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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%.

Cheque Based Finance in Chennai

Want personal finance options in Chennai? Qbera offers cheque based finance in Chennai to salaried individuals with a minimum net monthly income of Rs. 18,000. The minimum CIBIL score required to become eligible for a personal loan from Qbera is 600. 

Cheque Based Finance from Qbera in Chennai

Getting a personal loan from Qbera is as easy as hailing a cab! As a matter of fact, it takes much lesser the time it takes to hail a cab to get an instant loan from Qbera. One of the major requirements involved in getting a loan from Qbera is the Cheque. As part of the documents required to process your loan application, you are required to provide 4 cheque leaves from your salary account. 

Documents required for cheque based finance in Chennai from Qbera

Besides the cheque leaves of your salary account that need to be provided, here are the other documents that are required to process your loan application:

  • PAN Card
  • Aadhaar Card
  • Photographs (passport sized)
  • Salary slips for the last 3 months - can be uploaded online
  • Bank statements for the last 3 months - can be uploaded online

Uploading your bank statements online

Your bank statement is an important document that you will have to submit in order to complete your loan application. You will have to submit your bank statements for the last 3 months through a secure web channel by keying in your netbanking credentials. Your bank statements will automatically be retrieved, and subsequently evaluated on various parameters, the most important being your salary credit. The process takes just about 2-3 minutes. Note that you don't have to submit physical copies of your bank statements. The entire process can be completed online. 

Eligibility for Cheque Based Finance in Chennai from Qbera

Let's take a quick look at the eligibility parameters:

  • You should be at least 23 years old, and not older than 55 years. 
  • The information contained in your documents have to be consistent and accurate. Documents with wrong information will lead the application to be rejected. 
  • You should be employed with your current employer for a minimum period of 3 months. Note that your Payslips and bank statements for the last 3 months have to be submitted, and they can be submitted online. 
  • Your profile should not contain instances of defaults in the last 12 months. 

Tips to keep your credit score high

While applying for personal finance, your credit score is perhaps the most important parameter that influences your loan application. A bad credit score is certain to prompt lenders to reject your loan application. Here are some tips to keep your credit score high:

  • Make timely repayments on your loan - avoid late payments as they have a negative impact on your score. 
  • Make sure you avoid loan defaults at any cost. Defaults on credit card payments are also detrimental. 
  • Keep a healthy balance in your savings account. 
  • If your NACH is active, make sure you avoid EMI bounces, as EMI bounces reflect negatively on your credit profile. 

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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