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Online Instant Loan

Simple, Fast & Secure!
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

Get an instant loan online from Qbera if your income is at least Rs. 20,000 per month and your credit score is at least 600. When you apply for instant credit from Qbera, you can be sure to get approval within a few seconds, and the amount will be disbursed to your registered bank account within 24 hours!

Instant Personal Loans, just like the traditional unsecured product, come with flexible tenure options - you can choose from tenures stretching from 6 months to 60 months. Qbera's proprietary risk-assessment algorithm assesses your eligibility within a few seconds, and once approval is obtained, the loan amount will be right on its way and reach you within a 1-day period. 

So ideally, if you wish to get a personal loan in super-quick time, approaching the right lender is what will help you get immediate access to funds. There are many Fintech lenders in the market offering instant loans, but getting an instant cash loan in 1 hour is the real deal! 

Getting Instant Loans Online in India

If you are on the lookout for a personal loan with a quick turnaround time, to salaried individuals earning a minimum income of ₹20,000 p.m. If you wish to apply for an online instant loan with Qbera, you can be certain of the fact that the entire application process will not take you more than 5 minutes. As a matter of fact, there are few things that are as easy to do as applying for an instant loan from Qbera.  

It goes without saying that when times are tough, you want the simplest solution to your financial troubles, and this is exactly what an instant online loan from Qbera delivers. From the comfort of your home, you can fill up the online form, get approved and have the amount you need in just one day. Now that's what we call an instant loan!

We at Qbera bring to you all the experts in the field so that you get the best possible loan offer, aligned perfectly to your interests, at the best rates and the quickest turnaround time. With high working standards and top-quality service, we assure seamless service at every stage of your experience with us; from the time you've applied to when you've completed your repayment. 

Eligibility for Online Instant Loan from Qbera

You are eligible for an instant  loan from Qbera if:

  • You are employed and earning a minimum income of ₹20,000.

  • You are between 23 and 55 years of age.

  • You have a minimum credit score.

Documents to Get Instant Loan after digital approval:

  • PAN card

  • Aadhar card

  • Current Address Proof

  • Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)

  • 4 Cheques from your Salary Account 

Interest Rate for an Online Instant Loan from Qbera

  • Interest rates for Qbera Personal Loans range from 11.99% to 24%.

  • The exact terms of the loan depend on certain factors such as your ability to pay back, history of past repayments, work experience, current profession, credit score and age.

How to Apply for an Instant Loan

Getting a loan via Qbera is as easy as buying ordering a pizza; it’s a simple five-step process:

  1. Log on to Qbera.com and fill out the online application form which shouldn't take you more than 5 minutes. 

  2. Auto-submit your bank statements by providing your netbanking credentials, e-mail your bank statements to us. Note that your bank statements should reflect your salary credit. Note that submitting your bank statements through your netbanking credentials is an entirely secure process that takes place on highly-secure web channels. 

  3. Get a customized loan quote from Qbera in about 4 hours. 

  4. Note: The verification process will, for a majority of cases, be done online. But if necessary, a representative from Qbera might come and collect the physical documents from you. 

  5. Once you've submitted your documents and get an approval post that, you can expect to receive your loan amount within the next 24 hours.

Features & Benefits of Online Instant Loans from Qbera

  • Collateral isn't necessary
    An instant loan from Qbera is an unsecured personal loan and does not require you to submit any form of collateral. Meaning, you don't have to pledge any asset to obtain a Qbera Instant Personal Loan. 

  • Low Turnaround time and digital process
    The turnaround time for a Qbera Instant Loan is one of the lowest - after submission of your documents and getting approval based on your credit profile and document verification, you can expect to receive the loan amount within 24 hours. Verification of documents, identity and address is done digitally. 

  • Choice of tenure
    When you apply for an instant personal loan, you can choose a tenure of your choice, Tenures for the Qbera Instant Loan are similar to tenures for normal personal loans - they range from 12 months to 60 months (1 year to 5 years). There is also the aspect of tenure flexibility - customers can change their tenure and also pre-close their loan if they want to.  
  • Transparency in the application process
    When you apply for a Qbera Instant Loan, you will be made aware of all fees and charges upfront. No charges will be hidden from you. 

  • Supreme customer experience
    When you choose Qbera for an online instant personal loan, you can be certain of receiving the highest quality of customer service. Our customer service representatives are available between 9:30AM and 7:00PM IST on weekdays, and between 10:00AM and 1:00PM on weekends. You can also reach out support staff via Whatsapp at +91 89719 28484, via Toll-Free number at 1800-4198-121 or e-mail us at contact@qbera.com.

  • Your details are secure
    All your details are secure with us and we strictly do not share your details with anyone. 

  • A low credit score is fine
    Even if your credit score is low, you can be eligible for a Qbera Instant Loan. Qbera offers loans to people with a credit score of 600 and above. 

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
  • 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)


"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?
Select your employment type to proceed.


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 89719 28484
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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