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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 Personal Loan in Bangalore

Personal loans are the easiest and most comfortable source of money when dealing with monetary deficits. Bangalore being an IT hub attracts a lot of residents from various parts of the country. This has led to rapid growth in all the aspects of the city. The increased residential complexes and shopping malls and not to forget the technology parks with a vast number of companies has drastically changed the ways of Bangalore. There is a rise in inflation and a requirement to finance the new lifestyle of the tech-savvy population here. Banks and NBFCs especially Fintech companies are actively operating in the lending arena and giving out easy personal loans in Bangalore to bridge any financial gaps.

Easy personal loan in Bangalore is the perfect solution for urgent cash requirements. The instant personal loan from Qbera boasts of fast disbursal, completely digital process which is easy and hassle-free. Qbera informs an applicant about loan eligibility and offers in 2 mins. The documentation and validations are all done online with minimum paperwork. After the completion of all checks, the amount is deposited directly into your bank account in 24-48 hours.

The minimum eligibility requirement for a Qbera easy personal loan in Bangalore are:

  • The applicant must be salaried and be in a position to repay the amount prudently. There are no collateral or guarantor attached to a personal loan and so the employment history of the applicant is quite important.
  • The applicant must have a minimum take-home salary of Rs 18,000 and a comfortable income to debt ratio of 20-40%. The low-income group often faces a big problem while looking for credit. Typically, banks follow their strict protocols and do not entertain such applicants.
  • The age of the applicant is another important point to consider. To avail maximum benefit of the long repayment tenure provided by Fintech companies, the age group of 23-55 years is preferred.
  • The CIBIL score gives an insight into the individuals credibility and so a score of 750 and more is preferred. Fintechs do acknowledge that it is not the only deciding factor and places importance on social and economic standing along with the score. They, therefore, do consider a score of 600.

The interest rate charged by a fintech company for a personal loan is quite economical when compared to credit cards. Most personal loans offered has an interest rate that starts at 10.99% and the maximum is 35%. Be sure to negotiate the interest rate offered to a more comfortable one if you possess high CIBIL score.

Qbera personal loan is completely processed online and that includes the submission of documents. However, a handful of documents needs to be presented and that includes Aadhar card, PAN card, photographs and post-dated cheques from the salary account.

Personal loans are highly flexible. It can be used to fund your marriage or education, to undertake urgent repairs or renovations in your home or simply to plan an exotic vacation. The amount can also be used to pay for emergency medical bills or to consolidate various existing debts.

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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