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Fast Personal Loans

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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 Personal Loans

Are you looking for fast personal loans that you can get within 24-48 hours? You’re at the right place!

What are fast loans?

The reason they’re called fast loans is because they reach your bank account within a day or two, unlike traditional personal loans that take over a week to be disbursed. Technically, fast personal loans mostly become relevant in the midst of a financial emergency.

Emergencies aren’t always the best of occurrences. They come uninvited and unannounced, and with varying intensities of course. Financial emergencies are perhaps the most infuriating and stressful, for the require you to cough up a good portion of your savings, while also forcing you to look out for sources where you can arrange for immediate funds. It is during such a moment that an emergency loan can be of great help to you

Fast loans for an emergency – emergency loans

Fast personal loans that can be used for an emergency financial situation, are primarily unsecured personal loans – unsecured because they don’t require you to submit any form of collateral. These loans can be used to tide over financial emergencies or medical emergencies that require the urgent need of funds. Certain aspects make these type of loans more preferred than traditional personal loans offered by reputed banks and financial institutions. Let’s see what makes emergency loans

How can you get a fast personal loan?

As mentioned earlier, fast personal loans aren’t offered by private banks and state-run banks. Only new-gen lenders like Fintechs offer fast personal loans currently. Fintechs, in most cases, have tie-ups with banks or NBFCs, and offer loans to underserved individuals. The point here is that underserved individuals make up for a major percentage of potential customers. Moreover, in order to reach out to more customers, Fintechs have adjusted their loan offerings and adopted processes that ensure extremely speedy loan processing and application. 

Fintechs let you apply either through web or mobile platforms, enabling an interface where the entire loan application process can be completed online. There isn’t the necessity of physical document collections and physical verification of details. 

Let’s take a look at some essential features of smart personal loans. These very features have made smart personal loans perhaps the more preferred lenders in the current day, outmaneuvering top private and government-run banks – this is true in the unsecured loan space. 

Features and benefits of fast personal loans

Here are the notable features that have made fast personal loans expand their presence in the market:

Extremely quick loan processing and disbursal

Earlier, if you wanted to apply for a loan, say even about 7-10 years back, most banks didn’t even have the provision of letting you apply for your loan online. You’d have had to visit a bank branch and evince your interest in applying for a loan. Quite recently, maybe about 3-4 years ago, banks – especially the top private banks – started letting you evince interest in applying for a loan online, through web or mobile platforms by logging in with your netbanking credentials. 

Fast personal loans, a reality in the case of Fintechs, are more of a recent phenomenon. Quite undoubtedly, they’ve come to dominate the market, and have even replaced traditional lenders in market share. This is true only in the case of personal loans considering that personal loans are much smaller in quantum, and do not involve too many legal aspects as they don’t involve assets (car loans and home loans involve assets, legal aspects therefore automatically slip in the picture). 

In the present day, you can expect to get a fast personal loan within the span of one day, thanks to the massive advancement in the process. 

Affordable interest rates on fast loans

Traditional lenders have always been known to offer low-interest rates on personal loans. If you look at personal loans by the most popular lenders (top private banks mostly), their interest rates are more or less the same and are lower than rates offered by NBFCs and Fintechs. 

While evidence definitely suggests so, the interest rates on fast personal loans offered by Fintechs are also low and affordable – maybe only a tad bit higher than rates offered by private banks. 

Qbera, for instance, offers interest rates starting at 11.99% but can go up to 24% p.a. If you wish to know on what basis the interest on your personal loan application is determined, it is dependent on your credit score, credit history (which also forms a part of your credit score), and your income. 

Online application process for fast loans

The loan application process for fast personal loans can be completed online. So you don’t have to expect to meet with an executive who will come collect your documents and make you sign on numerous loan-related documents. 

Fast Personal Loans for people with low credit scores

Fast personal loans do not require you to have a very high credit score in order to qualify for the loan. A credit score of 600 is sufficient for a fast personal loan with Qbera. While that’s a positive, you shouldn’t have had instances of defaults in the last 24 months. 

Fast Personal Loans for low-income individuals

Fast loans are specifically designed for low-income individuals – well, that doesn’t mean that you can’t apply for a loan if your income is high. The minimum and maximum loan amounts that Qbera offers are Rs. 25,000 and Rs. 10 Lakhs. The minimum income to be eligible for a Qbera fast personal loan is Rs. 20,000 p.m. 

Top-quality customer service

Once you apply for a loan with Qbera, you will receive supreme quality customer service, unlike the unresponsive customer service of top banks. You can reach Qbera either through a toll-free number, through Whatsapp, or through email. 

1. How long will it take for my personal loan to reach my registered bank account?

A. It only takes 24 hours to receive your loan amount post receiving your loan offer. 

2. What if I have instances of defaults? Will I face rejection even if my income is good?

A. Even if your income is fairly good and you have no current financial commitments, Qbera expects you to have a clean credit profile that doesn't include loan defaults, for a minimum period of 24 months. 

3. What is the minimum monthly income that I should have to become eligible for a Qbera personal loan?

A. The minimum income to be eligible for a Qbera personal loan is Rs. 20,000 p.m.

4. What are the minimum and maximum loan amounts that Qbera offers?

A. Qbera offers fast personal loans with a minimum loan amount of Rs. 25,000 and a maximum loan amount of Rs. 10 Lakhs. 

5. Will a Qbera representative come to collect my loan documents?

A. No, Qbera has adopted a superior loan process wherein all documents can be submitted online, with verification checks also carried out online. 

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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