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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%.

Cash Loan from Private Finance

Getting a cash loan from Private Finance can be your best bet if you're looking for instant credit. Qbera offers instant personal loans to salaried individuals who have a minimum net monthly income of Rs. 20,000 per month. The best thing about getting a personal loan from Qbera is that you can get your loan amount within 24-48 hours after receiving final loan approval, post submission of your supporting documents. Let's find out more about the Aadhaar Finance Personal Loan from Qbera. 

Getting Cash Loans from Private Finance from Qbera - the smart way to get loans

If you want to get a cash loan from private lenders instantly, you can get one from Qbera by following these very simple steps. Here is what you need to know about getting an instant personal loan from Qbera:

  • Visit the Qbera website and fill out your details in the online application form. Details to be filled out will include your personal and professional details. 
  • Once you've filled out your details, based on your credit profile, you will receive instant loan approval. Note that information on your credit profile is obtained through your PAN details from the bureau. Qbera's proprietary risk-based algorithm will assess if you qualify for the loan, and on the basis of which, you will be made a customized loan offer. 
  • You will then have to go ahead and submit your supporting documents, following which an executive will visit you to collect physical copies of your documents. Once you submit your documents, they are verified on the same day, and you will receive a customized loan offer based on your repayment capabilities, credit score, income, etc. 
  • You can also know your eligible loan amount by accessing Qbera's online EMI calculator - just adjust the income and current repayments (monthly) sliders' and know the amount you are eligible for. 
  • Once you accept your loan offer, you will receive your amount within 24-48 hours. Note that all the information in the documents needs to be accurate and consistent. Your application can face rejection if the information is inconsistent. 

Documents Required for Cash Loans from Private Finance in India

The following are the documents to be submitted in order to get a cash loan

  • Aadhaar Card
  • PAN Card
  • Salary Slips (last 3 months)
  • Bank statements (last 3 months)
  • Photographs
  • Cheque Leave from salary account

Eligibility Criteria for Cash Loans from Private Finance Companies in India:

The following eligibility criteria need to be met for cash loans from private finance:

  • Your age should be not less than 23 years and not more than 55 years. 
  • Your CIBIL score should be at least 600, although Qbera offers loans even to individuals with a score of 575, as long as other credit parameters are healthy. 
  • The minimum income required for cash loans from private finance from Qbera is Rs. 20,000 per month. 
  • A minimum employment experience of 6 months is necessary to become eligible. 
  • No defaults should have occurred in the last 12 months in order to get instantly approved for cash loans from Qbera. 

Essential things to consider while applying for cash loans from private finance

1.    Do you really require the loan? do a thorough study about your requirement before applying for a loan. Apply for an amount that is justly required and does not take extra amount simply because you can.

2.    Check the eligibility criteria as these differ from institution to institution and forms the first check for loan acceptance or rejection.

3.    Check your CIBIL score: Higher the score, better are your chances of getting the loan and also at an enviable interest rate. Those with a marginally lower score can also get an easy approval personal loan from Qbera.

4.    Check the interest-rate offered: Lower the interest rate, lesser the total payout at the end of the loan term. So, take care to negotiate a better interest rate.

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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