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Personal loan in Gurgaon

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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 Gurgaon

Looking for a personal loan in Gurgaon at the best interest rates? If you are, Qbera has just the perfect personal loan product for you! With interest rates starting at 11.99% p.a., Qbera offers instant personal loans in Gurgaon to salaried individuals. If you’re a salaried individual and wondering why you should choose Qbera to apply for a personal loan in Gurgaon, there are several reasons that make Qbera the ideal lender for your credit needs. Let’s go ahead and find out!

Why Choose Qbera to apply for a personal loan in Gurgaon?

 Several exciting aspects make Qbera the ideal choice for personal loans. Here are the highlights of Qbera’s personal loan offering in Gurgaon:

Instant Loans in Gurgaon 

Qbera doesn’t just offer personal loans in Gurgaon, it offers instant personal loans in Gurgaon – meaning, you can expect to receive the loan amount to your registered bank account within 24-48 hours. Instant loans have become quite popular in the present day and Qbera has adjusted its product offering to provide best-in-class instant loan services. 

Digital application process

No more headache of submitting physical documents to executives who will come and visit your home/workplace. Qbera has expanded the scope of its personal loan product, allowing you to digitally apply for personal loans in Gurgaon.  Right from the start of the application until the very end, you can digitally complete your application process. This includes digital submission and verification of your supporting documents. 

Personal loans in Gurgaon for low credit scores

If you have a great credit score, brilliant! If you don’t, that’s nothing to be anxious about. Qbera offers personal loans in Gurgaon to salaried individuals even with a credit score of 600. So if your credit score is above 600, you can expect to get a loan from Qbera. While a low credit score is fine, you shouldn’t have had instances of defaults in the last 24 months. 

Low income? Qbera has loans for low-income individuals in Gurgaon

Most traditional banking institutions offerings personal loans to individuals require a minimum income eligibility criteria of Rs. 30,000 – Rs. 35,000 to be met. It isn’t the same with Qbera – Qbera requires you to have an income of Rs. 20,000 to be eligible for a personal loan in Gurgaon. 

Personal loans in Gurgaon for employees of unlisted companies

If your company is unlisted, that’s not a problem too. Note that in case of organizations that are unlisted by banks or financial institutions offering personal loans, employees working in the corresponding organization will be denied a loan. This is mostly because of the risk algorithm adopted by popular lending institutions – they do not list new startups and companies that do not have a sufficient market presence and reputation. 

At Qbera, however, even if your employer/company/ organization is not listed, you will not be rejected solely on that basis. Qbera serves employees of over 7 lakh companies in India. 

Top-quality customer service

A good customer service setup is imperative for any business, especially when there is direct contact with the customer and potential occurrence of issues and concerns. Qbera has the perfect customer service framework to speedily address queries. Qbera representatives can be reached via the toll-free number, through e-mail, or through Whatsapp. 

Same day loan disbursal

Wondering when you’ll receive the loan amount into your account after you get an approval from Qbera? Well, after you’ve submitted all your documents and receive final approval from Qbera, you will receive the loan amount within 24 hours. 

Eligibility for personal loans in Gurgaon

If you have to become eligible for a Qbera personal loan in Gurgaon, the following eligibility parameters need to be met:

  • You should be at least 23 years old.

  • Your income should be at least Rs. 20,000 p.m. 

  • Your credit score should be a minimum of 600. 

  • You should be a salaried individual (Qbera doesn’t offer loans to self-employed individuals currently). 

  • You should submit the required documents and information contained in the documents have to be accurate and consistent. 

Steps to get your instant personal loan in Gurgaon from Qbera

Follow these very simple steps to apply for personal loans in Gurgaon from Qbera:

  • Visit the Qbera website and click on the Loans for salaried individuals’ option. 

  • Choose a loan amount and purpose. Next, fill out personal, income, residential and professional details. 

  • You can calculate your EMI using the Qbera EMI calculator. 

  • Through Qbera’s risk algorithm, you will get instant approval if your profile meets the basic eligibility parameters. 

  • Depending on your credit profile, you will be offered a particular rate of interest, an approved loan amount in the form of a customized loan offer, after considering several parameters including monthly repayment liability, credit score, income, etc. 

  • You can upload your documents online, post which your documents will be digitally verified. 

  • You will receive a final loan offer that you can accept if you’re satisfied. 

1. What is the minimum and maximum interest rate for personal loans in Gurgaon?

A. Qbera offers personal loans that start at an interest rate of 11.99%, reaching up to 24% p.a. depending on various parameters.

2. If my application gets rejected, when can I re-apply for a personal loan with Qbera?

A. If your application gets rejected, you can re-apply for a Qbera personal loan in 3 months’ time.

3. What are the minimum and maximum loan amounts?

A. You can avail loans from Rs. 25,000 to Rs. 10 Lakh. The amount you can borrow, however, will depend on your income, credit score, and monthly repayment liabilities.

4. What are the documents for a personal loan in Gurgaon?

A. The following documents have to be submitted:

  1.      Pan Card
  2.      Aadhar Card
  3.      Permanent address proof
  4.      4 cheques from your salary account
  5.      Current address proof

5. What are the cities where Qbera offers personal loans to salaried individuals?

A. Qbera serves salaried individuals in the following cities:

  1. Bangalore
  2. Chennai
  3. Pune
  4. Ahmedabad
  5. Jaipur
  6. Mumbai
  7. Gurgaon
  8. Noida
  9. Hyderabad

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?
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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
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MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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