Qbera Open Nav
Simple . Fast . Secure

Cash Loan

Get instant cash online!
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%.

Cash Loan

Get a cash loan from Qbera within 24 hours after receiving final loan approval! Don't wait days to get your loan amount! With Qbera, you can qualify for a cash loan online if your income is at least Rs. 20,000 per month and your credit score is 600! 

What are cash loans?

Cash loans are nothing but personal loans that come with flexible tenure options. Tenures usually range from 6 months to 60 months, and lenders offering personal finance to individuals allow them to pick a tenure based on their repayment convenience. Just like personal loans, cash loans are also unsecured, requiring no collateral to be pledged with the lender. In the case of most lenders offering cash loans in India, the interest rate falls in the range between 10.75% and 24% (can go higher too - this is on a case-to-case basis). 

Eligibility for Cash Loans from Qbera

23 years – 55 years
Rs. 20,000 per month (net monthly take-home income)
Credit Score
600 and above
EMI bounces
No EMI bounces in the last 3 months
No defaults in the last 12 months

Cash Loans Online from Qbera

Getting an instant cash loan from Qbera comes with a host of advantages. Let's take a look:

Instant Loan Approval

When you want to get immediate cash from Qbera, you'll have to provide your KYC details. Once you do so, information on your credit profile is pulled from the bureau instantly, and your profile is evaluated on certain parameters - this happens real time through Qbera's risk-evaluation algorithm. Your credit score, repayment patterns, and current monthly credit obligations are assessed, following which you will receive instant loan approval if your profile meets Qbera's internal credit norms. Note that Qbera has very lenient eligibility parameters - you can qualify for a loan if your income is Rs. 20,000 and your credit score is 600+. 

Online Document Submissions

After you receive instant approval, you will then be directed to a page where you can submit all your documents online. You'll have to submit your payslips, e-KYC documents, and other documents indicating proof of residence and identity. You will also be required to submit your bank statements through a secure web channel using your netbanking credentials. Your documents are then digitally verified, post which you will be made a customized loan offer. Note that your loan offer might not essentially be in line with your requested loan amount, as several parameters including your credit history, repayment history, income, current credit obligations and credit score are considered. Note that applying for an instant cash loan with Qbera involves minimal paperwork.

Instant Cash for employees of unlisted companies

Qbera offers cash loans to individuals employed with uncategorized companies, much unlike banks that have far stricter eligibility parameters and only offer personal finance to individuals employed with companies listed in their respective databases. Qbera also goes one step further by allowing individuals staying in shared accommodations to apply for instant credit. 

Documents required for cash loans from Qbera

  • Aadhaar Card
  • PAN
  • Payslips for the last 3 months
  • Bank statements for the last 3 months
  • Cheque Leaves (salary account)
  • Photographs

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


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