Within the personal loan umbrella, Qbera offers personal loans for marriage, which can be availed by those looking to meet marriage expenses of either their own or a loved one’s wedding. Weddings, even the simplest ones can be extremely expensive. The unexpected expenses can really add up to quite an amount before you know it. You have to think of everything and make sure that everything is ready and up to the standards, because after all, weddings are family affairs. You don’t want anyone to be let down or anything to be lacking on the big day do you? It is with this in mind that taking out a personal loan for your marriage makes sense.
In order to meet all the expenses, you may find that you are forced to ask for a hand-out from friends or relatives. However, if you are not a fan of mixing money matters with friends and relatives, then you may want to go for a loan instead to cover the expenses. We at Qbera offer wedding loans at unbelievable rates and minimal formalities so that you do not have to look elsewhere when it comes to financing your wedding.
You are eligible for an instant loan from Qbera if:
You are employed and earning a minimum income of ₹20,000 p.m.
You are between 23 and 55 years.
You have a minimum credit score of 600.
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 rates for a Qbera Marriage Loan range from 11.99% p.a. to 24% p.a.
The exact interest rate and other terms of your loan will depend on the history of past repayments, work experience, credit score, profession and age.
Getting a loan via Qbera is as easy as buying a t-shirt; it’s a simple five step process:
Log on to Qbera.com and fill out the online application form. This should take you 5 minutes.
Provide your bank statements (for the last 6 months) by providing your Netbanking credentials through a highly secure web channel. You can also alternatively e-mail your bank statements.
You will receive a customized loan offer in 4 hours.
Once your loan is approved after submission and verification of your documents, the amount will reach you in less than 24 hours.
Collateral-free personal loan
An unsecured personal loan from Qbera does not require you to pledge any asset as collateral.
You don't need to visit a bank to submit your documents, neither do you have to meet with a bank executive to submit your documents. The entire process, right from applying for the loan to submitting your documents, can be completed online.
Flexible tenure options
Qbera offers flexible tenure options on its personal loans. As a potential customer, you can pick any tenure from 1 year to 5 years. Longer the tenure, more the interest paid, lesser the rate and lower the EMIs. For shorter tenures, it's the other way round.
Amazing turnaround time
Once you complete your application, submit your documents and get an approval from Qbera, the loan amount will be disbursed to your bank account within 2 hours.
Qbera ensures that all fees and charges are made clear to you when you apply for a loan. No hidden fees or charges are levied.
Excellent customer service
Qbera offers excellent customer service, right from the time you apply for the loan until the time you close your loan. Customer service representatives are available on weekdays and weekends. You can reach out to our customer service representatives, on Whatsapp, through email, and through the toll-free number.
We ensure confidentiality
You can be sure of the fact that your data, when you apply for a marriage loan with Qbera, is safe and secure. Qbera does not share your personal information with anyone.
A low credit score is fine
We allow you to apply for a loan even if your credit score is less - the minimum credit score to apply for a Qbera Wedding Loan is 600.
1. What is the tenure of a personal loan from Qbera?
The loan tenure at Qbera is a flexible one and it ranges from 1 to 5 years (12 to 60 months).
2. What is an EMI?
It is the fixed amount that a borrower pays to the lender on a particular date every month. An EMI includes the principal and interest charged on a loan.
3. What is the minimum and maximum loan amount that I can get from Qbera?
The loan amount ranges between Rs. 25,000 to Rs. 10 Lacs.
4. What is unique about Qbera?
Our technology and lending partnership allow us to offer a world-class experience to our borrowers:
Our CIBIL score cut-off is 625 and we can give loans to employees of more than 9 lac companies in India. Now you don’t have to get rejected by banks just because they have not analyzed and categorized your employer.
5. What should be my age to apply for a loan with Qbera?
You must be at least 23 years old to apply for a loan.
6. What should be my minimum salary to get a loan?
Your net monthly income must be Rs. 20,000 or more.
7. What should be my CIBIL score cut-off for a personal loan?
Our CIBIL score cut-off is 625 (V2 score).
8. What is the rate of interest charged on a personal loan?
Rate of interest depends on a borrower’s income, CIBIL score, employer, age etc. Qbera collects information from your application form and various other data sources to create a personalized loan offer for you. Our interest rates start at 11.99%.
9. What is the eligibility criteria to get a loan from Qbera?
To get a loan from Qbera, a borrower should meet the following eligibility criteria:
10. How do I apply for a loan online?
To apply for a loan online, click here. For queries, please Whatsapp us on +91 89719 28484.
11. What are the documents required to get a loan from Qbera?
The following documents would be required after your loan is digitally approved:
12. What is the processing fee charged on a personal loan by Qbera?
The processing fee ranges between 2% - 4%.
13. How can I repay my loan?
Qbera provides easy repayment of its smart loans through automatic debit of EMIs via NACH mandate.
14. Why was my loan application rejected at Qbera?
Although we have one of the best approval rates in the industry, we may have to reject some applications if they do not meet our basic qualification criteria. You can re-apply after 3 months in case you think that your credit profile has improved.
15. Can I re-apply for a loan?
Qbera requires you to wait for at least 3 months before re-applying for a personal loan.
16. How much time does Qbera take to process a loan application?
It will not take more than 10 minutes to fill up your online application form. Our technology allows us to disburse the approved loan amount within 24-48 hours.
17. Is part/prepayment allowed on my personal loan?
We do not allow part-payments. However, you can prepay your loan after completing 1 year of repayment. (Foreclosure charges: 5% + GST applicable).
18. Do I need to submit any collateral to get a personal loan from Qbera?
All personal loans offered by Qbera are unsecured. Hence, you need not submit any assets or property to secure a loan.
||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"
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