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Same Day Online Loans

Qbera Instant Personal Loan!
Apply now!
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%.

Same Day Online Loans

Same day online loans have grown enormously in popularity today, thanks to the emergence of new-gen lenders such as Fintechs and P2P lending platforms. Online loans are nothing but personal loans that are available online. Lenders offering online loans usually allow applicants to complete the entire loan application process online. Fintech companies who are now prominent in the “same-day personal loan” lending space, offering loans only to salaried individuals with a net monthly income of Rs. 20,000.

What makes Qbera the leading player for Same Day Online Loans?

The truth is, although there are so many lenders operating in this space, not all of them have an integrated system in place that can process and disburse loans in quick time. Traditional lenders like private banks take at least 6 to 7 business days to process and disburse loan applications. So, if you’re applying for a same day personal loan, here is why you should choose Qbera without second thought!

A digital application process

Qbera’s application process is entirely digital – you can apply for the loan online and also submit your supporting documents online. There might arise the need to collect physical documents – this is if you haven’t availed a loan earlier and your KYC documents could not be verified digitally.

Instant approval and same day loan processing

Once you apply for a personal loan with Qbera, your loan application will be processed on the very same day after you receive instant approval based on your credit outlook. Qbera’s proprietary risk-assessment algorithm assess an applicant’s credit profile in real-time, and accordingly generates approval or rejection.

Same Day Online Loans for individuals with low credit scores

Qbera offers same day loans to individuals with low credit scores, much unlike private banks that require applicants to have a minimum credit score of at least 750 (some banks allow credit scores of 700 as well). Qbera offers personal loans to salaried individuals with a minimum credit score of 600.

Personal finance options for employees of unlisted companies

If you’re looking for a same-day online loan and you’re employed with a company that is uncategorized, i.e., not listed in the database of banks, you don’t need to worry – Qbera has got a loan for you. Traditional lenders will immediately reject your loan application if your employer is uncategorized or unlisted.

Loans for individuals living in shared accommodations

Are you staying in a Paying Guest accommodation or a shared apartment accommodation? Not to worry! Approaching a bank in a case like this will most certainly lead to rejection, but Qbera does not reject applicants merely on this parameter.

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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