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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%.

Immediate Private Loan

Immediate private loans are helping households meet any financial shortfalls they face while renovating a house or buying a used car, for pursuing higher education or even for unplanned medical emergencies. Many people prefer taking a private loan to finance their high-cost purchases as well by converting them into EMIs. 

The inflation in the economy has led many young professionals to live from paycheck to paycheck without any savings. The young modern households are therefore looking at private personal loans and immediate loans from private lenders as a viable and safe solution to manage monetary shortfalls.

Immediate Private Loans in India

Private personal loans are personal loans provided by banks, NBFCs and Fintechs in the lending industry. These are collateral-free loans that do not require you to pledge any kind of asset with the lender. This also makes it be a part of the high-risk category and so has a higher rate of interest.

Banks usually take about 7 working days or more to process loans and that cannot be considered as immediate. So, when faced with an immediate requirement, approach a Fintech like Qbera where the loan processing is done in a matter of hours to make it immediate private loans.

Features of the Immediate Private Loan from Qbera

The foremost loved feature of a private loan is the absence of collateral. The fact that you are not pledging an asset or putting any as a collateral is a big relief. Most modern homes do not possess any such collateral in the first place. So, being able to secure money during a need without any asset on the line is important.

The second feature is the multifunctional nature of the loan. There is no end use specified- as long as it’s a legitimate transaction. Any kind of situation that requires money, can be dealt with the help of a personal loan. Facing fund shortage during a marriage arrangement, while pursuing higher education, while planning an exotic vacation or while renovating your home or even when facing medical emergencies- you can opt for an immediate private loan.

Another feature that is loved is the complete digital process. From start to finish, the process is done online including document submission and verification. You are not required to physically visit a branch or provide stack loads of documents. The handful that is required is collected from your doorstep.

The most important feature is the economic interest rate and the long repayment tenure offered. With an interest rate that starts at 10.99%, an average salaried person is able to afford, it becomes an ideal resort when in dire need. Also, the long repayment tenure of up to 5 years ensures that the monthly household budget continues to be manageable while paying off the loan amount.

Eligibility for immediate private loans from Qbera

  • You must be a salaried individual
  • You must have a min net salary of Rs.18 000/-
  •  You must be above 23 years of age and less than 55 years
  • A minimum CIBIL score of 600 and no defaults in the last 24 months

Documents required for Private Loan

  • Aadhaar Card

  • PAN Card

  • Proof of address 

  • Salary certificate

  • Photographs

  • Cheque leaves

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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