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One Day Approval Loan

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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%.

One Day Approval Personal Loan

What are one-day approval loans?

One-day approval loans are loans that are approved and disbursed within a one-day time window. One-day approval personal loans have become extremely popular in the current day, with several Fintech companies offering one-day approval loans to salaried individuals in India. One day approval loans also go by the name of same day loans or same day personal loans. 

If you’re looking for an instant loan that you can get within a one-day time window, Qbera is where you should apply for one from. Qbera’s one-day approval loans come with a host of benefits, with the most prominent of benefits being loan disbursals on the same day. As such, if you apply for a personal loan from Qbera, you will receive instant approval based on your credit profile, courtesy Qbera’s proprietary risk assessment algorithm that assesses the real-time risk of a consumer’s credit profile and generates instant approval on the basis of the same. 

As such, the loan approval does not take one whole day – you will receive instant approval, and once your documents are verified, you will receive a final approval on the very same day post verification of details you’ve provided. 

Let’s find out more about Qbera’s one-day approval loans and look at some interesting benefits that can be enjoyed. 

Benefits of Qbera’s one-day personal loans

Let’s take a look at some prominent benefits of Qbera’s one-day approval loans:

One-day approval personal loans for low-income individuals

If you’re looking for an instant loan, choosing Qbera’s one-day approval loan is the best choice if you are drawing low income. Qbera’s one-day approval loans are offered to individuals with a monthly income of Rs. 20,000 (minimum). 

One-day approval loans for individuals with bad credit

Even if your credit score is just 600, Qbera will offer you a personal loan with an approval time span of just one day. Instances of defaults, however, can hurt your approval chances. Ideally, you shouldn’t have instances of defaults at least for the last 24 months before applying for a one-day approval loan from Qbera. 

Choice of loan tenure

You can choose a loan tenure from 6 months to 60 months depending on your repayment capacity. Longer the tenure, more the interest paid, and shorter the tenure, lesser the interest paid. So if you’re looking for less monthly installment amounts, opting for a longer tenure makes sense.

Digital loan processing

After you’ve provided your details and uploaded your documents online, Qbera will evaluate your credit profile and digitally verify your supporting documents. The digital verification process for your one-day approval loan will be done within a few hours, following which you will receive a customised loan offer. 

Excellent customer support

Qbera, once your loan is approved, till you’ve closed your loan, will extend unparalleled customer support. Customer service staff can be directly contacted through telephone, email or through Whatsapp, on both weekends and weekdays. 

Interest rate on one-day approval loans by Qbera

The interest rate on your one-day approval loan will depend solely on your credit profile. Interest rates start at 11.99% p.a. and can go up to 24% p.a. Here are some parameters that will influence the interest rate you’re offered on your loan:

Credit score

A very good credit score will almost always influence your loan interest rate. Technically, the better your credit score, the better the interest rate you’ll get on your loan (lesser the interest rate). A low credit score will most likely see you being offered an interest rate on the higher side. 

Repayment history

Note that your credit score takes into account your repayment history. While your score is certainly impacted by late payments or defaults, lending institutions will look at your repayment profile, and offer you an interest rate accordingly (your repayment history is taken into account along with other factors like your credit score and number of debt sources). 

Number of sources of debt

If you have multiple personal loan accounts and multiple credit cards, your offered rate of interest is definitely going to be high. For instance, if you wish to apply for a debt consolidation loan, the interest rate on your loan is certainly bound to be high. 

Other parameters

Some other parameters like rate negotiation and income can also be linked to being offered a better interest rate on your one-day approval personal loan application. 

How to get a one-day approval personal loan from Qbera?

  • It’s extremely simple - just follow these easy steps:

  • Login to the Qbera website and click on the relevant option to apply for a loan. 

  • Choose your loan amount and the purpose of your loan. Also, you can know your loan eligibility by using Qbera’s online EMI calculator. 

  • Enter your personal and professional details and submit your documents, including your bank statements. 

  • Once your documents are verified, you will get a customized loan offer based on parameters in your credit profile (your credit score and repayment history). 

  • After you accept the loan offer, you will receive the loan amount within 24 hours. 

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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