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Apply for Easy Loans Online

Qbera Instant Personal Loan!
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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%.

Apply for Easy Loans Online

What is an easy loan?

Easy loans are unsecured loans that come with flexible tenures. They’re similar to personal loans, only that they’ve derived the name for themselves by sporting an easy application process and subsequent disbursal. Some other names for easy loans are – online loans, instant loans, and quick loans. 

How do you apply for easy loans?

There are many financial institutions that offer easy loans (personal loans with a simpler and easier application processes).  Fintechs and private lending institutions are the primary players in the market. Qbera is a popular Fintech company that lets you apply for easy loans through mobile and web platforms. The entire application process can be completed online in a few steps. 

How to apply for easy loan with Qbera?

Follow these simple steps to apply for easy loans with Qbera:

  • Visit the Qbera website and click on the “Apply Now” option available on the site, or the “Apply” option for salaried individuals. 
  • Fill out your personal and professional details in the application form, after you’ve picked your loan amount and the purpose of your loan. 
  • Submit your income, residence and identity documents. You can upload your bank statements online through your netbanking credentials (by logging in to a secure web platform that uses your credentials only to pull your bank statements). 
  • Receive a customized loan offer from Qbera. You’ll get an offer after your credit profile has been reviewed. 
  • Accept the loan offer – which will quote a loan amount depending on your credit profile, monthly income, and repayment capacity. Once you accept the offer, you will receive your loan amount within the time-frame of 24 to 48 hours.

Interest rate on Easy loans from Qbera

The interest rate on easy loans from Qbera starts at 11.99% p.a. and can go up to 24% p.a. The interest rates on easy personal loans depend on your credit history, credit score, the number of debt sources and your debt to income ratio. 

Apply for Easy Loan from Qbera – See if you’re eligible

  • Qbera allows you to apply for easy personal loans if you have a minimum credit score of 600. 

  • The minimum monthly income to be eligible for an easy personal loan from Qbera is Rs. 20,000. 

  • The minimum loan amount offered is Rs. 25,000 and the maximum loan amount is Rs. 10 Lakhs. 

  • Qbera offers easy personal loans to employees of over 7 Lakh companies in India. 

  • The minimum age to apply for easy personal loans from Qbera is 23 years. The maximum age is 55 years. 

  • As a Qbera customer, you can choose a loan tenure ranging from 6 months to 60 months. 

1. I just got my loan application rejected. Why is that?

A. Qbera offers loans to individuals with low credit scores, yes. But if you’ve had instances of defaults or multiple instances of EMI bounces, you can be rejected. Also, if you have too many debt sources and your monthly repayment amount is over 50% of your income, Qbera will most likely not offer you a loan. 

2. When can I re-apply for a Qbera if I get my loan application rejected?

A. You will have to wait for 3 months before you can re-apply for an easy personal loan with Qbera. 

3. How long will the loan amount take to get disbursed into my loan account?

A. The loan amount will be disbursed to your bank account within 24 hours. 

4. What is the maximum loan amount that you can apply for from Qbera?

A. Qbera offers a maximum loan amount of Rs. 10 lakhs. The approved loan amount will depend on your income, credit score and repayment patterns in the past.

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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