Qbera Open Nav
Simple . Fast . Secure

Fast Consumer Loans

Get Your Loan Offer in 5 Mins!
Apply now!
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%.

Fast Consumer Loans

Fast, Quick and Instant are the mantras of today’s digital world. Be it fast food or fast consumer loans, the trend favors the swift and quick versions. Nowadays, instant consumer loans are given to salaried customers and the average time taken for processing and disbursal is just 24-48 hours! If you’re wondering what consumer loans are, they are a type of personal loans and vary mostly in terms of their tenure and turnaround times. Just like personal loans, consumer loans also fall into the category of unsecured loans. In the changing economic front, Fintech companies such as Qbera have started providing fast personal loans to the salaried.

Instant consumer loans for the salaried

Earlier, applicants didn’t have access to super-quick and digital access to credit. Nowadays, however, they have access to fast online loans. Thanks to the digitized procedure in checking for personal information and credentials, the process is fast and hassle-free with minimal documentation. The digital technology has completely revolutionized the loan granting process with super-fast online loan disbursal. The average turnaround time for loan disbursal by companies such as Qbera is as less as 24-48 hours, provided the documents are in order. The access to fast online loans has changed the outlook of salaried individuals in viewing personal loans as the ideal solution for quick and easy access to credit.

The online loan process

The term online suggests that the majority of the application process can be completed online. The application form is filled online, credentials are checked online, bank statements and supporting documents are submitted online through secure channels and post verification according to internal standards of institutions like Qbera, the loan is disbursed straight to the applicant’s bank account. In recent times, fast consumer loans have changed the way salaried individuals view borrowing, and have elevated personal loans as a source of finance in case of emergencies. For emergency cash requirements like in case of sudden hospitalization or home renovation, consumer cash loans are offering customers the facility of fast cash that can be repaid from their salaries over a fixed time period.

Documents Needed and Eligibility Criterion

 The upside of personal loans by Fintech companies is that even if you have a low CIBIL score, you still have a chance; provided you meet their internal standards and have proper documents. Qbera processes loans for individuals with a CIBIL score of 600 and above. If your net take home salary is Rs. 20, 000/-per month, and your age falls in the 23-55 years category, you have a chance to avail a consumer loan from Qbera.

The mandatory documents are:

  • Aadhaar Card
  • PAN Card
  • Proof of address
  • Salary and income documents
  • Photographs
  • Cheques of your salary account

It is to be noted that all Fintech companies have their own internal standards of processing, and loans are granted based on successfully meeting those criteria.

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


Powered by InCred

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

© 2021 Qbera | All Rights Reserved