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Get an Instant Loan through these simple steps

Your loan amount will be disbursed within 24-48 hours!
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%.

Get an Instant Loan through these simple steps

get instant loanTo get an instant loan, it is imperative to have a clear knowledge about how loans are granted and the document requirements as well. Instant loans are personal loans that are granted to an applicant without any collaterals.

These instant loans are truly digital, with the provision of completing the entire process online with minimal documentation.

Apply for an instant loan through these very simple steps

  • Every initiative starts with an idea and a thought. So, the first part is undoubtedly the assessment of the requirement. Assess your requirements minutely and decide at an amount that will be enough to meet the need. Qbera offers loans ranging from Rs.50,000 to Rs.25,00,000 and so is able to cater to your every need.
  • Having arrived at an amount needed, the next question is the interest rate applicable and the tenure in which it will be repaid. Use an EMI calculation tool to calculate the monthly EMIs and check if it can be managed. Qbera personal loans interest rate starts at 11.99% and the loan tenure ranges from 6 months to 60 months.
  • After approval, the internal verification process starts. This includes submission of some documents like bank statements and salary slips. The good part is that you can submit them online. 

Documents required for an instant loan from Qbera

  • Aadhar card
  • PAN card
  • Salary Slips
  • Address proof
  • Photographs
  • Cheque leaves 

After successfully completing the internal verification, you can expect the amount in your bank account within 24-48 hours. Qbera is continually making personal loans a quick, easy and online solution to monetary shortfalls.

With Qbera, you need not visit any branch offices, fill up forms or provide unlimited copies of your documents. It has simplified and fast-tracked the process to get instant loans.

Before you apply, check for the financial institution’s eligibility criteria. Different banks and Fintechs have different criteria regarding job, tenure, age etc. Carefully look at these before applying. Qbera looks for the following criteria:

  • Salaried individual
  • Min take-home salary of Rs 20,000
  • Age group of 23-55 years
  • CIBIL score of 575 and above
  • No payment defaults in the last 2 years

Once the groundwork is done, you can log on to the website www.qbera.com and apply for an instant personal loan. A few personal, financial and employment information needs to be provided after which the loan approval is known within 2 mins.

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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