Qbera Open Nav
Simple . Fast . Secure

Apply for Unsecured Loan

Qbera Instant Personal Loan!
Apply now!
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 Unsecured Loan

What are unsecured loans?

Unsecured loans are loans that don’t require any collateral and usually have a high approval rate and quick disbursal time. The best example of unsecured loans are personal loans – an extremely popular loan type in the market today. If you’re looking to apply for unsecured loans, there are several players in the market offering unsecured loans to salaried individuals. As a matter of fact, unsecured loans, which were once only available for individuals with a decent income level and a credit score, are not available to a wider segment of individuals. In today’s market there are unsecured loans for low credit scores, unsecured loans for low income, and unsecured loans for self-employed individuals.

Let’s take a look at Qbera’s personal loan and its features. If you want to apply for an unsecured loan, Qbera can be your best pick, and for a lot of reasons of course.

Unsecured Loans from Qbera – Why you should choose Qbera to apply for unsecured loans?

Apply for unsecured loans with Low Salary

Qbera offers unsecured loans for individuals with less salary – in order to qualify for an unsecured loan from Qbera, your income should be at least Rs. 20,000 per month. An income of less than Rs. 20,000 per month will not let you qualify for a Qbera personal loan.

Apply for unsecured loans with low credit scores

You can apply for an unsecured loan from Qbera with a credit score of 600+. Most private financial institutions that offer unsecured loans to individuals require them to have a minimum credit score of 750.

Apply for unsecured loans even if your employer is not listed

Qbera offers instant unsecured loans to individuals who work in organizations that aren’t listed in the database of banks and financial institutions. For instance, if you’re employed with a start-up, your company won’t be listed in the database of financial institutions, thereby leading to initial rejection – you will technically be rejected even if your income is good and your credit score is up there. Qbera, however, offers loans to employees of unlisted companies.

Unsecured loans with flexible tenure options

When you choose Qbera for your unsecured loan, you can choose from flexible tenure options ranging from 6 months to 60 months. Available tenures are mostly on an annual basis after the 1-year period, but Qbera also gives you the opportunity to pre-close your personal loan. If you choose to pre-close your loan, corresponding charges will hold applicable. 

Digital loan processing

When you apply for unsecured loans from Qbera, your loan will be processed digitally, on the very same day. Your documents will also be verified digitally – you don’t have to submit physical documents, as Qbera offers paperless unsecured loans.

Low processing fees, no hidden charges

Qbera loans have a low processing fee of just about 2% of the loan amount. Also, there are no hidden fees or charges – all charges that are involved are made clear to you upfront.

Customer Service

Qbera boasts a great customer service team that can be contacted by e-mail, telephone or whatsapp. Customer service associated can be contacted on both weekdays and weekends.

Wide spectrum of loan amounts

You can choose a loan amount from Rs. 25,000 to Rs. 10 Lakhs. The loan amount will depend on your income, your credit score and your repayment history.

Knowing your loan eligibility

You can use the Qbera online EMI calculator to know your loan eligibility by feeding in your income and current monthly liability. Depending on the information you enter, you will be shown your eligible loan amount.

Interest rate on unsecured loans from Qbera

The interest rate on Qbera’s unsecured loans ranges from 11.99% p.a. to 24% p.a. The interest rate on your loan will depend on your income, current monthly repayment amounts on existing loans if any, and your credit score. As such, a good credit score will always serve to get you a better interest rate.

1. What are the minimum age and the maximum age to apply for an unsecured loan from Qbera?

A. The minimum age to qualify for a loan is 23 years, and the maximum age is 55 years.

2. Can I change my loan tenure?

A. The loan tenure will remain fixed after you’ve chosen your tenure while applying for the loan. However, you can pre-close your loan before the tenure matures.

3. If I face rejection, how long will I have to wait to re-apply?

A. If you’re rejected, you’ll have to wait at least 3 months before you can re-apply for a loan from Qbera.

4. What is the maximum loan amount that I can borrow from Qbera?

A. Qbera offers a maximum loan amount of Rs. 10 Lakhs to eligible customers.

5. How do I make repayments towards my Qbera loan?

A. Repayments will automatically be deducted on a particular date every month, through the NACH mandate. If you fail to maintain sufficient charges on that particular date in the month, penalty and bounce charges will accordingly be levied.

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


Powered by InCred

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

© 2021 Qbera | All Rights Reserved