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Online Loan - Apply with Qbera

Get Instant Approval on Online Loans
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%.

Online Loan - Apply with Qbera

Looking for an online loan? Apply for online loans with Qbera and get immediate loan approval. Qbera offers instant online personal loans to salaried individuals with a minimum net monthly income of Rs. 18,000! These loans from Qbera do not require any form of collateral. As an applicant, you can choose flexible repayment tenures and pick a loan amount from a wide range of available loan amounts. 

Online Loans in India

There are many lenders that offer online loans in India starting from banks and other traditional lending institutions to present day lenders including Fintech companies and P2P lending startups. These lenders offer online personal loans at varied interest rates. Ideally, interest rates start from 10.99% p.a. and go up to 25% p.a. or more. Qbera is a popular Fintech startup that offers instant loans to salaried individuals. Qbera accepts applications from self-employed individuals as well. 

Features of Online Loans in India from Qbera

  • You can be eligible for an online loan even with a low credit score of 600. 
  • You can pick a flexible repayment tenure. Choosing a longer tenure will reduce your monthly repayment amounts, but more interest is accumulated on the loan as your tenure progresses. If your loan amount is over 6x times your monthly income, it is ideal to choose a longer loan tenure and pre-close your loan - Qbera gives you the provision to pre-close your loan. 
  • If you reside in a shared accommodation, you'd still be eligible for personal finance from Qbera. Traditional lenders usually reject individuals who stay in shared flats or paying guest accommodations. 
  • Qbera offers unsecured finance to individuals employed in unlisted companies. So if your company is uncategorized and you've just been rejected by a lender you recently applied with, don't worry! Qbera has a loan for you. 
  • Qbera's customer service representatives are available to address your queries on both weekdays and weekends. You can reach Qebra's support staff through e-mail, telephone, or WhatsApp.

Eligibility Criteria

  • You must be an Indian citizen, salaried, and should draw a minimum net monthly income of Rs. 18,000 per month. 
  • Your credit score must be at least 600 for you to be eligible. 
  • The information contained in your documents need to be accurate and consistent. 
  • There should be no payment defaults in your credit report for the last 12 months and no EMI bounces for the last 3 months at least. Multiple instances of consistent late-payments can also jeopardize your chances of getting a personal loan from Qbera. 
  • You must be a resident of any of the following cities: Bangalore, Mumbai, Pune, Chennai, Hyderabad, Jaipur, Ahmedabad, New Delhi. 

Documents Required for Online Loans - Apply with Qbera

  • Aadhaar Card
  • PAN Card
  • Cheque Leaves from your salary account
  • Photographs (Passport sized)
  • Payslips and bank statements for the last 3 months - can be submitted online.

Tips to keep your credit score high

  • Make regular payments on loans or credit cards.
  • Avoid payment defaults at any cost.
  • Don't apply for loans with multiple lenders at a time. 
  • Avoid having too many credit accounts.
  • Maintain healthy savings in your account.


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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