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Instant Cash Loan in 1 Hour

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Loan amounts range from Rs.50,000 to Rs.25,00,000. APR ranges from 10.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Instant Cash Loan in 1 Hour

Instant cash loans, also called instant personal loans, are loans that are approved digitally and disbursed to your registered bank account in a matter of a few hours. If you’re looking for an instant cash loan in 1 hour, well, you’re at the right place. As a matter of fact, you don’t necessarily have to wait 1 hour to get your cash loan approved – you will receive instant approval based on your credit profile and repayment patterns.

Note that the instant personal loan 1 hour is an unsecured loan, not requiring any collateral to be submitted to Qbera

Know more about Qbera’s instant loans

Are Instant cash loans in 1 hour a possibility?

For starters, yes. They definitely are, but only if you choose the right lender for your instant cash loan. There are many lenders in the market that provide cash loans (personal loans) to individuals with varied income levels. While most lenders provide these types of loans to salaried individuals, some lenders offer instant cash loans to self-employed individuals as well (this usually occurs on a case-to-case basis).

Choosing a lender for your instant cash loan in 1 hour

As already mentioned, top banks that offer personal loans take 1 week or more to disburse the loan to your account, mostly owing to several diligence checks that need to be performed. New-age lenders like Qbera that come under the category of Fintech companies, provide these loans in a matter of hours.

If you ask how this is possible, Qbera uses its proprietary credit risk algorithm to instantly evaluate credit profiles and generate approvals on a real-time basis. Moreover, documents and other application details are verified digitally, making instant cash loans an absolute reality! So if you’re still wondering how to get an instant cash loan in 1 hour, Qbera is where you need to apply for one!

Features of Instant Cash Personal Loans

Let’s look at some notable features that have made instant cash loans in 1 hour a reality:

Complete digital processing

Instant cash loans have become quite a reality because of the dimensional shift in the process they’ve adopted. Right from applying for the loan till the time the loan is disbursed, the entire application process can be completed online.

Technically, there are no physical document checks (where you have to sign on a series of loan documents) – document verifications are done digitally. Note that while such is the case, physical verification may sometimes be necessary if the applicant’s credit profile isn’t up to standards. This, however, does not happen in the case of all applicants.

It’s completely alright if your employer is unlisted

Top banks and private lenders offer loans only to employers that are listed – banks would’ve done a background check on the employer/organization/company to evaluate the risk quotient. Market reputation is also another parameter that is evaluated while listing employers or organizations.

That said, if your employer is not a listed company, you can be sure of facing rejection (immediate rejection) if you apply for a loan from a top private lender.

Instant cash loans on the other hand, offered by Fintech companies like Qbera, do not reject your loan application just because your employer isn’t listed.

Loans for low credit scores

You can expect to get an instant personal loan in 1 hour even if your credit score is low. Qbera offers loans to salaried individuals even with a low credit score of 600. So if you’ve had a few instances of late payments in the past, that wouldn’t necessarily jeopardize your chances of getting your loan application approved. Note that if your credit score is very low, physical verification might become necessary if you wish to get your instant cash loan in 1 hour.

Low monthly income is also fine

Qbera offers instant cash loans to individuals with a low monthly income of just Rs. 20,000 p.m. This is unlike traditional lenders that require applicants to have a minimum monthly income of at least Rs. 30,000. So if your income is above Rs. 20,000, you have a decent credit outlook, no defaults over the last 24 months and don’t have too many monthly credit liabilities, you can get your instant cash loan in 1 hour.

Flexible tenure options

You might definitely be wondering about tenure options when you decide to take an instant cash loan. Just like how tenures work in the case of traditional lenders, instant cash loans also have tenures ranging from 12 months to 60 months. So depending on your repayment capacity, you can pick a tenure that best suits your financial commitments.

Eligibility for instant cash loans with Qbera

If you want to get your instant cash loan in 1 hour, you should meet the following eligibility criteria:

  • The minimum age to qualify for an instant cash loan with Qbera is 23 years.
  • Your minimum income should be Rs. 20,000 p.m.
  • You should have a minimum credit score of 600.
  • Information provided in your documents should be authentic and consistent.
  • You shouldn’t have had instances of defaults in the last 24 months.

Documents for an instant personal loan in 1 hour

  • PAN Card
  • Aadhaar Card
  • Proof of address
  • Bank statements for the last 6-months
  • Latest salary slips.
  • Photographs (passport size)


1. If my application is rejected, how soon can I re-apply?

A. If your application is rejected in case it doesn’t meet Qbera’s eligibility parameters, you can re-apply again after 3 months. 

2. What if my credit score is above 600 but I’ve had 2-3 cases of defaults over the last 24-months?

A. Qbera expects that your credit profile does not have instances of default over the last 24-months. So if you’ve had any, other parameters will be evaluated and your loan will be approved only if it meets Qbera’s internal standards. 

3. What are the tenure options that I have?

A. You can choose a tenure starting from 12 months, stretching up to 60 months, depending on your loan amount, income and repayment capacity. 



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.
  • You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai, Hyderabad, Jaipur, Ahmedabad or Kolkata.
  • 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)
Pradeep

Pradeep

"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."

Shekhar

Shekhar

"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...

Syed

Syed

"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."

Anish

Anish

"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"

Arun

Arun

"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"

Bhaskar

Bhaskar

"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"

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QBERA

We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.50,000 to Rs.25,00,000. APR ranges from 10.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
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E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 89719 28484
Address:
1st Floor, Wolfpack Workspaces,
#39, 8th Main Road,
Vasanth Nagar.
Bangalore 560 052

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