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How to get a loan with 600 credit score

Get Instant Personal Loans from Qbera
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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 get a loan with 600 credit score

With Qbera, you can get a personal loan within 24 hours with a CIBIL score of 600. Apply today and get approval within seconds and get your customized loan offer within a few hours! You can plan all you want for the rainy day but, there is no surety that you will be able to manage everything. Sometimes we all need a helping hand in managing financial trouble and this is where personal loans from Qbera steps in as a savior.

How to get a loan with 600 CIBIL?

Banks, NBFCs, and Fintechs are providing personal loan solutions in the financial market today. Banks have loads of documentation and the requirement of the applicant to be present which is cumbersome in the busy lives that we live in. Fintechs like Qbera use technologically advanced methods for a fully digital experience.

The entire process to get a loan can be consolidated in these few steps

  • Select the ideal financial institute
  • Check the amount you are eligible to borrow by using the online EMI calculator
  • Analyze the application procedure
  • Check the documental requirements
  • Apply for the loan

Advantages of opting for a Qbera personal loan

  • Easy Application:  The application process is quite simple. Just provide your details through an online application form at Qbera.com. Upload the required documents like salary slips and bank statements to get an instant loan offer.
  • Quick approval: Approval probability is quite high, and the eligibility criteria are manageable. If you are a salaried with min take-home salary of Rs 20,000 per month and fall in the 23-55 years age bracket as well as having a decent credit score. You are eligible for the loan. the access to a large a database of more than 7 lakh employers also improves the probability immensely.
  • No Collateral: Being unsecured, there is no need for any collateral or guarantor. So, even if you do not own any legal property to pledge, you can still take a loan.
  • Manageable interest rate and long repayment tenure:  These two features decide the final amount paid out when the loan is closed. So much thought has to be given to this. Qbera s interest rates start at 11.99% and they offer a long repayment tenure that ranges from 6 months to 5 years.
  • Low CIBIL accepted- Banks prefers the applicant to have a credit score of 750 and above. However, thanks to the advanced risk calculation algorithms used by Qbera, the applicant with a score of 600 and more are also considered.

You can use your personal loan for the following:

  • Marriage
  • Education and higher studies
  • Vehicle purchase
  • Consolidating existing loans
  • Home improvements

Any of the above loan requirements can be easily managed by a Qbera loan as the loan amount offered is between Rs.50,000 to Rs.25,00,000.

Documents for a personal loan from Qbera

  • Aadhaar Card
  • PAN Card
  • Proof of address
  • Salary and income documents
  • Photographs
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: [email protected]
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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