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Immediate Cash Loans in India

Get Immediate Cash Loans Online
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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 Loans in India

Q. What Is An Immediate Cash Loan in India? 

A. An immediate cash loan is an unsecured financing option that can be availed without pledging any collateral. The tenure of this loan will range from 1 year to 6 years and at Qbera, the interest rate starts from 11.99% p.a.

Q. Can I Get An Immediate Cash Loan Despite Having Other Existing Loans? 

A. Yes, you can get an immediate cash loan despite having existing loans. However, you will only qualify for the offer when you made timely repayments on your previous loan without any instance of default over the last 24 months.


Q. Is The Processing Fee On Immediate Cash Loans Refundable?

A. No, the processing fee on your immediate cash loan in India is non-refundable. At Qbera, we charge a one-time processing fee ranging from 1% to 5%. This percentage is calculated on your loan amount. So, if you applied for a loan worth Rs 1 lakh, the processing fee will be Rs 1,000.


Q. Can I Close My Loan Before the Completion Of Its Tenure?

A. At Qbera, we allow foreclosure of loans after you’ve paid monthly instalments for at least one year. You will, however, need to pay a one-time prepayment charge. This charge will be mentioned in your loan terms. 

Q. Can I Take an Immediate Cash Loan For a Vacation?

A. An immediate cash loan is a multi-purpose loan. That means, you aren’t limited to a specific purpose/expense when you avail this financing option. You can use your immediate cash loan to cover your flight ticket expenses, hotel costs, and any other additional expenses you might incur during the vacation.


Q. Are Immediate Cash Loans Better Than Secured Financing Options?

A. Yes, an immediate cash loan is certainly better than secured financing options like home, car, business or student loan. This is primarily because unlike secured loans, immediate cash loans do not require any collateral. This way, your assets are not at stake when you fail to repay your dues.


Q. Who Can Get an Immediate Cash Loan?

A. Any Indian citizen under the age group of 23 to 57 years can apply for an immediate cash loan. Their monthly salary should be at least Rs 20,000 and they should have a minimum credit score of 600.


Q. What Is the APR for an Immediate Cash Loan?

A. APR refers to an annual percentage rate and it indicates the total cost of getting the loan. Some components of the APR are the interest rate, prepayment fee, part payment fee, the processing fee, and other additional charges. 

Q. Why Do You Need My Salary Statements to Process the Loan?

A. Qbera asks for your salary statements to check whether you’re indeed a salaried professional with a minimum monthly income of Rs 20,000.

Qbera offers immediate cash loans in India to individuals who are salaried. Currently, Qbera offers immediate cash loans to individuals residing in either of these Indian cities: Bangalore, Chennai, Hyderabad, Pune, Mumbai, Delhi, Gurgaon, Jaipur and Ahmedabad. Interest rates on immediate personal loans offered by Qbera start from 11.99% p.a. and can stretch up to 24% p.a. The interest rate offered on Qbera's immediate cash loan is dependent on an individual's credit history, credit score, current monthly credit obligations, age, employment stability etc. The same is true for the loan amount offered. 

If you wish to apply for an immediate cash loan in India, also known as an instant cash loan in 1 hour, you can go online and apply for it on the Qbera website. You can also calculate your loan eligibility (the maximum amount you can borrow from Qbera) by using Qbera's online EMI calculator. All you've got to do is adjust the sliders appropriately by choosing your income level and current monthly obligations - you'll immediately know the amount you are currently eligible.

Getting an Immediate Cash Loan in India from Qbera 

When you apply for an immediate personal loan from Qbera by filling out your application details that include your KYC details, immediate information is received from the bureau on your credit profile through Qbera's proprietary risked based algorithm. If your credit profile meets the internal credit norms adopted y Qbera, you will receive instant approval on your loan application. In case your profile doesn't meet Qbera's eligibility parameters, you will be notified almost instantly that you do not qualify for a personal loan from Qbera. Let's take a look at the eligibility parameters for an immediate cash loan in India from Qbera. 

  • You should be a salaried individual and at least 23 years old. 
  • You should no instances of EMI bounces for the last 3 months on your existing loans. 
  • You should have no instances of defaults in the last 12 months. 
  • The information you've provided in your documents should be consistent and accurate.
  • You shouldn't be over 55 years of age.  

Some awesome things about Qbera's immediate cash loans in India

  • You can qualify for an immediate online loan form Qbera even with a credit score as low as 575. 
  • Even if you're income isn't that high, you can be eligible for a personal loan from Qbera. You can qualify for a Qbera immediate loan with a minimum net monthly income of Rs. 20,000. 
  • While banks will reject your loan application if you live in a shared accommodation, Qbera doesn't do that. Individuals living in shared accommodations such as Paying Guest accommodations can very well qualify for a personal loan from Qbera. 
  • Is your employed uncategorized or unlisted and you've got your application rejected because of this? Well, guess what? Qbera offers private personal loans to individuals employed in unlisted companies as well.

Apply for your immediate cash loan in India from Qbera and get your loan amount within 48 hours. 

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?
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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
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MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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