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Apply for Quick Personal Loans

Qbera Private Loan Online.
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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 Quick Personal Loans

The volume of people applying for quick personal loans has drastically increased over the past few years - thanks to the digital technology that has enabled financial institutions to quickly reach out to their potential customers. 

Introduction: Quick Personal Loans 

A quick personal loan is an amount that is given to you by a financial institution for your instant financial needs. These institutions can be banks, NBFCs, Fintech companies, P2P lenders etc. They charge an interest rate which is expressed as a percentage of your loan’s principal amount. Quick personal loans do not require any collaterals. This means that you do not have to submit any property or assets to secure the loan. 

If you are looking for a quick personal loan, do not forget to compare between top banks, their interest rates and other charges. The application of quick loans is now mostly done online. Qbera, a leading Fintech company based in Bangalore promotes a completely digital application for instant loans to its customers. 

Evolution of Quick Personal Loans

Post the Great Recession in 2007-09, there was a huge collapse of the financial sector in the world economy. Since then, ‘brick and mortar’ banks are still reluctant to provide unsecured loans. 

While that being the case, conversely, online lenders have emerged at an amusingly fast pace to fill the lending gap. The application process is made easy and fast for any salaried person in need of money. For example, Qbera disburses loans to specifically those who get rejected by traditional lenders on an undue basis. 

The table below will help you understand the difference between the loan application process of online lenders and traditional banks that has undergone a set of stages. 

Steps in Loan Application
Online lenders

Application form

Fill your personal details like your name, email ID, and employment details on the lender’s website and submit. 

Go to the bank branch, fill the application form and then submit. Banks also allow you to apply online, but the documentation process is done offline. 


Online lenders provide the ease of uploading your bank statements securely by providing net banking credentials to verify your employment and income respectively.

Banks will ask for a list of ID proofs and address proofs in physical copies. Submit them along with the application form.


Initially you can check your loan eligibility from the online tool provided by various Fintech companies.  

Banks/NBFCs have a limited list of companies and a high credit score cut-off to decide your eligibility for a loan. 

Turnaround Time (TAT)

Once you have filled the application form with your employment and personal details, lenders will contact you within few hours.

Banks require at least a week or sometimes more than a week to revert on your application. And you may get rejected after a long wait.


Almost every online lender hosts an online EMI calculator. You can calculate your EMI on your own. The results obtained are quick, accurate and error-free. 

A bank executive will provide an EMI based on certain calculations. This math may or may not be shared with you, which in turn may affect the transparency of the process. 


5 Simple Steps to apply for a Quick Personal Loan from Qbera

  1. Calculate your EMI/know your eligibility
    Qbera offers loan up to Rs. 10 lakh to salaried individuals in the age group of 23-55. Their net monthly income must be Rs. 20,000 or more. Running out of time? Check eligibility now
    Qbera hosts one of the easiest tools to calculate your EMI. It has 2 sliders- one for your net monthly income and the other for your current EMIs. The second slider refers to any existing EMI if you are paying at present. Based on these two, Qbera will come up with a loan amount, and EMIs that you are eligible for. Our lowest EMIs start at Rs. 2700.
  1. Fill the online application form
    Logon to Qbera.com, on the top right corner, click on the tab “Apply Now”, you will see a flow of 4 steps with quick titles. This will help you understand what all details you need to keep handy while filling the online form.
    The first step includes two divisions – loan amount and loan purpose. Provide the amount that you need and a purpose from the available options. We offer a list of purposes for which customers apply for a loan. It will help you save time in explaining the reason for borrowing. Just click on the purpose and move to the next step. 
  1. Provide your personal information
    In the next step, provide your personal details such as your name, personal email-Id, employment details, Id proofs and residential proofs. It is very important to fill these details correctly as you may not want to get rejected when your information is cross-verified. 
  1. Bank & Employment details
    To verify your bank account details, fill your net-banking details (in a completely secure set-up) that supports your transaction history with the bank. In order to verify your employment, provide your professional e-mail Id. In case you do not have one, you will be asked to provide Form 26AS as a proof of your employment.
  1. Loan offer
    Once we find that the details provided by you are completely authentic, we will revert with a quote for your loan based on your budget and repayment capacity. 
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
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MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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