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Know how to get a loan online with these simple steps

Get instant loan approval within seconds!
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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%.

Know how to get a loan online with these simple steps

Banks, NBFC s and Fintechs are the answer to the question - How to get a loan online! The modern world is all about technology. The technological advancements have ensured that any situation can be handled from the comfort of our home. Personal loans have joined the list too. Banks earlier required your presence in the bank with all documents. But now, the situation has changed immensely with the advent of Fintechs like Qbera. The entire process of applying for a loan, document submission, and verification can be done online.

How to get a loan online - Follow these easy steps to get yours in 24 hours

  1. Visit the website www.qbera.com and click on the “Apply Now” option available on the site, or the “Apply” option for salaried individuals.
  2. Fill out your personal and professional details in the application form, after you’ve picked your loan amount and the purpose of your loan.
  3. Documents to be submitted include your income, residence and identity documents. The bank statements can be uploaded online using your netbanking credentials.
  4. Using the proprietary Credit Scoring Algorithm Qbera determines the loan eligibility in real-time. The advanced algorithm uses information about you, to determine your future potential and help get the best rate instantly.
  5. A customized loan offer is made by Qbera after reviewing the credit profile.
  6. An executive visits you to collect hard copies of documents such as Aadhar card and PAN card.
  7. Once you accept the loan offer which will quote a sanctioned loan amount, the amount is disbursed to the bank account in 24-48 hours.

Many a time, an applicant who is staying in shared accommodation or who has a low income is rejected. This can be attributed to the fact that personal loans are unsecured loans and there is no collateral attached. Banks therefore critically examine loan applications and the eligibility criteria are extremely strict. So, in such situations, the applicants keep looking to get a loan online. Fintechs in comparison are quite lenient and applicants do not necessarily have to meet stringent eligibility parameters in order to qualify.

Eligibility to apply for a personal loan online

  • Qbera allows application for online personal loans if you have a minimum credit score of 600.
  • The minimum monthly income to be eligible is Rs. 20,000.
  • The minimum loan amount offered is Rs. 50,000 and the maximum loan amount is Rs. 25 Lakhs.
  • Qbera offers easy personal loans to employees of over 7 Lakh companies in India. This drastically increases the approval probability.
  • The minimum age to apply is 23 years. The maximum age is 55 years.
  • As a Qbera customer, you can choose a loan tenure ranging from 6 months to 60 months.

These loans are very versatile, they can be used to finance anything from marriage, home renovation to debt consolidation and so are the ideal option when faced with fiscal deficits.

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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