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Personal Loans Online

Qbera Private Loan Online.
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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%.

Personal Loans Online

Are you on the lookout for a personal loan at the best interest rate? Banks, NBFCs and new-age lenders like Fintech companies offer personal loans online – you no longer need to visit a bank branch and fill out a physical application form in order to apply for a personal loan. The entire process has been moved online for a simple reason – applying for a personal loan online is way simpler, less time consuming, and involves lesser paperwork. 

Calculate your EMI using Qbera’s advanced EMI calculator

How to apply for a personal loan online?

If you wish to apply for a personal loan online, it will ideally depend on the type of lender you approach – you can either approach a bank that you have an account with, or look for a Fintech lender that offers personal loans online at accommodating interest rates. Nowadays, most lenders have upgraded their personal loans online approval system to provide you with instant online approval when you apply for a personal loan online. 

Traditional lenders offering personal loans online have a more elaborate process that involves physical documentation and extra verification checks. Fintech lenders on the other hand work differently. While they also offer personal loans online, the process is quick – way faster than processes adopted by traditional lending institutions. Moreover, choosing a Fintech player would mean that the entire personal loan online process can be completed digitally – even verification checks are performed digitally to avoid process delays. 

If you’re choosing a bank to apply for a personal loan online, you can do it by either visiting the bank’s website or by logging in to your bank’s internet banking portal. The process is the same with Fintechs – all you have to do is visit the website and initiate your application process. 

How to apply for a personal loan online with Qbera?

  • Applying for a personal loan online with Qbera can be done in just a few steps. Here’s how you can go ahead and apply for personal loans online with Qbera:

  • Login to the Qbera website and click on the appropriate option to apply for a personal loan online. 

  • Choose the purpose of your loan and your loan amount. You can use the Qbera advanced EMI calculator that specifies your loan eligibility depending on your current monthly liabilities (EMIs on any existing loans) and your income. You can then choose a loan amount and know the EMI for the loan amount. 

  • Fill out your personal and professional details in the relevant fields, and upload your bank statements through a secure web platform by entering your netbanking credentials. 

  • Note that you will receive instant approval for your loan if your application meets the minimum eligibility parameters. 

  • Once your application details and documents are digitally verified, you will be provided a customized loan offer, which you can accept. 

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

Benefits of applying for a personal loan online with Qbera

Personal loans online for low credit scores

Even if your credit score is low, don’t be deterred. Qbera has a loan for individuals with a low credit score of 600. However, you shouldn’t have loan defaults in the last 24 months. 

Personal loans online for low income persons

Qbera offers personal loans for individuals with a minimum monthly salary of Rs. 20,000. Most traditional lenders offering personal loans require individuals to have a minimum income of Rs. 30,000 or Rs. 35,000. 

Personal loans for employees of unlisted companies

Even if your organization or company is not listed, Qbera will provide you with a personal loan. If you approach a traditional lender, you will face outright rejection if your employer is not listed on the lender’s database (lenders do a credit assessment of your employer based on various parameters and accordingly list them on their database). 

Digital application process

The application process can be completed online within a few steps. Verification of application details and documents are also carried out digitally. The entire personal loan online application process can be completed within a 24-hour window. 

Choice of loan tenure

When you apply for a personal loan with Qbera, you can choose a tenure of your choice. Tenure range from 6 months to 60 months. 

Quality customer service

Qbera’s customer service professionals can be contacted on both weekdays and weekends. Service representatives can be contacted via Whatsapp, email or via telephone. Right from applying for the loan and receiving it, until the time the loan is closed, Qbera’s customer service representatives are available to answer a diverse range of queries and concerns. 

1, What is the minimum loan amount that Qbera provides to individuals?

A. Qbera offers a minimum loan amount of Rs. 25,000 to salaried individuals. Just in case you’re wondering, the maximum loan amount that you can avail from Qbera is Rs. 10 Lakhs. Note that your approved loan amount will depend on your credit score, income and repayment patterns on previous loans. 

2. Are loans available to self-employed individuals?

A. Qbera currently offers loans only to salaried individuals with a credit score of 600 and above. 

3. How long do I have to wait if I have to re-apply for a personal loan with Qbera if you’ve faced rejection?

A. You can re-apply for a personal loan with Qbera after 3 months. 

4. Can I apply for a loan with Qbera if already have an existing loan?

A. Yes, you definitely can. You can also apply for a debt consolidation loan from Qbera if you have multiple ongoing loan accounts. However, the approval of your loan application will depend on essential parameters including your credit score, income, and past repayment habits. 

5. What is the interest rate on a Qbera personal loan?

A. The interest rate starts at 11.99% p.a. and can go up to 24% p.a. 

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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