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Qbera Quick 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%.

Quick Loans

Do you want a quick loan that reaches your bank account within 24 hours? By picking the right lender for a quick personal loan in India, you can get approval within a few seconds, and get your loan offer within the next few minutes. Your profile is evaluated against a bunch of parameters, after which your approval is almost instantly generated. 

Getting Quick Loans in India from Fintech lenders

Quick loans are loans which get approved within hours of applying for them online. These loans have largely helped Indian borrowers save time by cutting down bank visits. Fintech companies provide complete digital processing and verification of documents while giving quick loans online. There are no specific types of quick loans in India -they are basically personal loans which are disbursed quickly to a borrower’s bank account.

At Qbera, we offer quick personal loans online, which are disbursed within 24-48 hours. Our quick personal loans are collateral-free and require minimal documentation. Now there is no need to borrow from your friends or relatives when you face an emergency cash crunch. 

How are Quick Loans different from traditional loans?

Quick Loans
Traditional Loans

Loan processing

The loan process is completely done online.

Needs you to visit a bank or any other financial institution.

Turnaround time (TAT)

After the online application, lenders require the least time to revert with a personal loan offer. 

Banks and NBFCs take more than a week to verify applicant’s personal and professional background before making a decision on providing a personal loan.


Online lenders mostly offer paperless loans. Documents for ID proof and income proof are verified digitally. 

Banks still follow the traditional method of submitting a list of documents at their branch office.


Due to minimal paperwork, personal loan approval from online lenders is very quick.

Banks follow strict rules while assessing a person’s creditworthiness. Hence, they require more than a week or sometimes a month to approve a loan.


Quick loans are usually unsecured, which means applicants need not submit any collateral to secure a loan.

Many times banks and other financial institutions ask for legal assets or property to provide a loan.


Advantages of Quick Loans

Quick loans, as the name suggests, are easily available to meet our urgent financial needs. Qbera is a Fintech company that provides quick personal loans to salaried individuals in need of credit. Let us take a look at the benefits of quick loans.

  1. Easy Application: It is very easy to apply for a loan online. You just have to login to the lender’s website and fill the online application form. It hardly takes a few minutes. 

  1. Quick approval: The online application for a quick cash loan saves time for both the borrower and lender. Once the borrower provides information on the website, lenders require less time in loan processing and making a decision on loan approval. 

  1. Convenient: All the quick loans are mostly available online. A loan applicant need not book an appointment with loan officer. He/she can sit back at home and send the application online.

  1. Multipurpose: Most of the quick loans are personal loans which can be used for many reasons. The most popular reasons are - closing a credit card debt, a marriage, a holiday, or a small renovation in your home. 

Why Quick Personal Loans offered by Qbera are the best?

Qbera is a leading online marketplace that offers quick personal loans to those individuals who get rejected by traditional lenders on an undue basis. Banks and credit unions follow a traditional benchmark to judge the repayment capacity of a borrower. They do not consider applications from individuals earning less than Rs. 35,000 a month. 

Here’s why you should apply for a quick loan from Qbera:

  1. Loans for low credit score: Qbera provides quick loans to salaried individuals with a credit score of as low as 625. 

  2. Loans for PG residents: Now you don’t have to get rejected for a personal loan if you are residing in a PG. Qbera uses its own risk algorithm and provides loans to such applicants. 

  3. Unsecured loans: All the loans offered by Qbera are collateral-free. The borrower need not submit any collateral or a guarantor to secure a loan.

  4. Online EMI Calculator: Qbera hosts one of the easiest online tools to calculate your EMI. You just have to use the sliders of ‘Monthly income’ and ‘current EMIs’ to find out the EMI that fits your budget. 

