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Personal Loans made simple!

Find the loan that's perfect for you!
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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 Unsecured Loan

A quick unsecured loan is a loan product from Qbera that reaches your bank account within 24 hours! Minimum income required to apply is Rs. 18,000 per month and minimum credit score required is 600. 

Choose quick unsecured loans as the ideal way to manage any situation that requires urgent financing. It’s the small joys of life that make the most profound impact and stay fresh in memory. Buying your first hi-tech smartphone from your own earnings- yes! That can be done with a little push in the form of a personal loan. Managing your higher education without parental support, buying a used car/bike or simply surprising your parents by redoing and renovating the house; any of this and more can be achieved without liquidating your savings in the form of a quick unsecured loan from Qbera. You might not be able to do this from your paycheck alone but with careful planning and consideration as well as a momentum in the form of the loan can help you out.

A Quick unsecured loan from Qbera does not require any kind of collateral. There is no asset at stake or a need for a guarantor, so yes, you can get your loan on the basis of your salary and other criteria. The interest rate is a bit high – but that is expected as these fall in the high-risk category and are collateral-free.

Quick Unsecured Loans in India from Qbera

The CIBIL score gives an insight into the lenders regarding the credibility of a borrower. Those with scores lesser than 750 face immense difficulty in securing a loan. Qbera, however, does consider such applications and studies them along with the social and economic standings of the applicant, thereby increasing the loan approval probability. However, a score of 600 and more is considered best.

The highly competitive interest rate starting at 10.99% and the long repayment tenure spanning 5 years are two other important aspects of a quick unsecured loan from Qbera. This ensures that the monthly EMIs do not disrupt the family budget and the loan is repaid comfortably. If you have an excellent CIBIL score, be sure to negotiate on the interest rate offered to make it the best one for your loan.

Making use of the best in technology and lending industry, Qbera offers a complete digital experience while processing your quick loan application. The entire process is done online and only some documents like PAN card, photographs and cheques are collected from the applicant. Again, an executive from Qbera is assigned and so there is absolutely no need to step out of your home to secure a personal loan.

The eligibility for a Quick unsecured loan from Qbera -

  •  You should be a salaried individual

  • Minimum net salary of Rs.18 000/-

  • Age group of 23-55 years

  • A minimum CIBIL score of 600 and no defaults in the last 24 months

How to apply for a quick unsecured personal loan from Qbera?

  • Fill out the personal and employment details on the online application form available at www.qbera.com

  • Submit the bank statement that reflects salary credit and other supporting documents online.

  • Qbera sends a personalized loan quote 

  • After receiving the email acceptance of the quote and the submission of some physical documents that undergo another round of verification, the loan amount is credited to the bank account 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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