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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%.

Digital Loan in Bangalore

A digital loan is a loan that you can get online, with the lender giving you the provision of completing the entire loan application online. Digital Loans from Qbera in Bangalore are now a reality - apply with Qbera if you have a minimum net monthly income of Rs. 18,000 and a minimum credit score of just 600. 

Digital Personal Loans in Bangalore

If you are looking for instant credit with a completely online loan application process, Qbera has a unique, digital loan product for you. The application process is extremely simple, and takes just under 5 minutes for applicants to complete the process - applying for a personal loan from Qbera is literally as easy as ordering for a pizza. When we look at various other lenders who are present in today's market, Qbera stands out for a lot of reasons. Let's look at some differences between Qbera and traditional lending institutions. These differences elucidate why Qbera is easily your best choice for a digital loan in Bangalore. 

Getting a Digital Loan in India - Difference between traditional lenders and Qbera

Traditional Banks

CIBIL score

Minimum CIBIL score of 600

Minimum CIBIL score of 700 (750 in the case of some banks)


Minimum Income of Rs. 18,000

Minimum income ranges from Rs. 30,000 - Rs. 50,000+


Minimal paperwork required (only Cheque leaves, Aadhaar Card and PAN Card)

Extensive paperwork involved in some cases

Late payments

A few instances of late payments are permitted

Eligibility norms are more rigid, late payments can lead to rejections

Steps to get a Digital Loan in Bangalore from Qbera

The steps involved to get a digital loan from Qbera are extremely simple. Here are some important points that you can take note of:

- When you apply for a digital loan in Bangalore from Qbera, you'll have to fill out your personal and professional information, after which your credit profile is evaluated against Qbera's risk assessment algorithm. The comprehensive risk-evaluation algorithm looks at various aspects of your credit profile and not just your credit score or repayment history. 

- The details of your credit profile are obtained by using your PAN and Aadhaar numbers. After your profile is evaluated against Qbera's internal eligibility norms, you will receive instant approval or rejection. If your credit score is at least 600 (it doesn't matter if your CIBIL score is low) and your income is at least Rs. 18,000 (net monthly income), and your profile doesn't have too many instances of late payments in recent months, prepare to receive instant approval. 

- You can then go ahead and upload your salary/income documents and your bank statements. Soon after, Qbera's self-proprietary algorithm again look at your income, current monthly debt obligations, and a number of debt sources, and accordingly generate a sanctioned amount. Note that the sanctioned amount may not always be in line with the amount you've requested for - as mentioned already, various aspects are evaluated before determining your sanctioned loan amount. 

- Your documents will then be verified, following which an executive will collect Cheque Leaves from your salary account and copies of your Aadhaar and PAN cards (absolutely minimal documentation). 

- You will then receive a customized loan offer from Qbera, and once you accept the offer, your loan amount will be disbursed within 24 hours. 

Why Choose Qbera for a Digital Personal Loan in Bangalore?

Here is why Qbera will be your ideal choice if you're looking for an instant loan in Bangalore:

  • Amount credited to your bank account within 24 hours. 
  • Loans for low CIBIL scores and individuals with low-to-medium income levels. 
  • Loans for individuals employed with unlisted or uncategorized companies. 
  • Loans for individuals residing in shared accommodations.
  • Minimal documentation. 
  • Digital document verification
  • Robust customer service

What are some other cities where Qbera offers Digital Loans?

  1. Mumbai
  2. Pune
  3. Hyderabad
  4. Chennai
  5. Delhi
  6. Ahmedabad
  7. Jaipur
  8. Kolkata
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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