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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 Online Loans

What are online loans?

Online personal loans, popularly called online loans, are loans that you can get online, without having to visit a bank or financial institution. All lenders these days allow you to apply for online loans without you being required to visit a branch – from start to end, the loan application process can be completed online. 

Among the many lenders active in the online personal loan market, Qbera is a popular Fintech company that offers online personal loans. So if you wish to apply for an online personal loan, Qbera can be the best option for you for numerous reasons. 

How to apply for online loan from Qbera?

  • If you’re looking to apply for an online loan from Qbera, it is as easy as you’d perform any easy task online. Let’s take a look at how you can apply for an online personal loan from Qbera:

  • Visit the Qbera website on –  https://www.qbera.com/ and click on the option to apply for a personal loan. Currently, Qbera gives online personal loans only to salaried employees.

  • Enter the loan amount that you wish to borrow and also the purpose for applying for an online personal loan from Qbera. 

  • Fill out your details in the online loan application form – make sure the information entered by you is accurate. 

  • Upload your documents online – documents indicating proof of identity, residence and income. You will have to upload/submit your bank statements for the last 6 months. 

  • Your loan documents will be digitally verified, following which you will receive approval. Note that initially when you first feed in your details, you will receive initial approval instantly based on various parameters in your credit profile. 

  • After receiving final approval, you will get a customized loan offer from Qbera where details of the loan terms will be mentioned. 

  • After you accept the loan offer, the loan amount will reach your bank account within the span of 24-48 hours. 

Benefits of applying for online loans from Qbera

Let’s look at some prominent reasons why you should choose Qbera to apply for online loans:

Apply for online loans even with a low credit score

With just a credit score of 600, you can apply for an online loan from Qbera. Qbera offers online loans to individuals with low credit scores. 

Apply for online loans with low income

Qbera offers online loans to individuals with low income levels – online loans are available to individuals with a minimum monthly salary of Rs. 20,000. 

Apply for an online loan through the paperless route

Qbera’s loan application process is completely paperless – No physical documents are collected in the loan process, unless you don’t have a credit history, or your credit profile necessitates the requirement for physical document collection. Your documents, once submitted, will be verified, following which you will be made a customized loan offer. 

Choose your online personal loan tenure

You can choose loan tenures ranging from 6 months to 60 months, depending on your repayment capacity. 

Calculate your loan EMI and know your loan eligibility

The Qbera online EMI calculator lets you know your loan eligibility. Using the slider bars, set your income and your current EMIs (EMIs that are running on current loans). You will accordingly know the amount you are eligible for and your monthly EMI. Note that Qbera gives you the option of picking your own loan tenure (6 months to 60 months). 

Apply for online personal loans even if your employer is unlisted

Qbera offers online loans to salaried employees of unlisted companies. Qbera currently offers online loans to salaried employees of over 7 Lakh companies across India. 

Apply for online personal loans anywhere, anytime

You can apply for online personal loans from Qbera from the convenience of your home at any time, either through mobile or web platforms. 

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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