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Qbera Quick Disbursal Loans!
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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 Instant Loan Online

What are instant loans?

Instant loans are a type of personal loan that sports a much faster and seamless process, enabling them to reach your bank account almost instantly, regardless of the amount in question.  Instant loans have become very popular in the current day, with several companies, many of which are Fintech players, providing these loans to salaried and self-employed individuals. In the instant loans space that comprises mostly unsecured loans, personal loans are the most popular. 

Apply for instant personal loans – Why you should choose Qbera for instant personal loans?

 If you’re thinking of why you should apply for an instant loan with Qbera, well, an instant loan from Qbera offers several benefits to a wider proportion of salaried individuals in India. Let’s find out more about the Qbera instant loan and how to apply for instant loans with Qbera. 

Apply for Instant Loan with a Low Credit Score

Qbera allows you to apply for an instant loan even with a low credit score of 600. Usually, private banks that offer personal loans (not so much as instant loans), usually ask for a credit score of at least 750. So if you have a bad credit score and you’re looking to apply for instant loans, Qbera is where you can get the best instant personal loan at the best possible interest rate. 

Apply for Instant Loans with Low Income

Qbera offers loans to salaried individuals with a minimum income of Rs. 20,000. So if you wish to apply for an instant loan with low income and have been rejected by a private bank or financial institution because of not meeting the income eligibility criteria, you can apply for an instant loan from Qbera. 

Paperless instant loans

The entire loan process employed by Qbera is paperless and digital. No physical documentation is necessary and verification of documents is also done online. You can upload documents supporting your income, residence, and identity online. Bank statements can be submitted using your netbanking credentials. 

Instant loans for employees of unlisted organizations

Have you been rejected previously because your employer/organization wasn’t listed? Well, you don’t have to look at that with concern when you apply for instant loans at Qbera. Currently, Qbera offers loans to employees of over 7 Lakh Indian companies – this also includes a large chunk of salaried individuals employed in unlisted companies. 

Know your loan eligibility with east

Qbera lets you know your loan eligibility through the online EMI calculator. You can use the sliders to adjust your income and your current monthly repayment amounts on any active loans. You can also know the loan EMI depending on the tenure you choose. 

Eligibility criteria to remember when you Apply for Instant Personal Loans

If you’re looking to apply for instant loans from Qbera, here are some important eligibility parameters that you should be aware of: 

  • You should be at least 23 years of age. 

  • You should have a minimum credit score of 600. 

  • Your minimum monthly income should be Rs. 20,000. Qbera offers instant personal loans only to salaried individuals. 

  • You shouldn’t have instances of defaults in your credit profile at least over the last 24 months. 

  • The information you provide should be accurate and consistent (information in supporting documents). 

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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