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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 Vijayawada

Need a personal loan in Vijayawada? Qbera offers instant personal loans in over 180 locations in India. Apply with Qbera and get approval within seconds!

Vijayawada is a popular city in the Indian state of Andhra Pradesh. Qbera offers loans to salaried individuals in Vijayawada at economical rates of interest starting from just 11% p.a. There are several advantages that are tied to Qbera’s unique instant loan product – benefits that aren’t offered by the existing popular banks in the market. Let’s look at some prominent features of personal loans in Vijayawada from Qbera.

Features and benefits of Personal Loans in Vijayawada from Qbera

Here are some features that stand out:

  • Instant approval: When you apply for a personal loan in Bangalore, Vijayawada, Chennai or any other city in India, the benefit of instant approval is contiguous. As soon as you apply for an instant personal loan in Vijayawada form Qbera and provide your KYC information, your credit report is pulled from the bureau. Post evaluation of your profile, you will receive instant approval.
  • Disbursal within 24 hours: Get your loan disbursed within a mere 24 hours post final approval. Most private banks take at least 5-7 business days to disburse your loan; Qbera takes 1 day!
  • Minimal paperwork: If you’re thinking Qbera’s loan process resembles the process of the olden days where extensive physical paperwork was quite the norm. All documents that are required to process your loan application can be submitted online. Bank statements can be submitted online by logging in to a secure platform with your netbanking credentials (relevant to your bank).
  • Check your eligible loan amount beforehand: By using Qbera’s eligibility calculator, you can know the maximum loan amount that you are eligible for. Use the available sliders to adjust your income and current monthly EMIs to get a decently accurate estimate of your eligible loan amount.  
  • A super-supportive customer service: Qbera has a robust customer service setup that assists customers from start to end. Any queries or concerns that you may have, you can interact with our customer support staff through Whatsapp, email or telephone.

Personal Loan in Vijayawada – Essential differences between Qbera and Traditional Banks

Popular Private Banks
CIBIL score of 600
Minimum CIBIL score of 750
Minimum net monthly income of Rs. 20,000
Minimum net salary of Rs 30, 000 and more
No defaults in the last 12 months
No defaults in last 12 months
Late payments a few times are allowed
Late payments attract heavy penalty
Paperless loans
Paperwork involved

A quick look at some tips to maintain a good credit score and improve your approval chances for personal loans in Vijayawada

  • Make payments towards existing credit accounts on time - avoid late payments and prevent EMI bounces.
  • Don’t default on any monthly payments – defaults have a detrimental impact on your credit score. If you have defaults in the last 12 months before applying for fresh credit, your application is highly likely to get rejected.
  • Keep your monthly debt to income ratio in control and don’t apply with multiple lenders at once.
  • Study your credit report on a regular basis to identify pain areas that are negatively impacting your score.  
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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