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Personal Loans made simple!

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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 Pune

Get an easy loan in Pune from Qbera if you have a minimum net monthly income of Rs. 18,000 and a minimum credit score of 600. With an easy personal loan from Qbera, you can manage any situation that requires urgent funds. After receiving final loan approval, you can receive your loan amount within 24 hours. 

The budding metropolitan of Pune is home to many multinationals as well. There is a vibrant community of young people here as there are many good institutions and universities here. The presence of the IT sector has contributed to the development of the area as well. For an easy loan in Pune, one can approach Qbera. 

There are many monetary needs that can arise when one seeks to settle in an upcoming city and it is not always prudent to depend on one’s family for all financial needs. Personal loans from Qbera that do not require any kind of collateral or guarantor is the key to finance any such need. Varied monetary requirements can be easily managed with an easy loan in Pune.

Interest on Easy Loans in Pune from Qbera

The interest rates start from 10.99% p.a. and go up tp 35% p.a. The interest offered on a loan depends on several parameters including an individual's credit score, repayment history, income, and employment stability. Qbera uses risk-based pricing to determine interest rates on loan applications. This means that if your credit health is impressive, you are certain to be offered a low-interest rate on your application. 

Easy Loans in Pune - Difference between Qbera and traditional banks

Private 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

Late payments attract heavy penalty

Paperless loans

Paperwork involved

Features of an Easy Loan in Pune from Qbera

  • An easy loan in Pune from Qbera does not require any kind of collateral. There is no asset at stake or a need for a guarantor as the loan is approved based on the applicant’s salary.

  • The CIBIL score helps lenders form an insight into borrower’s credibility. Those with scores lesser than 750 face immense difficulty in securing a loan. Qbera, however, does consider such applications and considers a score of 600 for personal loans. However, individuals applying with Qbera are required to be salaried with a minimum net monthly income of Rs. 18,000. 

  • The highly competitive interest rate starting at 10.99% is one the best in the industry that ensures that you do not shell out obscene amounts at the end of the loan term.

  • The long repayment tenure spanning 5 years helps maintain nominal monthly balance so that the EMIs do not disrupt the family budget 

  • An easy loan is Pune is also highly flexible. It can be used for any kinds of payments, home renovation, planning a vacation, consolidating debts etc.

How to choose an ideal loan tenure for Easy Personal Loans?

Selecting a loan tenure is a major aspect when deciding on a personal loan. A long repayment tenure means that the monthly repayments will be less when compared to a short loan tenure. So essentially, it is based on what kind of income you get and how much you amount you can manage as EMI without severely disturbing your monthly budget.

It is therefore advisable to consider the following points:

  • What is your income and the household budget?

  • How much debt has to be paid out on a monthly basis – both secured and unsecured?

  • Are there any future gains that can be ideally utilized?

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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