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Quick Cash Loans

Qbera Instant Personal Loan!
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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

What are Quick Cash Loans?

Quick cash loans are mostly emergency funds that are approved in the shortest time span by financial institutions. Unlike banks and other large lenders, which take more than a week to approve loans, Fintech companies have rapidly evolved in the personal loan lending segment to provide quick and easy financial services to customers. 

Qbera is one such Fintech lender, based in Bangalore, that provides unsecured and quick cash loans to a large segment of salaried individuals of India. Qbera uses technology and instant lending decisions to expand the digital access of personal loans amongst Indian citizens. 

At Qbera, we offer quick personal loans that work differently from how traditional lenders offer and disburse loans - you can get instant approval and get the money within 24 hours if you apply and qualify for a quick personal loan with Qbera.  

9 Things you need to know about Quick Cash Loans of Qbera

1. Collateral-free

Qbera offers quick personal loans without asking for any collateral or security. Hence, you can apply for a quick cash loan without pledging a legal assets and get a financial credit urgently. 

2. Multipurpose

You can get a quick cash loan from Qbera to meet any of your personal financial needs. However, the popular reasons that our customers have borrowed for are:

  • Marriage
  • Holiday
  • Home renovation
  • Medical emergency
  • Close a debt
  • Second-hand vehicle purchase

3. Paperless application

Our digital application for quick personal loans involves submission of your basic information and attachment of necessary documents online. It hardly takes 5-10 minutes to complete the entire application process. 

4. Minimal documentation

The documents required to get a quick cash loan from Qbera are minimal, which is why our loan approvals and disbursals are completed in as little as 24 hours. (We only require very few documents once your loan is already approved online.)

5. Fast-approval 

Quick cash loans, as the name goes, are available in the shortest time span of time at Qbera. Our fast lending decisions enable us to approve instant loans within few hours of online application. 

6. Low interest rates

Qbera offers one of the cheapest deals when it comes to quick personal loans. Our interest rates range between 11.99-24% p.a. Depending upon the basic information provided by you and your credit history, we will revert with an offer that best suits your financial needs. 

7. Loan for low credit scores & low income

Qbera believes that every salaried individual whose credit score is as low as 600 deserves financial aid when in need. Yes! You can get a quick personal loan ranging from Rs. 25,000 to Rs. 10 Lacs even if you have a low credit score and your monthly income is Rs. 20,000 or more. 

8. Flexible loan period

When you apply for a quick cash loan with Qbera, you will be given a flexible loan tenure between 6 months and 60 months to repay the loan amount. If you are confident enough to pay off in a short term, let’s say 36 months, you can opt for a short term of 6 to 36 months. However, if you wish to save more from your income, you can go up to a loan length of 60 months - it’s up to you. 

9. Low EMIs

We understand that you have a list of bills stacked up every month to be cleared on time. A quick personal loan from Qbera can save you from huge dents in your savings every month. In case you need to reduce the pressure of EMIs to focus on other payments, our lowest EMIs start at Rs. 2700 per month. Find out your EMI in a few seconds with our online EMI calculator.  

Step-by-step guide to get a quick cash loan from Qbera

As discussed, our digital application to get a quick personal loan can be completed in less than 5-10 minutes by following these simple steps:

  1. Logon to Qbera.com, click on “Apply Now”. 

  2. You will be taken to the online application form page. Fill in your personal as well as professional details.

  3. Upload the necessary bank statements and other relevant documents. Qbera, without wasting any time, will provide digital approval if your details meet our simple eligibility criteria. 

  4. We will offer you a loan amount based on your monthly income and your past credit performance. You can either choose to accept or reject the offer.

  5.  Once you accept the loan amount, we make sure that it reaches to your bank account within 24-48 hours. 

1. What is the minimum age to get a quick cash loan?

You must be at least 23 years to get a quick cash loan from Qbera.

2. What will be the administration fee charged by Qbera?

Qbera charges a minimal processing fee that ranges from 2-4%.

3. How can I apply for a quick cash loan and in how much time will I get the loan amount?

To get a quick personal loan, login to Qbera.com and click on the “Apply Now” button on the top right corner of the page. Our software and technology allows us to transfer the loan amount to you within 24 hours. 

4. Will you charge any pre-closure fee on my personal loan?

We allow our customers to prepay the loan after completing 1 year of repayment. Preclosure charges are 5% of the principal outstanding plus GST. 

5. Can I re-apply for a loan if it was rejected once by Qbera?

Yes, you can surely apply for a quick personal loan again. However, we require you to wait for a period of 3 months to consider it again. 

6. Where can I get a loan from Qbera?

You can avail a quick cash loan from Qbera if you are residing in any one of the following cities:

  • Chennai
  • Pune
  • Bangalore
  • Mumbai
  • Ahmedabad
  • Jaipur
  • Delhi/NCR
  •  Hyderabad

7. What is the customer care number of Qbera?

For any queries related to quick cash loans, you can contact us at +91 89719 28484.

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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