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₹157,74,33,000 of Loans Disbursed!

Personal Loans made simple!

Find the loan that's perfect for you!
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 Easy Loan

An immediate easy loan for urgent requirements is the way to be. One shouldn’t be expected to wait too long or go through stacks of paperwork or procedures when in urgent financial need. With an immediate loan from Qbera, the process is not just immediate, it is easy as well. The entire process of application submission, documentation, verification and the loan disbursal can be done within 24-48 hours. The process is also completely digital with just a handful of physical documents needed.

Immediate Easy Loans in India from Qbera

There are many small households urban cities that ensure a steady demand for instant and easy personal loan. Personal loans do not require collaterals and so eliminates the need to pledge any kind of asset with the lender. For new and small households this is a blessing as they mostly do not possess that kind of assets. These immediate easy loans are classified under unsecured loans and are considered high-risk, that also contributes to the high-interest rate associated with it.

Benefits of Immediate Loans from Qbera

Let's look at some benefits of Qbera's immediate easy loans:

  • You can apply for a loan even with a low credit score. Credit scores help assess the credibility of a borrower and in case of personal loans that are unsecured, banks do not accept an applicant with a score lesser than 750. However, Qbera does process applications with just a credit score of 600. This is because they place much emphasis on the social and economic leanings of an individual and their advanced risk calculation algorithms as well. 
  • You can apply for online loans with low-income levels. As a salaried person is expected to repay the same from their salary, higher monthly incomes are preferred. But Qbera does process applications of o individuals with a minimum monthly salary of Rs. 18,000. 
  • You can apply for an online loan through the paperless route where you do not have to produce any documents, you can just mail it or submit it through online secure portals. Your documents, once submitted, will be verified, following which you will be made a customized loan offer. 
  • You can choose an economical interest rate. With rates starting at 10.99%, it is possible to manage your finances. Interest rate decides the amount that is finally paid out at the end of the loan tenure and so a lesser interest rate means lesser payouts. Also, if you have a good to excellent credit score, you can negotiate on the interest rate offered to you.
  • You can choose loan tenures ranging from 6 months to 60 months, depending on your repayment capacity. This also lets you manage your monthly payouts wisely so as not to burden your monthly budget.
  • You can apply for personal loans even if your employer is unlisted. As the risk calculation is not entirely based on your employer. However, if your employer is part of the vast database comprising of more than 7 lakh companies, it can be looked like an additional advantage.

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
  • 4 Cheques from your Salary Account
  • Current Address Proof
  • Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)


"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?
Select your employment type to proceed.


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 99160 88896
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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