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Immediate Cash Loan

Get Immediate Cash Loans in 24 hours!
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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%.

Immediate Cash Loan

Get immediate cash loans from Qbera in super-quick time! With Qbera's paperless and digital application process, you can get your loan within 24 hours after receiving final approval. Additionally, interest rates on cash loans from Qbera come with affordable interest rates, starting from 11.99% p.a. Applying for an instant personal loan from Qbera comes with a host of benefits. Let's take a look at some prominent benefits of applying for an online personal loan from Qbera. 

Benefits of choosing Qbera for an immediate cash loan

Most people when they think of personal loans often think of approaching traditional lenders. The fact of the matter is that choosing a traditional lender won't quite get you an immediate cash loan. This implies that the word "immediate" isn't really a characteristic of loans offered by private banks or traditional lending institutions. Loans by these institutions take a minimum of 7 days to reach your bank account. So if you want a loan that you can get immediately (usually within 24 to 48 hours), approaching a Fintech lender like Qbera is quite easily your best bet. Besides the turnaround time, Fintechs have a spate of advantages in other aspects as well. Let's take a look:

An Immediate Cash Loan for those working in uncategorized companies

Qbera offers immediate cash loans to individuals working in unlisted companies. Banks don't offer personal loans to individuals employed in unlisted companies and reject applications almost immediately if an applicant is employed with a company that isn't listed in the database of the bank/lender. Qbera, however, entertains applications of individuals employed with unlisted companies as well. So if you work with a company that is uncategorized, like say, a start-up, Qbera definitely has a loan for you. 

Cash Loans for persons with less salary and low CIBIL scores

Qbera offers urgent cash loans to persons with an income of at least Rs. 20,000 per month and a minimum CIBIL score of at least 575. As for top banks, individuals who wish to apply for loans with them are required to have income levels upwards of Rs. 30,000 per month and CIBIL scores above 700, with some banks requiring individuals to have minimum CIBIL scores of over 750 to become eligible. 

Paperless loan application - minimal documentation

The loan application for cash loans from Qbera is paperless, with the provision to submit all documents online. Bank statements for the last 3 months need to be submitted online through your netbanking credentials. Salary slips for the last 3 months are also required to be submitted. An executive will visit you to collect your KYC documents, after which your documents will be verified on the very same day, and you can expect to receive your loan amount within 24 hours post that. 

No Collateral for Instant Cash Loans from Qbera

Cash loans from Qbera are unsecured and don't require customers to provide collateral for loan approval. Qbera uses a customer's social profile and other aspects including location and employment stability to determine the eligibility of loan applicants. 

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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