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Get a Personal Loan Within 1 day

Instant Loan approval and disbursal within 24 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 a Personal Loan Within 1 day

Get a Personal Loan

How to get a personal loan within 1 day?

While facing monetary shortfalls it is best to rely on the right financial institutions to manage the deficit. With Qbera, you can get your personal loan within 24 hours after receiving final loan approval. Your documents are processed and digitally verified on the same day and you will receive a customized loan offer in a matter of a few hours! The processing of the personal loan application is done in a jiffy thanks to the advancement in information technology. The advanced risk assessment algorithm being used by Qbera makes it possible to analyze an application form in a matter of minutes.

  1. Visit the Qbera website and click on the “Apply Now” option available on the site, or the “Apply” option for salaried individuals.
  1. Fill out your personal and professional details in the application form, after you’ve picked your loan amount and the purpose of your loan.
  2.  Documents to be submitted include your income, residence and identity documents. The bank statements can be uploaded online using your netbanking credentials.
  3. A customized loan offer is made by Qbera after reviewing the credit profile.
  4. An executive visits the applicant to collect hard copies of documents such as Aadhar card and PAN card.
  5. Once the applicant accepts the loan offer which will quote a sanctioned loan amount, the amount is disbursed to your bank account in 24-48 hours.

Personal loans are incredibly flexible which means that any kind of monetary requirements can be managed with it. It is one of the best solutions during emergencies like a hospitalization, however, that does not mean that a personal loan is not useful in a non-emergency situation. Things that cannot be managed with a regular paycheck such as an exotic vacation or home renovation or consolidation of existing debt can be easily managed.

Eligibility criteria for personal loans from Qbera

  • The applicant should be salaried
  • The applicant must have a minimum net salary of Rs 20,000
  • The applicant must be above 23 years and less than 55 years of age
  • A minimum CIBIL score of 575 with no defaults in the past 24 months.

With a huge database of more than 7 lakh employers across India, Qbera caters to the personal loan requirements of many with quick lending decisions and fast disbursal of loans. The manageable interest rate starting from 11.99% and long repayment tenure of up to 5 years ensures that the personal loan EMI does not eat a major chunk of the monthly budget. To get a personal loan is quite easy in the new market economy especially with the presence of Fintechs like Qbera.

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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