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Digital Cash Loans in India

Apply and get instant cash loans online in India
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%.

Digital Cash Loans in India

Cash loans are now completely digitized, thanks to Fintech lending startups and P2P lending platforms. You can choose from flexible repayment tenures, a wide bandwidth of loan amounts, and complete the entire application process online. The necessity of visiting a bank branch and submitting extensive paperwork to the verification executive isn't necessary anymore. With Qbera, you can complete your cash loan application process digitally. Your information is digitally verified and you will correspondingly receive instant approval on your digital cash loan. 

Eligibility for digital cash loans in India from Qbera

  • You must be a salaried individual with a minimum net monthly income of Rs. 18,000. 
  • Your credit score must be at least 600. 
  • No instances of defaults in the last 12 months and no EMI bounces in the last 3 months should've occurred. 
  • You must be at least 23 years old and not older than 55. 
  • You must be employed with your current employer for a minimum period of 3 months. 

Comparison of eligibility criteria between Qbera and Traditional lenders

Traditional Lenders
A minimum score of 600
A minimum score of 700; a minimum of 750 in some cases
Minimum net monthly income of Rs. 18,000
A minimum income of Rs. 30,000
No defaults in the last 12 months
No defaults in the last 12 months
Late payments a few times are allowed
Late payments will most likely lead to rejections
Predominantly paperless
Involves paperwork

Documents Required for digital cash loans from Qbera

  • Aadhaar Card
  • PAN Card
  • Cheque Leaves from your salary account - 5 nos. 
  • Photographs (Passport sized photograph)
  • Address Proof
  • Salary Slips - last 3 months, can be uploaded online
  • Bank statements - last 3 months, can be submitted online through a secure web interface. 

Things to note while applying for a digital cash loan in India from Qbera

Here are some noteworthy points will help you understand Qbera's loan application process better:

  • You can get a personal loan from Qbera even if your application has faced rejection earlier. 
  • Your employer being uncategorized isn't a reason for rejection of your loan application with Qbera. While most traditional lenders reject loan applications of employees working with uncategorized or unlisted companies, Qbera does not reject such applications. Currently, Qbera is serving employees of over 7,00,000 companies in India. 
  • You can get instant credit from Qbera if you reside in any of the following Indian cities: Bengaluru, Mumbai, Pune, Chennai, Hyderabad, New Delhi, Jaipur, Ahmedabad. 
  • If you have EMI bounces any time over the last 3 months, your application might get rejected. Make sure you don't have instances of EMI bounces in the last few months to improve your approval chances with Qbera. 
  • With Qbera, your loan amount will be disbursed within 24-48 hours after you receive final loan approval.
  • Even if you reside in a shared accommodation, there isn't a reason to worry, as Qbera offers instant personal loans even to those staying in shared accommodations.  
  • Loan amounts offered by Qbera range from Rs. 50,000 to Rs. 25,00,000. 
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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