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Emergency Loan Online

Get emergency loans within 24-48 hours
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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%.

Emergency Loan Online

Qbera offers emergency loans online to salaried individuals with a minimum income of Rs. 20,000 per month. Applicants with a minimum credit score of 600 are eligible to apply for an urgent cash loan from Qbera. Let's look at some features of Qbera's emergency loan

Features of the emergency loan online from Qbera

Here are some features of emergency cash loans from Qbera:

Instant Loan Approval and Super-fast disbursal

When you apply for a personal loan from Qbera, you will receive instant loan approval if your credit score is acceptable (in line with Qbera's internal credit policy) and other aspects of your credit profile are satisfactory. Note that Qbera has lenient eligibility parameters, much unlike private banks that require individuals to have a minimum income of Rs. 20,000 and a credit score of at least 700 to qualify. 

Emergency Loans Online for individuals employed in uncategorized institutions

If your company is unlisted or uncategorized, you can still be eligible for an instant personal loan from Qbera. Private Banks and traditional lenders do not offer loans to employees of unlisted companies - such applications face immediate rejection. However, in order to be eligible, an applicant should submit his/her bank statements and payslips for the last 3 months. 

Personal finance options for persons staying in shared accommodations

If you're staying in a shared accommodation, you can be eligible for personal finance from Qbera. Again on this front, applicants staying in shared flats or paying guest accommodations often face rejection from top banks. Qbera, however, does not reject applications merely on the basis of type of residence. 

Robust customer service

Qbera's customer service executives are available all 7 days a week to address your queries and concerns. You can contact Qbera's customer support through phone, e-mail or whatsapp. 

Documents required for an emergency loan online from Qbera

  • Aadhaar Card
  • PAN
  • Proof of Income documents
  • Cheques (4 nos. from your salary account)
  • Photographs
  • Bank statements for the last 3 months

A quick look at the eligibility criteria for personal finance from Qbera

  • You should be at least 23 years old and not older than 55. 
  • You should have a minimum income of Rs. 20,000 per month. 
  • Your credit score should be at least 600. 
  • Your credit profile shouldn't contain instances of defaults over 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?
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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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