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Easy Personal Loans

Qbera Private Loan Online.
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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 Loans

What are Easy Loans?

Easy Loans, or East Personal Loans, as the name aptly suggests, are loans that involve minimal paperwork, quick turnaround times, and can be applied for through the most convenient internet channels – through web or mobile platforms. 

Easy Loans are also called digital loans in several references.  They've risen in popularity in recent times and have evidently dominated the lending landscape in the current age. They mostly pertain to unsecured personal loans – home loans and car loans aren’t necessarily classified under easy loans or easy personal loans.  

Citing current trends, the demand for these types of loans definitely doesn’t seem to be dropping, with lenders offering these type of loans actively seeking to dislodge traditional lenders. As such, many lenders, especially state-run PSBs, have become obsolete in the personal loan landscape. 

Qbera is a leading fintech company that offers easy personal loans to salaried individuals. Qbera covers employees of almost 7 lakh companies in India, offering them easy loans for a variety of purposes. 

Why choose an easy personal loan from Qbera?

The reasons for choosing an easy personal loan aren’t unknown. While we’ve already touched upon the essential features of easy loans in brief, let us look at what makes these loans special. 

  • The application process is extremely simple and can be competed online.

  • Loans for salaried individuals with fairly low-income levels of Rs. 20,000 can qualify for the loan.

  • Having a not-so-good credit score can also enable you to become eligible for the loan, as long as there are no instances of defaults in the last 24-months. 

  • Easy loans offered by Qbera have very less turnaround time and can reach beneficiary accounts in as less as 24 to 48 hours. 

  • Relevant documents that have to be submitted for the loan application can be uploaded online. 

  • No physical verification of address or identity will take place – the whole process is carried out digitally. 

  • While traditional lenders require your employer to be listed by them (traditional lenders do a credit/stability check to assess your employer’s financial and business health), Qbera will offer you a loan even if your application has been rejected solely because your employer isn’t a listed company/institution. 

  • Even if you’ve faced multiple rejections in the recent past, your loan application will be approved, subject to meeting simple eligibility parameters. 

  • Qbera also takes into account details of your social profile while evaluating your application. 

  • While traditional lenders require you to have a certain minimum number of years of work experience (minimum of 2 in most cases), an easy loan from Qbera doesn’t necessarily require you to have a minimum period of work experience. 

  • Interest rates for easy personal loans by Qbera start at 11.99% and are influenced by your income, credit health, age, employment, etc. 

Eligibility Criteria for Easy Personal Loans

Know the eligibility for easy personal loans:

  • You should be aged at least 23. 

  • Your credit score should be 625 (V2 score, minimum). 

  • Documents submitted by you must contain authentic information. 

  • Instances of default shouldn’t have occurred over the last 24 months. 

  • You must be a salaried individual.

Documents to be submitted for an easy loan with Qbera

  • Proof of identity (PAN, Aadhaar, Driving License, Voter ID, Passport).

  • Proof of residence (Aadhaar, Voter ID, DL, Passport).

  • Salary slips for the last 3 months.

  • Bank statement for the last 6-month period.

Steps to be followed in applying for an easy personal loan with Qbera

  • Login to www.qbera.com and choose your personal loan amount. 

  • Enter your basic details and get a personalised quote. Note that you can check your monthly repayment amount against your requested loan amount by using the EMI calculator

  • Choose a purpose – you can choose from several available options. 

  • Enter your details as required by corresponding information fields. 

  • Upload your bank statements by providing your netbanking credentials. Upload other relevant and required documents as well. 

  • Get the amount disbursed to your account within 24-48 hours. 

Cities where Qbera provides personal unsecured loans to salaried individuals

  • Delhi/NCR

  • Bangalore

  • Pune

  • Chennai

  • Mumbai

  • Hyderabad

  • Ahmedabad

  • Jaipur

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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