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Personal Loans made simple!

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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%.

Quick Cash Loans in Bangalore

Qbera offers Quick Cash Loans in Bangalore at interest rates starting from 10.99% p.a. In order to be eligible for a quick personal loan from Qbera, you should be salaried, with a minimum net monthly income of Rs. 18,000.

Features of Quick Cash Loans in Bangalore from Qbera

Personal loans for individuals working in unlisted companies

Individuals employed with unlisted companies can get cash loans from Qbera. Currently, Qbera is catering to the instant credit needs of employees of over 7,00,000 companies in India, many of which aren’t listed in the database of banks or other traditional financial institutions. Most top banks reject applicants who aren’t employed with companies that aren’t listed in their database.

Loan approval within seconds

Applicants who apply for a quick cash loan from Qbera will receive instant loan approval based on vital parameters in their credit profile. These parameters include the credit score, the repayment history, the number of sources of credit, and the quantum of credit. These parameters are instantly evaluated by Qbera’s risk-assessment algorithm and an applicant who meets Qbera’s internal credit norms will receive instant approval. In cases where an applicant fails to meet Qbera’s internal credit norms, he/she will face rejection.

Paperless application process

The loan application process is predominantly paperless, involving minimal paperwork – an applicant has to submit his/her KYC documents, which is the only physical paperwork required. Bank statements and payslips can all be submitted online – payslips can be uploaded online while bank statements can be sent through a secure web channel by logging in with your internet banking credentials.

Eligibility for quick cash loans from Qbera

In order to avail an instant loan from Qbera, you must satisfy the following eligibility parameters:

  • You should be at least 23 years of age and not older than 55 years.
  • Your minimum net monthly income should be Rs. 18,000 per month.
  • You should have a minimum credit score of 600.
  • No instances of default should be present in your credit profile for at least 12 months. Multiple EMI bounces or multiple instances of late payments can negatively impact your approval chances.
  • The information contained in your documents should be accurate and consistent. Signatures on signed forms have to match too.

Documents required for cash loans from Qbera

Here is the list of documents required – submitting all these documents is mandatory to process and complete your quick personal loan application.

  • Aadhaar Card
  • PAN Card
  • Cheque leaves from your salary account – 3 to 5 nos.
  • Photographs
  • Income documents – can be uploaded online.
  • Bank statements – can be submitted online.

An executive from Qbera will visit you to collect your KYC documents and obtain your signature on the loan forms, following which your documents will be verified the very same day and your loan will be disbursed within 24 hours post that.

In order to improve your approval chances, make sure you have a good credit score and no late payments in the last few months. If your credit health is good, you will receive instant approval and get your loan amount within 24-48 hours.

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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