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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 Lucknow

Get super-quick personal loans in Lucknow! Thanks to Qbera, the loan landscape has undergone significant transformation, with individuals being able to get access to easy and convenient access to credit. Qbera offers instant personal loans in Bangalore, Lucknow and other cities in India for individuals who are salaried and have a minimum net monthly income of Rs. 20,000 per month. Choose Qbera and repay your loan through flexible repayment tenures. 

Personal Loans in Lucknow - Here is everything you need to know

The capital and the largest city in the state of Uttar Pradesh is also home to many IT companies as well as industries such as aeronautics, automotive, machine tools etc. Many have made this city their home and in situations that require immediate funds may look at banks for finance. Banks invariably owing to their strict rules and criteria cannot make these loans available instantly. Fintechs, on the other hand, can provide quick personal loans in Lucknow within 24-48 hours of a successful verification.

Fintechs like Qbera use the best in technology and finance to make personal loans accessible as well as easy to avail. The city of Nawabs can surely benefit from a variety of easy personal loan options made available by Qbera.

Personal Loan in Lucknow - Qbera vs Private Banks

Private Banks

Processing fee

1% -4%

2.25% of principal + GST

Interest rate

Starting at 10.99%

Starting at 10.99%

Credit Score required

600 and above

750 and above

Minimum income

Rs. 20,000 per month (net monthly)

Rs. 30,000 and above per month (for most top banks in the market)

Minimum age required

23 years

21 years

Pre-closure charges

5% + GST

5% + GST after a lock in period

Features of Easy Personal Loans in Lucknow from Lucknow

  • Multifaceted: This easy personal loan is highly flexible. Marriage costs or higher education, an exotic vacation, home renovations or even debt consolidation can be easily managed with it. You can choose what you want to do with the money as the end use is not specified by the lender. So, the use of the amount sanctioned is completely up to the borrower.
  • Easy Application and approvals:  The application process is extremely simple and completely digital. The loan status is communicated to the applicant instantly and all the documentation and verifications are done online.
  • No Collateral required: These are unsecured loans that do not require any kind of collateral or guarantor. Your personal assets need not be pledged with the lender unlike the scenario with a traditional lender.
  • Flexible loan tenure & interest rate: The loan tenure ranges from 12 to 60 months along with an attractive interest rate ranging from 10.99%. This means that you can select a loan tenure that does not burden your monthly budget.
  • Individuals in shared accommodation: individuals in shared accommodation or staying as paying guest especially in cities – away from their villages and families face immense difficulty in getting a loan. Their loan requests are often rejected as they cannot prove their stability. Qbera s risk assessing algorithm can give a better credit report and so such applications are considered. 

Things to keep in mind while applying for a Quick Personal Loan in Lucknow

Before taking an easy personal loan in Lucknow, do remember that consistent and prompt repayments are preemptive. Failure to do so can severely impact credit scores. Careful requirement analysis is suggested. 

  • It is easy access to money, and one might be tempted to take an extra amount. This is highly discouraged as it has to be repaid along with an interest within a timeframe. It might become a long-term liability – if proper consideration is not there.
  • Scrutinize the eligibility criteria carefully to ascertain if you qualify. These conditions form the first level of application consideration.
  • Choose the right lender in order to improve your chances of approval and avoid rejection from lenders with stringent eligibility criteria. 

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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