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Online Loan

Apply for online personal loans with Qbera
Get my loan offer!
It only takes 2 minutes
Loan amounts range from Rs.50,000 to Rs.25,00,000. APR ranges from 10.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Online Loan

Looking for an instant online loan? Well, Qbera certainly has one for you! And yes, at the most affordable interest rate! Apply for an online loan with Qbera and get your loan amount within 24 hours, post receiving final approval. 

More about online loans from Qbera

Features of Online Loans from Qbera

Let's take a look at some features of the online loan from Qbera:

Instant Loan Approval on Online Loans

When you apply for an online loan from Qbera, you can get instant approval based on your credit profile. Qbera's proprietary algorithm obtains information on your credit profile almost instantly and assesses the element of risk associated with your profile. Once you get instant approval from Qbera, you can go ahead and submit your supporting documents, which can be uploaded online. 

Digital and paperless loan application

The loan application process is completely digital, with the provision to complete the entire application process online. Supporting documents can also be uploaded online. Note that bank statements required to complete your loan application can be submitted by logging into a secure web channel with your netbanking credentials. Your statements are retrieved directly once you login with your credentials. 

Online Loan for Low CIBIL

Qbera offers online personal loans to individuals with low CIBIL scores as well. Most private banks require individuals to have a minimum CIBIL score of 750. Qbera, however, offers personal loans to individuals with a credit score of 575 too. 

Loans for individuals employed in unlisted companies

Is your employer listed? Well, in case your employer is not categorized or listed in the database of a lender, your application is almost certain to be rejected. This happens mostly in the case of private banks. Qbera, however, offers personal loans to individuals employed in uncategorized or unlisted companies as well. More so, even if you are staying in a shared accommodation, you can get an online personal loan from Qbera. 

A quick look at the eligibility for online loans from Qbera


  • You must be a salaried individual
  • You must have a min net salary of Rs.20 000/-
  • You must be above 23 years of age and less than 55 years
  •  A minimum CIBIL score of 575 and no defaults in the last 24 months

Documents Required for an Online Loan from Qbera

  • Aadhaar Card
  • PAN Card
  • Proof of address
  • Salary and income documents
  • Photographs


View a complete list of our FAQs at our help center
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.
  • You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai, Hyderabad, Jaipur, Ahmedabad or Kolkata.
  • Aadhaar Card
  • PAN Card
  • 4 Cheques from your Salary Account
  • Current Address Proof
  • Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)
Pradeep

Pradeep

"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."

Shekhar

Shekhar

"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...

Syed

Syed

"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."

Anish

Anish

"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"

Arun

Arun

"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"

Bhaskar

Bhaskar

"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?
Select your employment type to proceed.
Self-Employed
Salaried

QBERA

We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.50,000 to Rs.25,00,000. APR ranges from 10.99% 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:
whatsapp

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 89719 28484
Address:
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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