  5. Flexible loan tenure: Qbera allows its customers to choose from a flexible loan length of 12 to 60 months.

  6. Easy Repayment: Qbera provides an easy repayment option of automatic debit of EMIs through NACH mandate.

Quick Personal Loans Online in India from Fintech lending companies - Pros and Cons

Quick Unsecured Loans, Quick Loans online, Quick Online Loans 

Quick Private Loans from Qbera - here is everything you need to know

Looking for quick private loans? Choose Qbera if you want the amount to reach your bank account within 24 hours. Private loans also known as personal loans are the ideal option when faced with any king of monetary shortfalls. Cash shortage while renovating your house or during wedding arrangements can be easily managed with a quick private loan. Your savings or assets of any kind do not have to be pledged as the loan is given against your salary. The employed applicant is made responsible to repay the loan taken from his salary on a monthly basis.

Private Loans are an excellent option while planning an exotic vacation or extensive home repairs and renovations. In order to be eligible for a private loan from Qbera, you must be at least 23 years old, have a minimum net monthly income of Rs. 18,000 and a minimum credit score of 600. 

Features of Quick Personal Loans Online from Qbera

  • Quick turnaround time: The turnaround period of 24-48 hours after document verification is unparalleled and made possible using the best in technology.
  • Low-income groups considered: Applications from individuals in the low-income group are considered. This particular group faces a lot of rejection and are not preferred by traditional banks for loans.
  • Shared accommodation: those staying in shared accommodation find it difficult to get a loan simply because they do not have permanent residence in the city. Such individuals are considered by Qbera basing the application on job stability and other social and economic criteria.
  • Low CIBIL considered: There are a variety of valid reasons such as time gap in communication between the financial institution and CIBIL agency that may result in a low score. This is why Qbera considers marginally low scores for a loan.
  • Highly flexible loans: These quick private loans are extremely flexible and can be used in a variety of ways. It can be used to Fund a marriage, education or pay medical bills. The scope is so varied that you can look at home renovation, debt consolidation or even a fun-filled vacation.

Application process for quick private loans in India from Qbera

  1. Select the financial institution that is best suited for your requirements.

  2. Check the eligibility criteria applicable to this particular institute like Qbera

  3. Analyze the application procedure for steps and requirements

  4. Check the documentation requirements and make sure to meet minimum eligibility

  5. Apply for the loan within minutes and get your loan amount on the very same day. 

Quick Loans within 24 hours - FAQs 

1. How can I get approved for a Quick Personal Loan Online in India?

A. Qbera offers instant approval for quick loans in India. A proprietary risk-assessment algorithm evaluates various aspects of your credit profile and generates approval instantly. You'll receive information on approval or rejection through EMAIL or SMS. Mainly, your credit score, repayment history and total outstanding credit balance (in accordance with your income) are all evaluated to measure your repayment capability. Essentially, if your current monthly debt obligations exceed 50% of your income, the algorithm identifies that and shows up a high-risk quotient, and lenders are most likely to reject your application after knowing so. If your credit score meets the eligibility criterion of 600, your minimum income is Rs. 20,000 and your repayment history does not show instances of late payments in the last 6 months and there are no defaults in the last 1 year, you can very well be eligible for an instant cash loan from Qbera. Even if your credit score is slightly low but your monthly debt to income ratio isn't greater than 40% and you have a clean repayment history in the last 6 months, you can fancy your chances of getting approved for an instant personal loan in Bangalore and other cities from Qbera.

2. What is the minimum and maximum loan amount? What is the rate of interest that I can expect on my loan?

A. While many Fintech lenders offer short-term loans with small loan amounts (sometimes starting from just Rs. 5,000), Qbera offers personal loans in Bangalore and other Indian cities starting from Rs. 1,00,000. The maximum loan amount offered by Qbera is Rs. 15,00,000. Interest rates on instant credit from Qbera start from just 11% p.a., and can go up to 30% p.a. Interest rates are mostly on your credit health (repayment history, credit score, Credit Utilization Ratio and number of credit accounts linked to your profile). 

