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How to apply for a loan

Get immediate cash loans online
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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%.

How to apply for a loan

Personal loans, also known as cash loans and unsecured loans, are in vogue now. Since there is no restriction on the end usage of the amount it is also known as multi-purpose loan. And well we all do have a thousand ways to use the amount that comes into the account- don’t we? Although instant personal loans are like quick money, it doesn’t mean that one can throw caution to wind and use the money recklessly. Such immediate cash loans fall in the high-risk category as there are is no collateral pledged and so does carry a higher rate of interest and also defaulters are severely penalized in their credit scores as well. Let's see how to apply for a loan - it is of course, extremely simple. 

These multi-purpose loans can be used in any way that you think fit. Be it funding your dream wedding, remodeling, renovating or upgrading your home, consolidating your credit card debts or paying your hospital bills or funding your education, to simply financing your long-awaited exotic vacation, the choice is yours. So they why wait? You can go ahead and apply for a personal loan.

With traditional banking methods, the next obvious question is well- How to apply for a loan? How much time will it take and what all documents are required. Banks traditionally have many checks and conditions, so it will take about a week or so. But in this world of Instant everything’s, Fintech companies like Qbera have come up with quick personal loans. These loans are offered online and promise quick disbursals.

How to apply for a loan? 

It’s quite simple- take out your mobile phone, laptop or your desktop, and search for Qbera.com. Fill in the details and get information on your loan eligibility within minutes. The documentation and validations are all done online with minimum paperwork. After the completion of all checks, the amount is deposited directly into your bank account in 24-48 hours.

So what is the eligibility and document required?

The eligibility for a private loan are-

•             You must be a salaried individual

•             You must have a min net salary of Rs.20 000/-

•             You must be above 23 years of age and less than 55 years

•             Minimum CIBIL score of 575 and no defaults in the last 24 months

And the documents that needs to be given are:

  • Aadhaar Card
  • PAN Card
  • Proof of address
  • Salary and income documents
  • Photographs

Please do take note that the CIBIL scores plays an important role in determining the loan eligibility and the interest rate that you are offered. Which means that, with Qbera, even if the CIBIL score is marginally less, you still can get a personal loan. The rate of interest, however will differ. The company also offers you the benefit of long repayment tenure, from 6 months- 60 months. Accordingly you can choose a personal loan with an affordable rate of interest and tenure so that your monthly budget doesn’t go out of order.

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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