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Instant Online Unsecured Loan

Get Instant Personal Loans at 10.99% p.a.
Apply now!
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 Online Unsecured Loan

An Instant Online Unsecured Loan is a personal loan that comes with flexible tenures ranging from 6 months to 60 months. When you apply for an instant loan, you will receive instant approval, your documents are verified on the very same day, and you will receive your loan amount within 24 hours post final verification. If you are a salaried individual with a minimum net monthly income of Rs. 20,000, you are eligible for one with Qbera.  

Instant Online Personal Loans from Qbera

When faced with financial shortfalls, one of the best possible sources of funds is to take a personal loan. 

Quite a few lenders in the market offer feasible options ideally suited to your requirements. Other than less interest rate and long tenure few other factors such as the turnaround time and customer care services provided makes the loan process either a good or a traumatic experience.

Banks, NBFCs and Fintech companies in the lending market offer Instant online unsecured loans giving customers the power to choose a loan that perfectly fits his needs. Also, these Fintechs like Qbera promise a complete digital experience, the application process is online and involves minimal paperwork. The supporting documents like pay slips and bank statements are also submitted online through secured net banking gateways. The process is extremely simple- just take your laptop or on your desktop, search for Qbera.com, fill in the personal and employment details and the information about your loan eligibility and offer will be communicated in 2 mins. The documentation and validations are all done online with minimum paperwork. After the completion of all checks, the amount is deposited directly into your bank account in 24-48 hours.

These instant personal loans can be availed by any salaried individual between the age of 23-55. A net take-home salary of Rs.20 000 is preferredThe CIBIL score is another important criterion. Being instant online unsecured loans there are no assets pledged and so categorized in the high-risk loan category. Banks, therefore, prefer a credit score of 750 and above while processing the loan application. Qbera, however, does process applications with a score of 600, and also considers the social and economic standing of the individual. It is advisable to maintain a high CIBIL rating as this ensures better interest rates. A periodical checking of your score is prudent as any discrepancies that might bring down your score can be easily identified and rectified.

Qbera also considers applicants who work with uncategorized companies. All financial institutions have a vast database of employees employed by different prominent companies. Most banks reject the application if the applicant’s company is not present in their database. Qbera, however, offers instant online unsecured loans to employees of more than 7 lakh companies, thereby enabling more individuals to get access to financial services. Applicants staying in shared accommodations and guest houses are also considered for a Qbera loan.

Documents required for instant online unsecured loans

  • Aadhaar Card
  • PAN Card
  • Bank statements for the last 3 months
  • Salary slips for the last 3 months
  • Proof of address document
  • Cheque Leaves from your salary account
  • Photographs (passport sized)
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
  • 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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