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How to get a personal loan instantly

Get instant online personal loans
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 a personal loan instantly

A Personal loan is the perfect answer for any kind of financial emergency. Even if there is no emergency, if you have a financial deficit which cannot be managed by your monthly paycheck alone, you can opt for a personal loan. With Qbera, you can get a personal loan instantly, with minimal paperwork.

The process of how to get a personal loan is quite simple. When you apply, however, make sure you're aware of all fees and charges that are involved. Personal loans usually come with tenures ranging from 6 months to 60 months - you can choose a tenure of your choice by factoring in your monthly repayments and other monthly budget aspects. 

  • Do a thorough groundwork in regard to the amount needed: Taking a loan, just because you can, is not the ideal way. You need to assess the requirement and also how to repay the amount taken. To opt for a personal loan- you also need to study the institutions offering the same and check for one that best fits your requirements.
  • Check for deals with various organizations like banks, NBFCs and the new entrants Fintechs: While earlier the organization to provide a loan was the bank or a private lender, the playfield has diversified now with the arrival of Fintechs. Banks early were wary to give out collateral-free loans and so secured loans were preferred. But with Fintechs like Qbera in the market, banks too have competitive personal loans to offer. Fintechs have however turned the table with advances risk calculation algorithms and instant disbursals. 
  • Analyze the application procedure: After zeroing in on the best organization for your need, check out their application procedure. Banks do require the physical documents and your presence at the branch. If you are short of time, always opt for Fintechs like Qbera as their application is completely digitized. The application form, document submission and its verification followed by loan approval and disbursal, all of these can be done online.
  • Apply for the loan: The last step in how to get a personal loan is to actually apply for the same. With Qbera, just log in to their website from the comfort of your home and click on the “apply now” button. There is a series of fields that need to be filled. Once that is done you can know your eligibility within a matter of minutes. This is followed by document submission and verification of the same. There are some physical documents to be submitted and they can be handed over to the executive from Qbera.

Advantages of a personal loan-

  • Do not require collaterals
  • Easy to apply
  • Quick approvals
  • Minimal documentation
  • Multipurpose

Documents required for a personal loan

  • Aadhaar Card
  • PAN Card
  • Cheque leaves from your salary account
  • Photographs
  • Bank statements and salary slips for the last 3 months

Eligibility criteria for a personal loan from Qbera

  • Salaried individual
  • A minimum net salary of Rs.20,000/- monthly
  • Age between 23 and 55 years
  • A minimum CIBIL score of 575
  • No payment defaults in the last 24 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: [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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