3. How fast can I receive my quick loan from Qbera?

A. After you receive initial loan approval (after your credit report is pulled from the bureau and evaluated - this happens instantly with the help of Qbera's risk-assessment algorithm), you'll be required to submit your documents, and after they're verified, you'll receive final loan confirmation and a customized loan offer. The loan offer will contain information regarding your sanctioned loan amount, the interest rate on your loan, and other fees and charges that are relevant (processing fees in particular). Qbera charges a processing fee of anywhere between 1% to 5% of the loan amount. 

4. Can i get a loan even if I'm employed for just 6 months?

A. Yes, with Qbera, you can get an instant personal loan even if you are employed for a period of just 6 months. 

5. How good should my repayment history be in order to get approved for a quick loan from Qbera?

A. If you wish to qualify for instant credit from Qbera, you should not have had any defaults in the last 12 months, and no late payments or ECS bounces in the last 6 months at least. With a clean repayment history in the last 1 year, you can easily get approved even with a sub-prime credit score and a lower rate of interest. 

  1. What is the tenure of a personal loan from Qbera?
    The loan tenure at Qbera is a flexible one and it ranges from 1 to 5 years (12 to 60 months).
  2. What is an EMI?
    It is the fixed amount that a borrower pays to the lender on a particular date every month. An EMI includes the principal and interest charged on a loan.
  3. What is the minimum and maximum loan amount that I can get from Qbera?
    The loan amount ranges between Rs. 25,000 to Rs. 10 Lacs.  
  4. What is unique about Qbera?
    Our technology and lending partnership allow us to offer a world-class experience to our borrowers:
    • Paperless application
    • Instant lending decision
    • Digital verification of income, employment and residence
    • Disbursement of the loan within 24-48 hours

      Our CIBIL score cut-off is 625 and we can give loans to employees of more than 9 lac companies in India. Now you don’t have to get rejected by banks just because they have not analyzed and categorized your employer.
  5. What should be my age to apply for a loan with Qbera?
    You must be at least 23 years old to apply for a loan.
  6. What should be my minimum salary to get a loan?
    Your net monthly income must be Rs. 20,000 or more.
  7. What should be my CIBIL score cut-off for a personal loan?
    Our CIBIL score cut-off is 625 (V2 score).
  8. What is the rate of interest charged on a personal loan?
    The rate of interest depends on a borrower’s income, CIBIL score, employer, age etc. Qbera collects information from your application form and various other data sources to create a personalized loan offer for you. Our interest rates start at 11.99%. 
  9. What is the eligibility criteria to get a loan from Qbera?
    To get a loan from Qbera, a borrower should meet the following eligibility criteria:
    • Must be a salaried employee.
    • Age must be between 23-55 years.
    • Net monthly income must be Rs. 20,000 or more.
    • No defaults in the last 24 months.
    • You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai or Hyderabad.
  10. How do I apply for a loan online?
    To apply for a loan online, click here. For queries, please Whatsapp us on +91 89719 28484.
  11. What are the documents required to get a loan from Qbera?
    The following documents would be required after your loan is digitally approved:
    • 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)
    • Passport size photo
  12. What is the processing fee charged on a personal loan by Qbera?
    The processing fee ranges between 2% - 4%.
  13. How can I repay my loan?
    Qbera provides easy repayment of its smart loans through automatic debit of EMIs via NACH mandate.
  14. Why was my loan application rejected at Qbera?
    Although we have one of the best approval rates in the industry, we may have to reject some applications if they do not meet our basic qualification criteria. You can re-apply after 3 months in case you think that your credit profile has improved.
  15. Can I re-apply for a loan?
    Qbera requires you to wait for at least 3 months before re-applying for a personal loan.
  16. How much time does Qbera take to process a loan application?
    It will not take more than 10 minutes to fill up your online application form. Our technology allows us to disburse the approved loan amount within 24-48 hours.
  17. Is part/prepayment allowed on my personal loan?
    We do not allow part-payments. However, you can prepay your loan after completing 1 year of repayment. (Foreclosure charges: 5% + GST applicable).
  18. Do I need to submit any collateral to get a personal loan from Qbera?
    All personal loans offered by Qbera are unsecured. Hence, you need not submit any assets or property to secure a loan.

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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