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Immediate Cash Loans Online from Qbera
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 a Loan Online Immediately

Immediate Loans Online from Qbera

Getting an easy loan online from Qbera is perhaps the easiest process! It can be finished in a few very easy steps. Let's take a look:

  1. Visit the official Qbera website by clicking on - https://www.qbera.com/ and click on the Apply option. Currently, you need to be salaried if you have to apply for a personal loan from Qbera. 
  2. Fill out the online form available on the Qbera website and also provide your KYC details. Qbera's proprietary risk algorithm will almost immediately determine your eligibility. If you have a decent credit outlook, you will receive instant loan approval. The minimum requirements as far as your credit score, repayment history and instances of defaults on your credit profile should be in line with Qbera's internal credit policy. 
  3. Once you fill out details, you must upload your supporting documents, which will be verified digitally, and a customized loan offer is sent to you.  An executive will visit your home or office address to collect physical copies of your KYC documents. Note that the process involves minimal paperwork, with the majority of documents including bank statements and salary slips to be submitted online. 
  4. Once you accept the loan offer from Qbera, your loan amount will be disbursed to your bank account within 24 hours!

Eligibility to get a loan online immediately

The following eligibility parameters need to be met in order to become eligible for a personal loan from Qbera:

23 years – 55 years
Minimum income
Rs. 20,000 per month
Credit Score
No defaults in the last 12 months

Things to note while taking a loan online

  • Here are some general pointers that you can note while taking a loan online:
  • You'll need to have a clean credit health - besides being no instances of defaults, there should be no EMI bounces in the last 3 months too. 
  • You shouldn't have too many sources of debt - this will impact your chances of getting your loan approved. 
  • While instances of late payments are fine, your profile shouldn't have too many consistent late payments. 
  • Making regular payments on existing loans will help keep your credit file in good health. 
  • Longer tenures have shorter repayment amounts while shorter tenures have higher monthly repayment amounts. You can take a top-up loan or pre-close your loan before the end of your loan tenure at a certain fee. 
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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