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Instant Loans Online

Qbera Quick Disbursal Loans!
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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%.

Instant Loans Online

What are Instant Loans Online?

An instant loan online is an unsecured personal loan given by financial institutions to borrowers through a digital platform which requires the least human interaction. A borrower can get an instant loan through an online application within 24 hours from Qbera.com. Features such as digital application, digital verification of documents, online EMI calculation and digital approval have made these instant loans popular among the salaried individuals looking for unsecured credit. 

Instant Loans Online @ Qbera.com

Qbera is a Bangalore based Fintech company that extends a helping hand by providing instant loans online to those individuals who earn a moderate income of Rs. 20,000 a month and are rejected by traditional lenders like private banks on criteria such as low credit score, low income or residence in a shared accommodation. 

An instant loan is mostly collateral-free. Hence, you need not put up any assets to secure the loan. You can apply for an instant loan online through Qbera.com from your desktop, laptop and also from mobile while you are sitting at home. Our loan application is completely paperless and can be completed online in less than 5 minutes.

How an Instant Loan is processed Online @ Qbera?

Let us take you through our loan process which is extremely easy to complete. Our loans are disbursed to beneficiary accounts within 24-48 hours.

1. Application

When you apply for an instant loan online at Qbera.com, we will ask you for your personal and employment details which include your personal and professional e-mail Id, your income, age etc. After you finish uploading the documents required for address and income verification, which is totally digital, we will assess your information to judge your future potential to repay the loan.

2. Underwriting 

Unlike traditional lenders, who consider a credit score as a prime factor to judge a borrower, Qbera has a different approach to assessing the creditworthiness of the borrower. The income threshold, credit-score cut-off, and employer list that we cover is that of a middle-class loan applicant who earns a fairly decent income or holds a remarkable credit rating. 

We follow our proprietary risk-based algorithm to judge the future repayment capacity of a borrower. With our constant efforts to reduce the TAT, we have provided instant loans online to a large segment of underserved individuals in the salaried segment. 

3. Alternative data sources

Apart from the credit background of a customer, we take a step further in assessing the borrower’s financial decisions. We collect data from the applicant’s social network and bank statements. These sources help us learn their spending habits, savings transactions, and other data points which provide an overview of the borrower’s creditworthiness.

4. Interest Rates

An instant loan from Qbera starts at a rate of 11.99%. As mentioned above, we collect information from the details provided by you in the application form and alternative data sources to create a customized rate for your instant loan online. Our interest rates are on par with the current market rates that range between 11.99-24% p.a. 

5. Loan Tenure

When you apply for an instant loan online, you can get access to a lot of features such as online EMI calculation, online document uploads, digital verification, and digital approval as well. Now, to get a loan tenure that suits your financial planning, you can use our EMI calculator which will help you know your loan EMI. Our loan tenure is a flexible one that ranges from 6 to 60 months. You can choose any loan length falling anywhere between 6 to 60 months depending upon your future repayment plans.

6. Fees and other charges

We take pride in the transparency that we provide to our customers while processing an instant loan online. While offering the loan, we reveal all the fees related to the administration or part/prepayment related to your loan offer. Our processing fee is a minimal one that ranges from 2-4%. However, the exact number depends on the loan amount. 

7. Quick Disbursal

An instant online loan from Qbera gets disbursed within 24-48 hours. If the customer meets our eligibility criteria and complies with us without delaying, we try to revert in the fastest possible way and provide the loan within 24 hours. 

There are certain emergencies like emergency medical treatment of a family member which requires a lump sum amount as part of the initial payment. In such situations, an instant loan from Qbera makes a great difference. Since instant loans are used for emergency situations (and also for other reasons) that need monetary assistance, our instant personal loans are also used for purposes such as financing a wedding, managing the expenses of a holiday, buying expensive gifts, or even for closing a debt. 

1. What is the main benefit of an instant online loan?

An instant loan can be availed in shortest time span, sometimes even in a day. This loan does not require any collaterals to be put up as security.

2. Do I need to submit any physical documents to get an instant loan online from Qbera?

Since the application process at Qbera is completely digital, you can directly upload the documents while filling the online form. However, you may be asked to provide few documents which are required after your loan is loan is digitally approved. 

3. What should be my minimum age to get an instant loan from Qbera?

To get an instant loan from Qbera, you must be at least 23 years old.

4. What should be my credit score to get an instant loan?

Qbera gives instant loans to those who have a credit score of as low as 600.

5. How can I repay my loan?

You can pay for your instant personal loan online through NACH mandate which allows you to get your EMIs automatically debited from your bank account via net-banking. 

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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