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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 Loan Urgently

There are only so many things one can do when he needs loan urgently. Maybe the first source is your loved ones and family, then the banks and finally any private lenders. But in urgent situations, it is not uncommon that family is unable to secure the amount. Banks have stringent procedures and paperwork that makes them unfit in case of urgent need. Private lenders do give money instantly but may ask for assets and charge exorbitant interest rates as well. Fintech companies have made life easier when urgent personal loan is required.

Fintech companies like Qbera use advanced algorithms to calculate risks along with the CIBIL score and gives out unsecured personal loans to salaried individual. These personal loans are instant, which means that the whole turnaround period is 24-48 hours provided the documents and verifications are in order. When you need loan urgently, you can keep all required documents handy and then check your eligibility with Fintech companies.

So, what are the basic eligibility criteria for  an urgent cash loan:

The applicant must be salaried-

There is no collateral that is pledged with a fintech company. They give you the loan with the idea that you will be repaying it from your salary. So, they do consider your employment tenure and the income to loan ratio. It is advisable to maintain this ratio as 40% which means that there is no strain on your income.

The applicant must have a minimum monthly net salary of Rs 20,000-

This is again to ensure your repayment capacity. In all cities, with the raising living standards, even the income has gone up. However, if you are still in a lower pay scale of Rs 20 000 per month, Qbera does offer you a personal loan.

The applicant must 23-55 years of age

Applicants in this age group are better equipped to make proper use of the long tenure provided. Qbera for example, offers you a repayment tenure that spans from 6 months to 60 months.

The applicant must have a CIBIL score of 575

Banks and NBFCs consider a score of 750 and above while giving out loans. There are numerous factors that affects this score and so Fintech companies using their advanced algorithms provide loans for customers with sub-prime credit scores as well. 

Although the whole procedure is online, there are few documents that must be submitted. These are-

  • Aadhar Card
  • PAN card
  • Proof of Identity and address
  • Salary slips and bank statements
  • photographs

The two most loved features of an instant personal loan are that there is absolute flexibility in using the funds and the fact that assets do not have to be pledged. You can avail the personal loan to pay medical bills, for home renovations, paying for holiday, travel, marriage or education. Any financial shortfall or need can be managed with an urgent personal loan. So when you need loan urgently you can just keep the documents hands and check for the eligibility online.

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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