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Qbera Online Loans

Simple, Fast & Secure!
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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%.

Online Loans: Instant Online Personal Loans

In simple words, an Online loan is “The amount borrowed by a lender who has an ‘internet-based’ lending process”. If you are in need of an immediate personal loan and wondering how to apply for an online loan, we are here to help. FinTech companies, as we are called, eliminate the hassles involved in traditional methods of applying for an online loan in India, mainly through banks and other financial institutions. This has been made possible through the intelligent use of Technology-led practices and the power of the Internet.

Banks and other Credit Unions have been the financial partners for many in India and are still the first choice. But, this trend is slowly declining as new-age Fintech companies like Qbera are offering online loans in India at competitive interest rates, along with a host of attractive features.

What do Online loans have to offer?

Some of the features of an online loan are:

  1. Internet-based loan application and Process: No more frequent trips to your banks and no long queues. Apply for Online loans in India, at the comfort of your home or office or even while travelling, with just a few clicks.
  2. Minimum Paperwork – The world is going GREEN. And what is stopping you? Submit your Loan Application and Bank Statements Online. Most of the Financial Providers, Including Qbera, allows you to do this. 
  3. Personal loan EMI Calculators: Most companies that offer online loans in India have a Personal Loan EMI Calculator built on their website. This is a simple tool that lets you input basic information about your salary and others, and displays the EMI amount. Thus, it will help customers make well-informed decisions 
  4. Competitive Interest rates and Lower Processing charges
  5. Quick disbursal of loan amount: Once your loan is approved, the loan amount would be disbursed to your account within 24-48 hours. If you are considering an Instant loan for debt consolidation of other loans that you may have, Qbera does that for you. 
  6. Multiple channels of Communication: A transparent process and clarity in communication are two factors that engage our customers to do business with us. Our Customer Service Executives may be contacted by your suitable channel for communication like Telephone, Chat or E-mail. We are here to help you at every step of the journey with us.

Apply for an Online Personal Loan from Qbera

Things you must know before you apply for an Online Loan in India

What is the loan amount you are you eligible for? What is the EMI that you can pay comfortably, considering all the other expenses for a month? These are some of the questions that cross your mind before you apply for an online loan. Very valid questions indeed and definitely, you must take time to ask yourself these questions and get an answer from your Financier.

Here are some things you might want to know before you apply for Online Unsecured Loans in India.

  1. Your Credit Score: Credit Information Bureau or CIBIL as it is commonly known as, is a Company in India that keeps the Credit information of both individuals and Businesses and assigns a score to each, depending on the Financial transactions made by them. The scores are indicative of the individual’s creditworthiness. Although a CIBIL score of 625 (Minimum) is one of the Eligibility Criteria to get an Instant Online Loan from Qbera, it is not the sole deciding factor.
  2. Loan Amount and EMI: The Personal loan EMI Calculator helps you know your loan amount eligibility and EMI. Adjusting the figures in this Online Tool will help you to make informed decisions.
  3. Research and Compare Different Products from various FinTech companies: Understand the products and conveniences it can bring to the whole lending process before you decide. Comparison charts on interest rates, processing fee and other features can be found on the Internet.

Step-by-Step Process to Get Loan Onilne in India

  1. Research, Compare, decide: These three steps will help you decide which company you have to apply for an online personal loan from. 
  2. Log in to the company’s website, for example, Qbera, and access the Personal Loan Application Form.
  3. Use the Personal Loan EMI Calculator to determine the Loan amount and EMI.
  4. Fill out basic information, including your personal and Professional details, and submit the application online.
  5. Connect to your NetBanking and submit your bank statements online.
  6. You will be contacted within few hours and upon approval, you will receive the loan amount in your bank account, within 24-48 hours.

Find your best Financial Partner with Qbera. Apply here for instant Personal Loans with Qbera and enjoy the seamlessness of processes and system.

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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