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Personal Loans made simple!

Find the loan that's perfect for you!
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%.

How to get an instant loan online?

You can get an instant loan online by approaching a Fintech or a P2P lender. Banks do not offer instant loans as such - their application process takes at least 7-8 working days. If you're looking for urgent funds, by approaching a Fintech lender, you can get your loan amount within 24-48 hours. Qbera uses an advanced risk-assessment algorithm that assesses risk in real-time and generates approval based on your overall credit health. 

Steps to apply for an instant loan online from Qbera

Applying for an instant loan online from Qbera can be completed in 5 extremely easy steps. Let's take a look:

  1. Visit the Qbera website - https://www.qbera.com/ and click on the option to "Apply". Choose the relevant option if you are salaried or self-employed. While Qbera considers applications from self-employed individuals, salaried individuals are currently preferred. 
  2. Once you click on the "Apply" option for salaried individuals, you will be directed to the application form page, where you'll have to fill out your personal and professional details. Once your KYC details are verified, Qbera's proprietary risk-assessment algorithm obtains your credit report from the Bureau within seconds and assesses your credit profile. Parameters like your credit score and repayment history are evaluated, following which you will receive instant loan approval. 
  3. You will then have to upload your documents - e-KYC and professional documents. Your banks statements for the last 3 months need to be uploaded too - this is done through a secure channel by logging in with your internet banking credentials. 
  4. An executive from Qbera will come to visit you to collect physical copies of your documents. Note that the process involves minimal documentation - showing original copies of your KYC documents and submitting photocopies (attested) of the same are all that is needed. 
  5. Once your documents are digitally verified, you will receive a customized loan offer within a few hours. You can also check the maximum loan amount you are eligible for by using the online EMI calculator. Just adjust the sliders accordingly and know how much you can borrow from Qbera. 
  6. After you've accepted the final loan offer, the loan amount will reach your registered bank account within 24 hours!

Getting an instant loan - know if you are eligible

In order to get an instant loan from Qbera, you are expected to meet Qbera's basic eligibility criteria. Let's take a look at the eligibility parameters that every applicant will have to meet in order to qualify for an instant loan from Qbera:

  • You should be at least 23 years old, and not older than 55 years. 
  • You should have a minimum credit score of 600 and a minimum net monthly income of Rs. 20,000. 
  • You should have no instances of EMI bounces over the last 3 months at least. 
  • No instances of defaults should be present in your credit profile over the last 12 months.
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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