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Easy Paperless Loan

No Collateral Required
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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 Paperless Loan

Easy Paperless Loans are loans that you can get within 24-48 hours after receiving approval. The application process is paperless and involves negligible paperwork - it isn't like how it used to be when personal loan applications involved extensive paperwork and took several days for processing and disbursal. All documents required for loan processing can be submitted online. If you're looking for an easy personal loan, you can get one from Qbera if your minimum monthly income is Rs. 18,000 and your credit score is at least 600. 

Benefits of Easy Paperless Loans from Qbera

Applying for an easy loan from Qbera comes with a host of benefits. Let's take a look:

Online application process

You can start and complete the entire process online. All you've got to do is fill out your professional and personal details in the online application form, and upload your documents online. You'll have to upload your bank statements online as well. Bank statements can be uploaded online through a completely secure web channel by using your netbanking details. 

Instant online approval on easy personal loans

You will receive instant loan approval if you meet all the eligibility parameters spelled out by Qbera. With your KYC details, your credit report is instantly obtained from the bureau and evaluated in accordance with Qbera's internal credit norms through an advanced risk-assessment algorithm. Once you receive approval, you can go ahead and upload your bank statements. Note that the initial approval isn't the final approval - the final approval is generated after your documents are verified and an executive visits you to verify your KYC documents. 

Same day loan disbursal

After your documents are digitally verified, you'll receive final loan approval and a customized loan offer after all aspects of your profile are evaluated. The loan offer might not contain the exact amount you've applied for - your approved amount will depend on a string of aspects including your monthly income, monthly repayment obligations, credit profile etc. Once you accept the final loan offer, your amount will be disbursed within 24 hours. 

Flexible tenure options

You can choose a tenure from 12 months to 60 months depending on your repayment convenience. Longer tenures attract lower monthly repayment amounts while shorter tenures attract higher monthly repayment amounts. If your loan amount is high, you can always pick a longer loan tenure to reduce your monthly repayment amounts and maybe then pre-close your loan at a certain charge that is usually about 2% of your outstanding balance. 

Wide choice of loan amounts

Qbera offers easy personal loans from Rs. 1,00,000 to Rs. 25,00,000. You can choose to borrow an amount within this range but as mentioned earlier, your approved loan amount will depend on a bunch of relevant parameters. 

Eligibility for Easy Personal Loans from Qbera

  • You should be a salaried individual with a minimum net monthly income of Rs. 18,000. 
  • Your credit score should be 600 or above. 
  • You should be at least 23 years old and not over 55 years. 
  • Your credit profile shouldn't contain any instance of default for the last 12 months.

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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