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Personal Loans made simple!

Find the loan that's perfect for you!
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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%.

Easy Loan in Mumbai

Qbera offers super-fast, easy loans in Mumbai to salaried individuals with a minimum net monthly income of Rs. 18,000. Apply today and get instant approval, post which your loan will be disbursed within 24 hours!

The financial capital of India is home to a huge number of young households. The need for money to manage sudden fiscal deficits can be easily managed with an easy loan in Mumbai from Qbera. Being a Fintech, Qbera puts into practice the best of technology to bring you superfast loans in a short turnaround period. The processing is so fast that after verifications the amount is deposited directly to your bank account in 24-48 hours’ time.

Easy personal loans in Mumbai come armed with easy ROI s and long repayment tenure that spans up to 5 years. So, for immediate requirements, you can avail the same and pay off gradually in a systematic manner.

Easy Loan in Mumbai - Difference between Qbera and traditional banks:

Traditional Banks

CIBIL score of 600

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

Late payments attract heavy penalty

Paperless loans

Paperwork involved

Features of the easy loan in Mumbai from Qbera

Low-income groups: The low-income groups who face many difficulties in getting a loan can easily get a loan from Qbera. Qbera considers applications of those with a monthly take-home salary of Rs. 18,000 per month. 

Low CIBIL score:  The low credit score is another hurdle that leads to loan rejections. However, Qbera’s lending decision is not solely dependent on CIBIL scores and so they do give loans for marginally low scores as well.

Digital experience: Qbera offers an unparalleled digital experience. The entire process of applying for an unsecured loan including the submission of necessary documents can be done online. There is absolutely no requirement to physically visit a branch. 

Quick disbursal: The best practices of technology and financial sectors are put to good use. The verifications are done online, and the lending decisions too are taken instantly. The risk calculation algorithm is put to good use and the amount is disbursed at the earliest.

Economical Interest rate: The interest rate starting at 10.99% is quite competitive and one of the best rates available in the industry. This directly means that the total payout of a loan is kept at a minimum and is affordable.

Factors that impact the credit score while applying for an Easy Loan in Mumbai 

  • Payment history which includes all past payment lists that include defaults and late payments. This has a huge impact on a credit score and is also a red flag for many lenders.

  • It is considered good if you have diverse credit types. The presence of both secured and unsecured loans is preferred and shows your credit management skills.

  • Credit inquiries made by lending institutions are also known as ‘hard-pulls’. Many such inquiries are thought to be signs of credit-hungry behavior and again deterrents for lending institutions.

  • The level of debt usage made by you also has an impact, the closer you are towards the maximum allowed limit, lower the score. This again shows how you manage your credit.

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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