy the latest gadget, going on that long-awaited holiday, renovating and upgrading your home, or buying your own vehicle can have a profound impact on the overall happiness quotient. But many a time, the paycheck alone is not able to help you get these and during those times, online paperless loans can be your best bet.

What are online paperless loans?

These types of loans are instant loans that are given out by financial institutions like banks and Fintech companies. True to their name, these instant online loans are instantly processed and disbursed, for example, the one from Qbera is credited to your bank account within 48 hours of successful document verification. These loans are unsecured and so there is no requirement for any kind of collateral.

Features of Qbera instant online loans

  • Digital experience as the entire process is completely digitized from application submission to amount disbursal.
  • Quick turnaround period of 24-48 hours after document verification is another highlight of Qbera instant online loans.
  • Applications from individuals in the low-income group that is usually not preferred by banks are contemplated.
  • Individuals staying in shared accommodation and persons with marginally low CIBIL score are also considered.

Eligibility conditions for an Instant online loan

  • The applicant must be salaried-
  • These loans are given to salaried individuals without any collateral being pledged. So, the employment tenure and the income to loan ratio is thoroughly checked.
  • The applicant must have a net salary of Rs 18 000-
  • To ensure timely repayment of loan a minimum salary of Rs 18,000 is considered. Banks usually do not fund personal loans for individuals in the low-income group. This is where Qbera instant online loan is coming to the help.
  • The applicant should be in age group of 23-55 years
  • Applicants in this age group are better equipped to make proper use of the long tenure provided. Qbera, for example, offers you a repayment tenure that spans from 6 months to 60 months.
  • The applicant must have a CIBIL score of 600
  • Banks and NBFC s consider a score of 750 and above while giving out loans. There are numerous factors that affect this score and so fintech companies place more importance on their advanced algorithms that use social and economic leanings and so gives an extra leverage to its customers by considering marginally lower scores as well.

How to apply for a personal loan?

  • Fill out the personal and employment details on the online application form available at www.qbera.com
  • Submit the bank statement that reflects salary credit and other supporting documents online.
  • Qbera sends a personalized loan quote
  • After receiving the email acceptance of the quote and the submission of some physical documents that undergo another round of verification, the loan amount is credited to the bank account within 24-48 hours.
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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