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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 Visakhapatnam

Need an instant personal loan in Visakhapatnam? Qbera caters to the instant credit needs of salaried individuals who have a minimum monthly income of Rs. 20,000 per month. Let’s look at some important aspects of Qbera’s instant credit product. 

Salient features of Personal Loans in Visakhapatnam from Qbera

Best known as Vizag, Visakhapatnam is a big, populous city located in the heart of Andhra Pradesh. Since its very inception, the city has shown excellent development in terms of infrastructure, education and overall economic development. Owing to these reasons, it is widely touted as the financial capital of Andhra Pradesh. With a total output of $43.5 billion, Vizag is also the ninth largest contributor to the overall GDP of India. Now, in a city as popular as Visakhapatnam, it is only likely that people would need funds to manage their lifestyle and upscale their entrepreneurial ventures. And this is exactly where a Fintech lending platform comes to play. Unlike banks that take several days to process your loan, these platforms offer quick disbursal of funds in as less as 24 hours. Perhaps this is the reason why the masses of Vizag opt for digital platforms for their monetary needs. Yes, if someone needs a personal loan in Visakhapatnam, a digital lending platform would be the spot they’d head to. 

But what are these lending platforms and how do they work? Well, the idea is pretty simple. Most digital lending platforms offer instant cash loans within 24-72 hours. Since they operate digitally, minimum documentation is involved, and the entire application process is smooth and glitch free. Owing to this simplicity, most people opt for Fintech platforms while applying for a personal loan in Visakhapatnam. Qbera is one such platform that offers easy personal loans at reasonable interest rates and flexible tenures. But how exactly does it stand ahead of others? Is it safe to opt for a Qbera loan in Visakhapatnam? Well, read on to find more. 

Qbera Personal Loan in Visakhapatnam - How is it Better? 

Most Banks in India

Low processing fee ranging from 1% to 5%

Processing fee is at least 2.25% of the principal amount along with additional GST charges.

Flexible interest rates starting from 10.99% p.a.

Interest Rate is 11% p.a. or more

Minimum credit score requirement is 600

Minimum credit score requirement is 700 and higher

Enjoy up to Rs 15,00,000 lakhs worth loan when you meet the required criteria

You need to have an income of at least Rs 30,000 and a high credit score to qualify for a loan worth Rs 15,00,000 lakhs

Loan is disbursed within 24 hours or less

Loan disbursal might take from 5 to 7 days. 

Why Should You Get a Qbera Personal Loan in Visakhapatnam?

Well, if you’re looking for a couple of more reasons as to why you should count on Qbera, here’s everything you have to know-

  • Tailor-made loans for low-income individuals- If you earn a monthly salary of Rs 20,000, banks are likely to reject your personal loan application. But such is not the case with Qbera. You can expect your application to be accepted here if your monthly income is Rs 20,000 and your credit score is at least 600. 
  • Paperless loans- Unlike banks that require you to send in thousands of documents, Qbera only asks for the bare minimum. Typically, you’ll have to send in an identification proof, your salary receipts, and bank statement to qualify for a loan here. 
  • No questions asked- Very often, financial institutions require you state your purpose using the funds while applying for a personal loan. But Qbera doesn’t follow that path. As long as you meet the given criteria, you’ll be able to qualify for an easy personal loan without any questions asked.

So why wait when you can avail the best loan offers right away? Simply fill up our form and apply for a Qbera loan to get just the amount you need right now!

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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