Qbera Open Nav
Simple . Fast . Secure

Personal Loans made simple!

Find the loan that's perfect for you!
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%.

Personal Loan in Bhubaneswar

Looking for instant credit in Bhubaneswar? Well, Qbera offers instant cash loans in 1 hour in Bhubaneswar at interest rates that start from just 11% p.a.  The minimum income required to apply for personal loans from Qbera is Rs. 20,000 per month. Apply today, get approved within seconds, receive your loan offer within an hour, and get your money within 24 hours!

Cash Loans from Qbera - here is what you should know

Qbera offers instant personal loans in the largest city in Odisha that is also the economic and cultural hub of eastern India. Personal loans in Bhubaneshwar are the easiest loans to avail for any kind of fiscal deficit. These are unsecured loans that are also extremely flexible. The unsecured nature of the loan means a higher interest rate when compared to secured loans, but it also means that the borrower does not have to pledge any of his/her asset with the lender. Your property, gold, and other assets don't have to be pledged, and you also do not require a guarantor to vouch for you.

The flexible nature of the loan is such that it can be used for a variety of monetary needs. Any shortage of funds can easily be managed with a personal loan in Bhubaneshwar from Qbera. Marriage loan, education loan, home renovation loan, debt consolidation loan, vacation loan are the various forms that a personal loan usually takes. The scope of the loan is not restricted in any way.

Personal Loans in Lucknow - a Comparison between Qbera and Popular Private Banks

Private Banks

Processing fee

1% -5%

2.25% of principal + GST

Interest rate

Starting at 10.99%

Starting at 11.99%

Credit Score required

600 and above

750 and above

Loan amount 

Up to Rs 25 00 000

Up to Rs 15 00 000

Minimum age required

23 years

21 years

Pre-closure Charges

5% + GST

5% + GST after a lock-in period

Features of Personal Loan in Bhubaneshwar from Qbera

  • The entire process of applying for an unsecured loan is extremely easy with just a handful of documents. Aadhar card, PAN card, Salary slips and income statements, bank statements, photographs and post-dated cheques from the salary account are the documents that are required. 

  • The entire process of applying for and receiving a personal loan is extremely fast. From applying for the personal loan, document verification and amount disbursal can actually be completed within 24-48 hours provided all the documents are up to date.

  • Fintech companies specialize in combing technology and finance. The digital application process, therefore, is hi-tech and seamlessly integrate the entire procedure of applying as well as receiving an online personal loan.

  • There are many who fall in the low-income category and who find it quite difficult to avail loan while facing money shortage. The stringent policies followed by banks make it even more difficult. Fintech companies like Qbera that have lenient features are now providing loans to those who have a take-home salary of Rs 18000 too.

  • The individual’s credibility can be easily determined using the CIBIL score. The unsecured nature of the loans makes it an important factor to consider and so banks prefer a score of 750 and above. Those with a lower score, therefore, cannot access credit. Fintech’s do consider marginally lower scores and so a person with a score of 600 and more can get a loan from Qbera.

 Eligibility for personal loans in Bhubaneswar from Qbera

  • Salaried individuals with a minimum net salary of Rs. 18,000 are considered. 
  • Age: 23-55 years.
  • Individuals with a credit score of 600 are considered.
  • There should be no payment defaults in the last 24 months.

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


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