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Private Personal Loans

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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%.

Private Personal Loans

What are private loans?

Private loans, a popular name for personal loans (also called private personal loans), are unsecured loans that are offered by private lending institutions that include banks, NBFCs, and Fintech companies. In the private personal loan space, Fintechs have become extremely popular in the current day, mostly owing to the process they’ve adopted. 

Want to know more about Qbera’s instant loans?

Unlike traditional private players offering private personal loans that usually take over a week to reach your bank account, Fintech companies offer loans that reach your bank account within the span of 24 hours. So if you’re looking out for private loans, choosing a Fintech company that offers fast, instant private personal loans is the best solution, as these new-age lenders have positioned themselves commandingly in the market, almost set to replace traditional lenders in the private loans space.

Calculate your eligibility amount and EMI using Qbera’s advanced EMI calculator

How can you get a private personal loan instantly?

As mentioned earlier, approaching a Fintech company is the best possible way to get a private loan. Qbera is a popular Fintech company that offers private personal loans to salaried individuals. The application process is simple and swift – the entire process can be completed in a span of about 5 minutes. 

Interest rate on private personal loans offered by Qbera

The interest rate on private loans offered by Qbera start from 11.99% p.a. and go up to 24% p.a. The interest rate on private loans depends on various parameters including your credit score, income, and past repayment pattern (if you’ve availed loans previously). If your credit score is right up there, you will get a low-interest rate on your private personal loan. 

How can I apply for private loans from Qbera?

Applying for private loans from Qbera involves extremely simple steps

  • Just log in to the Qbera website either through your desktop, laptop, tablet or mobile phone. 

  • Click on the appropriate option that points to loans for salaried individuals. 

  • Choose the purpose of your loan and select your loan amount. You can use the EMI calculator to know your loan eligibility and calculate your monthly EMIs based on your current monthly repayment liabilities. 

  • Fill out personal, professional and income details in the next steps of your application process. 

  • You will receive instant approval based on your credit profile. Qbera uses its proprietary risk algorithm to assess credit profiles and risks in real-time and generate instant approvals.

  • You can submit your documents including your bank statements and income documents. 

  • After your documents are digitally verified, you will be made a customized loan offer, which you can choose to accept. 

  • Once you’re ok with the loan terms and accept the loan offer, you will receive the amount within 24 hours to your registered bank account.  

Benefits of choosing Qbera for private personal loans

If you wish to apply for private personal loans, here is why you should choose Qbera without a second thought:

Private Loans for low-income individuals

Qbera offers private loans for individuals with low income levels. In order to qualify for a private personal loan with Qbera, you should have a minimum income of Rs. 20,000 p.m. 

Private loans for poor credit

Even if your credit score is low, you can get a private personal loan from Qbera. While traditional lending institutions require you to have a minimum credit score of 750+, Qbera requires you to have a score of 600+ to qualify for a private personal loan. 

Private loans for individuals employed with unlisted organizations

If you’ve been rejected before because your employer isn’t listed in the lender’s database, that’s perfectly alright. Qbera offers loans to employees of over 7,00,000 firms in India. Loans are offered even to employees of unlisted companies. 

Paperless application

The entire application process is paperless, right from start to end. Uploading of documents and verification are done digitally as well. However, in select cases, an executive from Qbera will come and collect your supporting documents – this is in case you don’t have a credit history and have had multiple instances of late payments in the past. 

Customer Support

Qbera has a highly active customer support unit that is active both on weekdays as well as weekends. Customer service representatives can be reached via Whatsapp, telephone or email. 

Flexible repayment periods

Qbera offers tenures ranging from 6 months to 60 months. You can choose a tenure of your choice, as well as pre-close your loan before the end of your loan tenure if you wish. 

1. Are private personal loans offered by Qbera instant?

A. Yes, Qbera offers instant private personal loans to individuals with a minimum monthly income of Rs. 20,000, and a minimum credit score of 600. 

2. What are the cities where Qbera offers personal loans?

A. Qbera offers private personal loans in the following cities:

  • Bangalore

  • Mumbai

  • Chennai

  • Hyderabad

  • Pune

  • Jaipur

  • Ahmedabad

  • Gurgaon

  • Delhi 

3. Can I apply for another loan with Qbera if I already have an existing loan?

A. Yes, you certainly can. However, in order to qualify for an additional loan, you should have a clean repayment record. 

4. If I get rejected by Qbera for a personal loan, how soon can I re-apply?

A. If you get rejected, you can re-apply after 3 months. 

5. If I have instances of defaults in the past, will my loan with Qbera be approved?

A. If you have to become eligible for a private personal loan with Qbera, you shouldn’t have instances of defaults at least in the last 24 months. 

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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