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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%.

Instant Loan in Gurgaon

Instant Loans in Gurgaon can reach your account within 24 hours, provided you meet the required eligibility criteria. Qbera has lenient eligibility criteria, offering instant finance to individuals with a minimum net monthly income of Rs. 18,000 and a credit score of 600.

If you're looking for instant credit, it is easily the best idea to apply for an instant personal loan from Qbera, as Qbera's application process is perhaps the quickest among the multitude of lenders operating in the market.

Instant Loan in Gurgaon from Qbera - Everything that you need to know

If you're deciding to apply for an online personal loan from Qbera, here are some things that you might want to be aware of:

Approval within seconds: The majority of lenders in the market take at least 48 hours just to approve your personal loan. Qbera, however, offers instant approval to applicants who meet Qbera's relaxed internal eligibility norms.

Amount disbursed within 24 hours: After you submit your documents online, your documents will be digitally verified, after which you'll receive a customized loan offer. The customized loan offer will reflect the total sanctioned loan amount - note that the sanctioned loan amount might not always be similar to the loan amount you've applied for - multiple parameters like your income, credit health and current monthly repayments are considered before determining your eligible loan amount.

Top-class customer service: Qbera's customer service executives are available via phone, email and Whatsapp. You can reach Qbera's customer service professionals from Monday to Saturday, through any means that you find convenient.

Tips to improve your loan approval chances for instant loans in Gurgaon

Several aspects impact your approval chances for instant personal loans. Let's look at some essential pointers to keep in mind in order to improve your approval chances.

Keep your credit score high: A good credit score not only helps you get your loan application instantly approved, but also helps you to get a much lower rate of interest on your personal loan. Lenders use a certain model known as the risk-based pricing model to determine interest rates on loan applications. The risk-based pricing model

FAQs

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

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.

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.

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:

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
EMI of ₹7091 per month
Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
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.

Eligibility Criteria

Age: 21-57 years old
Net Monthly Income must be more than Rs. 18,000.
No defaults in the last 24 months.

Documents Required after Digital Approval

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)

What people are saying

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

"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

"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

"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

"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

"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.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: [email protected]
Phone: 1800 4198 121
Whatsapp:+91 95135 55475
Address:
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052