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Personal Loans made simple!

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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 Personal Loan Easily

If you’re struggling with your finances and see no way out of the dire situation, a personal loan might be a great option. Widely available at low interest rates, personal loans are a type of unsecured financing that doesn’t involve any collateral. The best part: you also get to choose from flexible tenures ranging from 1 to 5 years (depending on your lender). But how to get personal loan easily? Should you go by the age-old practice and approach banks? Or should you explore the terms offered by alternative lenders instead? Let’s clear the air.

Banks Vs Alternative Lenders

When it comes to getting a personal loan, most borrowers instinctively head to their nearest bank. But banks aren’t always the best choice for this kind of financing. Why? First, they have an extremely lengthy process whereby you need to visit the bank branch, get the application form, and attest the required documents. Most representatives aren’t always approachable, and the process, therefore, takes longer than usual. 

Next, most banks require plenty of documents for a personal loan application. In addition to your address proof, identity proof, and salary statements, your bank might also require bank transaction statements, KYC documents, copies of rent, electricity bill, property purchase agreements (for your owned properties), and tax receipts. Since most banks do not allow you to scan and digitally upload these documents, the process is even longer. 

Finally, when you do submit the application form and the required documents, the bank in question might take several days to review and process the application. The result: you get your desired amount much later than you had originally expected. 

Owing to the ever-growing complexity of bank loans, most people are now switching to alternative lenders like Qbera. Lending platforms like Qbera have a simpler and seamless process which further ensures that you get your desired amount within your required timeline. 

Being alternative, digital lenders, we do not require you to physically visit our offices. Instead, you can easily upload the required documents on our online application portal. The process is fully transparent, and you are duly informed of every step.

Once you’re done with the application, you can expect the amount to be credited within 24 to 72 hours. For any queries, you can always reach out to our representatives who are not just approachable but are also willing to address your specific queries. 

 How to Get a Personal Loan From Qbera?

Getting a personal loan from Qbera is extremely simple. All you need to do is check the eligibility criteria, and once you’re eligible, you can apply for the loan online! Here’s a quick round-up of the things you’ll need.

  • A copy of your Aadhaar card.

  • A copy of your Pan card.

  • Your salary statements over the last three months.

  • Your bank statements over the last three months.

  • A photograph.

  • A minimum credit score of 600.

  • A minimum monthly take-home salary of Rs 20,000.

In addition to meeting the mentioned parameters, you also need to fall under the age-bracket of 23 and 55. Finally, once you meet all the given criteria, you are eligible to apply for a personal loan on our platform.

To start your application, click ‘Apply Now’ option on our homepage (www.qbera.com), and complete the required formalities. The process is simple, and it’ll take you 10 to 15 minutes at most. 

Once you’re in the application portal, you will be asked to enter some basic details like your name, address, and current employment status. Next, you’ll be asked to furnish the mentioned documents. After you complete both the steps, our representatives will assess your application and get back to you in less than a day. 

Thanks to our proprietary credit-scoring algorithm, our application and approval process is super-smooth and seamless. Since you’re applying on our online platform, you will have complete clarity at every turn. What’s more, you can also review the status of your application as and when needed. 

If you are hesitant about the terms of the loan and want to have a complete idea on the amount you’ll shell out every month, use our EMI calculator to get an accurate figure. Either way, you will have answers to every question about the process, and the loan will be disbursed at the earliest. 

How Much Money Can I Get From a Personal Loan?

At Qbera, we offer personal loans ranging from 1 lakh to 15 lakhs. However, the final amount you’d be getting will depend on your financial habits, income level, income stability, and a variety of other factors. 

Ideally, if you meet the given parameters and have a take-home salary of Rs 20,000 per month, you will be approved for the instant personal loan right away. 

However, you can always increase your chances of approval by clearing all your existing debts, avoiding any defaults over six to eight months (at least), paying your utility bills on time, and reducing your debt to income ratio.

Once you collectively take these measures, getting an instant personal loan will be simpler. 

How To Get The Lowest Interest Rate on My Instant Personal Loan?

As with any other unsecured loan, the interest rates on the personal loan varies depending on the borrower. Yes, the lender might offer a lower interest rate if you exhibit healthy financial habits and vice versa. If you’re wondering what to do and how to start, here are some tips:

  • Reduce your credit utilization ratio. Unless you’re taking a personal loan for consolidating existing debts, it makes perfect sense to reduce your credit utilization ratio before applying for the loan. Clear the debts you’ve been ignoring and close every active line of credit that you don’t necessarily need at the moment.

  • Check your credit report. Since your credit score might also drop due to erroneous reporting, always check your report and dispute inaccuracies (if any). 

  • Do not apply to multiple lenders. Every time you apply for a loan, your credit report goes through a hard inquiry which eventually affects your credit score. So, before applying for a personal loan, figure out what you really want and only apply to a lender whose eligibility requirements meet your current financial situation

Bottom Line

Now that you know how to get personal loan easily, click the ‘Apply Now’ option on our website to get started with the process immediately!

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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