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Personal Loans made simple!

Find the loan that's perfect for you!
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%.

Best Instant Loan Apps in India

Are you looking to get an instant personal loan from the best instant loan app in India? If yes, you’re on the right page. At Qbera, we offer instant loan to people across the nation. So, regardless of your location, simply fill our application form to get started! Our web-app is simple, and if you follow the guidelines correctly, you’ll end up completing the process in less than 15 minutes. The best part: if you meet the required eligibility parameters, you can get the loan within 24 to 72 hours. Our process is simple, and we are always willing to address your varying financial needs!

Documentation Requirements for Best Online Loan App in India

Most lenders will need your KYC forms, income proof and any other relevant document that stands as your address proof. But unlike banks, you do not have to visit the physical branch of the lender to send your documents. In platforms like Qbera, all your documents can be easily uploaded online. Let’s take a closer look at the documents you’ll need to submit.

  • A copy of your Aadhaar card.

  • A copy of your Pan Card.

  • Salary receipts for the last three months. 

  • Bank statements for the last three months. You can easily upload your bank statements by adding your Netbanking credentials. This process is completely safe and Qbera lets you do this on the application page itself.

  • Passport size photographs. 

Once you furnish the required documents, you’re a step closer to getting an instant personal loan from the best instant loan app in India. 

Can I Get Instant Loan without Documents? Top Instant Loan Apps in India

While you can’t get an instant loan without documents, at Qbera, you can get this loan by submitting the scanned copy of your documents on our dedicated application portal. The process is simple, and it won’t take much time. 

Eligibility Criteria for Personal Loan from Best Loan App in India

Now that you are fully aware of the documents you’ll need for getting started with the process, let’s take a closer look at the eligibility criteria you need to follow. 

  • Your age should be between 23 years and 55 years.

  • You should be a salaried professional. 

  • Your net monthly income or take-home salary should be at least Rs 20,000. 

  • You need a minimum credit score of 600 for qualifying for a personal loan on the best instant loan app in India. 

  • Your credit profile shouldn’t have any reports of default over the last 12 months. 

Remember, while few instances of late payments won’t directly result in rejection, if you’ve been paying late for several months, your application may not get through. If the eligibility parameters don’t seem to work with your financial situation right now, take some time to build your credit and apply for a new loan after three months. 

Your application is processed and eventually approved if you meet most of the given conditions.

Other Criteria You Might Have to Meet for Instant Loan Apps

In addition to meeting the featured eligibility criteria, it is also important to consider the following parameters to qualify for a financing option from the best instant loan app in India. 

Job Experience: You need to be a salaried employee of an organization for at least six months, if you’re planning to borrow funds for the first time. If your overall employment experience is less than three months, you may not qualify for the loan.

Debt to Income Ratio: When it comes to instant loans, your monthly debt to income ratio is also considered before processing your application. If your total debts are 40% to 50% of your income, it indicates high risk behaviour and most lenders might reject your application. While Qbera is extremely lenient with the eligibility criteria, we too give importance to your debt to income ratio. So, if you have multiple debts, it is best to clear some of them, before applying for a new loan. 

Accommodation History: If you are guilty of changing homes a bit too frequently, you may not qualify as easily for an unsecured personal loan in India. Ideally, you should live in your current home for at least 6 months to qualify for the process. 

While these were some of the common criteria, lenders might also impose new rules as per their preference. In order to secure your chances of approval, it is best to double-check the eligibility section of the instant loan app or website. In this way, you’ll have complete clarity regarding the factors that’ll contribute to your approval. 

What Types of Loans Can I Get From the Best Instant Loan App in India?

An instant loan app offers a wide range of financing options. Here’s a list of the most popular ones.

Personal Loans: One of the most common unsecured financing options, a personal loan is a simple way to get quick cash. Almost all instant loan apps in India offer personal loans to people with varying income levels. Unlike banks that require several days (or even weeks) to approve your application, applications made through instant loan apps are approved in less than a day. Also, while banks do not extend their loans to individuals working in unrecognized companies (also known as C or D rated companies) instant loan apps have no such criteria. In a bid to make credit accessible for all sections of the society, these companies let you apply for a loan as long as you have a minimum credit score of 600 and a monthly income of Rs 20,000. 

Home Renovation Loans: In an attempt to diversify lending options, instant loan applications also offer home renovation loans. As you’d guess from their name, these loans are tailored to address your home fixtures. At Qbera, we offer home renovation loans ranging from Rs 1 Lakh to Rs 15 lakhs. 

Wedding Loans: If you’re planning to get married over the next few months and are fully strapped for cash, a wedding loan from an instant loan app is your saviour. At Qbera, our unsecured wedding loans start from 11.99% p.a.

The best instant loan app in India is tailored to help you address your financial emergencies. Apply for these loans to get quick cash within (or even faster than) your desired timeline. 


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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