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Need a Personal Loan?

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%.

Need a Personal Loan?

The need for a personal loan arises when we are short of funds to finance the unforeseen instances in our lives. It is very important to understand how and whom to approach when we need a personal loan instantly. Instant loans are available through banks, NBFCs, P2P lenders, and widely through Fintech companies since the past one year. 

The reason why people have started taking unsecured loans to meet their financial needs is their instant availability and quick disbursals. The development of technology in financial services has enabled quickly emerging Fintech lenders to help out the salaried segment of the country who need a personal loan in the shortest possible time. 

Qbera is one such Fintech lender that aims at serving those people who genuinely need a personal loan but have faced rejections by other conventional lenders on certain criteria such as low income, credit score etc.

Why do you need a personal loan?

A personal loan is the most instant and smart way to get funds from financial institutions when you run out of cash and need funds for certain situations. These situations can be any of these:

  • Wedding in a few months

  • Holiday with your family

  • Home renovation

  • Expensive gifts for your loved ones

  • Closing a debt

  • purchasing a second-hand vehicle 

Easy EMI calculation

The first thing we must know when we need a personal loan is the EMI. Calculate your EMI in few minutes with our online EMI calculator and do a better planning of your future finances. The EMI will also help you decide the loan amount and the loan tenure based on your repayment capacity. 

Easy repayments

A Personal loan from Qbera.com can be paid back through easy EMIs. When you need a loan you must realize that it needs to be paid back within the loan tenure on a monthly basis. Qbera allows its customers to get the EMIs automatically debited from their bank account, so that repayments aren’t missed. 

Flexible loan tenure

When you know your EMI, you can get a rough idea whether you would be able to pay those EMIs in a specific loan tenure or not. Qbera allows you to choose from a flexible loan period that ranges from 6 to 60 months. In case you believe that your salary is not sufficient for the EMI amount, you can go for lower EMIs and extend the loan tenure for a maximum of up to 60 months.

Attractive Interest rates

Why most of the people want a personal loan when it comes to unsecured credit is because of the attractive interest rates. At Qbera you can get a personal loan at an interest rate ranging from 11.99-24% p.a. As compared to credit cards, personal loans are way cheaper deal. The annual rate of interest on a travel credit card is around 35-40% p.a. 

Why use Qbera’s EMI calculator when you need a personal loan?

Our EMI calculator is easy to use and gives instant information regarding your customized loan offer. Based on the EMI you can decide the final loan amount. Let us take a look at the benefits of an online EMI calculator.

Accuracy: Since the online EMI calculator does not require any manual calculations, the EMI obtained is accurate and error-free. 

Speedy calculation: When we calculate an EMI using a pen and a paper, it takes time and may contain mistakes. But an EMI derived using our EMI calculator will be fast and accurate. 

Customized EMI: When you need a personal loan, you also need an EMI that suits your repayment capacity. When you finalize the loan amount, go to our online EMI calculator and adjust the sliders of “your income” and “current EMIs” to get an EMI that is based on your specific loan amount. 

Qbera offers a complete digital application of your personal loan. When you need a personal loan, you can directly go to Qbera.com because our decision-making time to offer a loan is very less. You can experience one of the fastest loan disbursals and other benefits such as digital verification of your income and residence, online approval, and all this, even if you have a low credit score of 600. Apply Now for an Instant Personal Loan from Qbera!

1. Why should I apply through Qbera when I need a personal loan?

Qbera offers one of the best features when it comes to personal loans. You can get fastest loan disbursals and easy EMI calculations. Our loan processing is completely paperless, includes digital verification of your income and residence, and we provide digital approval in few hours of the application as well. 

2. Is there any minimum amount that I can borrow as a personal loan?

Yes, Qbera allows you to borrow a loan amount that starts from Rs. 25,000, and can go up to Rs. 10 Lacs.

3. What should be my income if I need a personal loan from Qbera?

Qbera provides personal loans to those who earn at least Rs. 20,000 a month. 

4. What should be my age to get a loan?

You must be at least 23 years old but not more than 55 years old.

5. Can I prepay my personal loan?

Yes, Qbera allows you to prepay your loan after you complete 1 year of repayment. (Foreclosure charges: 5% + GST applicable).

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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