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Personal Loans made simple!

Find the loan that's perfect for you!
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%.

Immediate Unsecured Loan

For immediate unsecured loans, choose Qbera personal loans that are easy to apply and have minimal documents. Personal loans are the best solution for unexpected monetary emergencies. Although we try to save up for any kind of eventualities, life always does manage to throw curve balls. When the requirement is immediate, looking to banks and NBFCs do not help much as their documentation takes much time, instead, you can opt for Fintechs like Qbera.

Immediate Unsecured Personal Loans from Qbera

When you opt for an immediate unsecured loan, you do not require to pledge any kind of asset. This lets you avail this loan without having the guilt of having pawned or liquidated your asset in face of an emergency. This emergency can be anything from an urgent hospital stay that has landed you with a big bill to pay or a home repair work undertaken that has spiraled out of your budget. It is very normal for any kind of restoration or renovation to cost more than the expected. If you are thinking about how to manage the various cyclic credit card debts that you have landed yourself in, an unsecured loan can be your savior. Well, it doesn’t have to all dark and twisted to avail a personal loan; if you are falling short of funds to manage your marriage expenses or your educational certificate, you can opt for it. You can also go ahead and plan an exotic and rejuvenating holiday with an easy unsecured loan.

The terms and conditions differ from organization to organization and it's advisable to check the requirements of each organization before applying.

Eligibility for Immediate Unsecured Loans from Qbera

  • Salaried individual
  • Minimum salary of Rs 18,000
  • Age group of 23-55 years
  • A minimum CIBIL score of 600
  • No payment defaults in the past 2 years

Once, you meet the requirements, you can apply by filling an online application form at www.qbera.com. Certain parameters that include personal and employment details are used to approve or reject the application. Once the internal qualifying norms are met and the application is approved, the applicant can submit supporting documents like bank statements and pay slips online.

There are a few physical documents like Aadhar card, PAN card, Salary slips and income statements, bank statements, photographs and post-dated cheques from the salary account that has to be submitted. For this, an executive from Qbera will visit your home or workplace to collect the documents. After a final round of verification, the approved loan amount which is further accepted by you is disbursed into your bank account within 24-48 hours.

The advantages of choosing Qbera for immediate unsecured loans

  • Digital application and processing

  • An economical rate of interest starting at 10.99%

  • Long repayment tenure spanning 5 years

  • Low-income group accepted

  • Low-CIBIL score accepted

  • Flexible usage of funds

  • No collateral required

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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