An instant loan in Kolkata from Qbera can be your best solution if you're looking for urgent access to funds. Qbera offers instant personal loans to salaried individuals with a minimum net monthly income of Rs. 18,000. Loan amounts range from Rs. 1,00,000 to Rs. 25,00,000. Qbera uses risk-based pricing to determine the interest rate on applications. Currently, interest rates range from 10.99% p.a. to 30% p.a.
Personal loans in Kolata for individuals with sub-prime credit scores: If you have to be eligible for an instant personal loan from Qbera, you should have a minimum credit score of 600. Most top banks that offer loans to self-employed and salaried individuals require applicants to have a minimum credit score of 750. However, instances of defaults shouldn't have occurred in the last 12 months.
Individuals with mid-income levels are eligible too: If you look at this feature comparatively by pitching the eligibility set by top private banks and Qbera, mid-level income groups find it quite difficult to get a personal loan, as most top banks demand a minimum monthly income of above Rs. 30,000. Qbera, however, requires applicants to meet a minimum income level of just Rs. 18,000/month, much lower than the level demanded by top private banks.
Same day loan approval: When you apply for an instant loan in Kolkata from Qbera, you are certain to receive instant approval if your profile meets the internal credit norms. If you submit your documents on the very same day, you will receive final approval and a customized loan offer on the very same day. Once you accept your customized loan offer, you will receive your loan amount within 24 hours post that. Note that approval will depend on a bunch of parameters including your credit score, repayment behavior, current levels of debt, employment stability and your age.
Loans for employees of uncategorized companies: f you are working with an employer/company that isn't listed in the database of a lender, you might face rejection - this is a case common in the case of top private banks, as they usually refrain from offering personal loans to employees of uncategorized or unlisted companies. Qbera, however, does not reject applicants on this basis and offers quick loans in Kolkata to employees if unlisted companies as well.
Digital application: The application process is almost completely digital, and all your documents can be submitted online. An executive will visit you to collect only the physical copies of your KYC documents. You will also be required to provide Cheque leaves from your salary account (5 nos.) and your photograph (passport sized).
Robust customer support: Qbera boasts a robust customer service network - current and potential borrowers can reach support executives through phone, e-mail or whatsapp.
||11.99% to 35.99%
|| 1% to 5% of total loan amount
||₹1,00,000 to ₹15,00,000
||12 to 60 months
"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 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"