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Instant Personal Loans

Qbera Private Loan Online.
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 Personal Loans

What are Instant Personal Loans? 

An Instant Personal Loan, as the name suggests, is an unsecured credit given by financial institutions in the form of a loan. Since these are unsecured, they do not require any collaterals to be put up to secure the loan. Qbera offers best in class instant personal loans to salaried individuals who earn a minimum salary of Rs. 20,000 a month. 

Instant Personal Loan from Qbera

Qbera offers a host of features to those who want to apply for instant personal loans to meet their instant financial needs. Enjoy unmatched benefits such as digital application, verification of documents, approval and disbursement in 24 hours. 

Instant personal loans are also referred to as quick cash loans, instant loans, and online loans. The purpose is to provide fast financial services to those in need of quick funds to make payments during any emergencies.

An instant personal loan from Qbera can also be used to finance a medical emergency in your family. However, it isn’t just limited to a medical emergency. It can be used for that grand wedding of your daughter that you plan to celebrate in the next few months or it can be used for a surprise trip to Goa with your friends. Qbera understands that financial ups and downs can arise at any point of time in our lives. But you need not worry - you can get an instant personal loan of up to Rs. 10 lakhs in just a few steps. 

Here’s why you should apply for an instant personal loan through Qbera.com

Low Credit Score? Not an issue

Apply for an instant personal loan with Qbera even if you have a credit score as low as 600. At Qbera, we use our risk-based algorithm and alternative data sources to assess the future potential of the borrower and not merely a high credit rating while giving a personal loan. We constantly try to reach out to those applicants who get rejected on unfair grounds by traditional lenders. 

Paperless Application

Are you tired of the cumbersome application of loan that requires a bundle of documents? Qbera can be of great help. Apply for an instant personal loan and complete the entire process without submission of any physical documents. Qbera allows for a completely digital application of your personal loan which includes form filling, uploading of documents, income and address verification, digital approval and loan disbursement, all in just a day!

Easy EMI Calculation

Calculate your EMI in a few minutes and get better clarity of your monthly repayment amount and loan tenure before you apply for an instant personal loan. Qbera helps you find the lowest EMI that starts at Rs. 2700 per month. Knowing your EMI before time will help you plan your finances in a better way going ahead. 

Flexible tenure

Qbera offers a flexible loan period of 6 to 60 months. When you calculate your EMI, you can get a basic idea as to whether you can afford higher EMIs or lower. Let’s say you want to finish the obligation in a short-term, you can opt for a loan period from 6 to 36 months by paying higher EMIs. However, if you want to save more on a monthly basis, you can extend the loan tenure up to 60 months and choose to pay low EMIs.

Low Interest Rates

An instant personal loan from Qbera starts at just 11.99%. Qbera offers best in market interest rates to its customers. The interest rate ranges between 11.99-24%.  

How to apply for an Instant Personal Loan from Qbera

The application of a personal loan at Qbera can be completed in the following 4 steps:

  1. Login to Qbera.com and click on ‘Apply Now’ on the top right corner of the page.

  2. Fill the online application form by giving your personal and employment details.

  3. Upload the income and address documents and get them digitally verified.

  4. Get a loan offer within few hours. 

1. What is an instant personal loan?

An instant personal loan is a financial aid that a borrower can get from financial institutions to make payments during financial emergencies. Qbera provides instant personal loans to salaried individuals earning as low as Rs. 20,000 a month.

2. Can I get an instant loan in Hyderabad?

Yes, you can get a personal loan from Qbera if you are residing in the following cities:

  • Hyderabad

  • Pune

  • Ahmedabad

  • Mumbai

  • Chennai

  • Bangalore

  • Jaipur

  • Delhi-NCR

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

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

4. What should be my minimum salary to get a personal loan?

Qbera offers instant personal loans to salaried individuals earning at least Rs. 20,000 a month.

5. What should be my CIBIL score to get an instant loan from Qbera?

You are eligible for an instant loan from Qbera if your credit score is 600.

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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