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Loan amounts range from Rs.50,000 to Rs.25,00,000. APR ranges from 10.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Easy Loan in Delhi


Easy Loans in Delhi from Qbera come with affordable rates of interest starting from 10.99% p.a. Apply today and get your loan amount within 24-48 hours. Minimum salary required to apply for easy personal loans in Delhi from Qbera is Rs. 18,000. 

When unexpected expenses come knocking what is the best way to arrange money? Well, the answer is quite straightforward- an easy loan in Delhi from Qbera. A personal loan is your solution for all unexpected as well as planned expenses. Earlier, saving up was the only way to buy things that you require or that you dreamt of. The easy availability of credit has changed the scene and now, you can take a loan and buy your requirements and then over a period of time, repay the loan amount. This has made life much easier and simpler.

In recent times, multiple Fintech and P2P lenders have come up with the instant personal loan option in Delhi. And where banks ideally take a week or more to process the same, Fintechs have revolutionized the scene with same day loans.

Easy Loans in Delhi - Difference between Qbera and traditional banks:

Qbera
Traditional Banks

CIBIL score of 600

A minimum CIBIL score of 750

Minimum net monthly income of Rs. 18,000

Minimum net salary of Rs 30, 000 and more

No defaults in the last 12 months

No defaults in the last 12 months

Late payments a few times are allowed

Overdue payments attract heavy penalty

Paperless loans

Paperwork involved


Features of Easy Personal Loans in Delhi from Qbera

  • These are collateral-free loans and the absence of collateral makes them a slightly high-risk affair, and so the interest rate charged is a bit higher than that involved in secured loans. 

  • Qbera makes extensive use of their risk calculation algorithms that base the credit profiling on the social and economic behavior of the individual rather than just the CIBIL score. So, a marginally lower CIBIL score is accepted.

  • The multifunctional nature of this loan makes it an ideal choice when managing fiscal deficits of any kind. A Fund shortage while planning a wedding, emergency hospital bills, urgent repairs to the home or renovations, upgrading home appliances, looking for a used vehicle or consolidation of debts - all this can be managed with a quick cash loan. They can be used in non-emergency cases as well, for example- to fund a course that you have always wanted to do or to plan for an exotic vacation.

Factors that impact the credit score

The credit score of an individual is one of the most important aspects that is considered by all financial institutions. The credit agencies such as CIBIL gather your credit history from banks and other financial institutions and then assign a point system to determine your creditworthiness. The reports are usually submitted to CIBIL in a pre-determined interval, say quarterly or half-yearly.

Some factors that have an impact on the credit score are while applying for an Easy Loan in Delhi

  1. Payment history- How regular were you in making payments? Were there any overdue payments or instances where the payment was not made at all? These are the questions that account for 35% of your credit score.

  2. Credit history- for how long have you been taking out loans is another parameter that influences your credit score. The length of your credit history makes up for 15% of the weightage on your credit score. 

  3. Credit usage- How much credit has been used? Whether you are using the max possible credit, or it was in the medium or low range - these constitute another 30% of the credit score.


View a complete list of our FAQs at our help center
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.
  • You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai, Hyderabad, Jaipur, Ahmedabad or Kolkata.
  • Aadhaar Card
  • PAN Card
  • 4 Cheques from your Salary Account
  • Current Address Proof
  • Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)
Pradeep

Pradeep

"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."

Shekhar

Shekhar

"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...

Syed

Syed

"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."

Anish

Anish

"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"

Arun

Arun

"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"

Bhaskar

Bhaskar

"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?
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QBERA

We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.50,000 to Rs.25,00,000. APR ranges from 10.99% 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:
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E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 89719 28484
Address:
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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