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Short Term Loans

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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%.

Short Term Loans

Looking for short term loans or small loans? You’ve arrived at the ideal platform to apply for one!

What are short term loans?

Short Term loans are loans that come with short tenures ranging from 3 months to 12 months, sometimes stretching up to 60 months. Note that loans with tenures of up to 24 months can also be classified under short term loans. 

Of late, short term loans have become extremely popular in the market, with people opting for short term loans almost as equally as they’d opt for personal loans. 

Want to know more about Instant loans from Qbera? Find out here!

Usually, short term loans are small loans – lenders do not resort to providing high loan amounts on a short term basis. So if you’re looking for a short term loan, your loan should be a small loan, as large loans against short tenures aren’t usually entertained by lending institutions, including Fintechs. 

While a short term loan exists as a single entity, they are a category under the personal loan umbrella. Just like personal loans, short term loans are unsecured loans that do not require you to pledge an asset as collateral. Unlike personal loans, though, short term loans come with a slightly higher rate of interest – this is not always the case. Some lenders like Qbera for instance, offer loans that range from tenures starting from 6 months to 60 months. As such, if your loan amount is small, you can consider it as a short term loan and opt for a 6-month tenure. 

Short term loans are usually small loans – lenders do not resort to providing high loan amounts on a short term basis. 

How to apply for small loans from Qbera?

Applying for a short term loan or a small loan from Qbera is a simple, 5-step process. The process can be completed in under 5 minutes. 

  • Visit the Qbera website – https://www.qbera.com/  and click on the relevant option to apply for a loan. 

  • Choose the purpose for your loan and the loan amount. Use the Qbera EMI calculator to know the amount you’re eligible for based on your income and monthly credit related liabilities. 

  • Fill out personal and professional details, and upload your supporting documents. 

  • You will have to submit your bank statements for the last 6 months – you can do it by logging in to the Perfios secure web channel that only retrieves your bank statements. 

  • You will receive a customized loan offer from Qbera within a few hours – you can then accept the loan offer to process the final stage of your loan application. 

  • Once that’s done, you will receive the approved loan amount within the next 24 hours to your registered bank account. 

Choosing small loans from Qbera

Qbera offers loans starting from just Rs. 25,000 to Rs. 10 Lakh. If your loan amount is moderate, you can choose a shorter loan tenure. Note that in case of short term loans, you will be paying a higher instalment amount as the internet will be high and tenure short. 

Tenures for short-term loans from Qbera start from 6 months. If you wish to apply for a long-term loan and a higher loan amount, you can choose a tenure up to 60 months. 

In order to qualify for a Qbera small loan, you should have a minimum credit score of 600. 

Benefits of picking Qbera for a short term loan

Here are some notable benefits of choosing short term loans from Qbera:

  • You can choose tenures starting from 6 months to 60 months. 

  • Loan amounts starting from Rs. 25,000 to Rs. 10 Lakhs are offered. Approved loan amounts depend on your income and existing monthly installment liabilities and your credit score. 

  • In order to qualify for a Qbera Small Loan, your credit score should be 600 – this is a much lesser credit score in comparison to the 750+ credit score required by banks in order to qualify for a loan. 

  • The entire application process for a small loan can be completed digitally, within a window of 5-10 minutes. Note that verification of documents and other information (personal and professional) contained in submitted documents will be verified digitally by Qbera. 

  • While one of the biggest benefits as mentioned earlier is digital document verification, note that if you do not have a credit history or your credit profile has too many instances of late or irregular repayment patterns, physical collection of your documents might become necessary. In that case, a representative from Qbera will collect your documents and also your get your signature on the loan documents. 

  • After you provide your documents, you will receive a customized loan offer that will indicate your approved loan amount (based on your credit profile, repayment capacity and income)

  • You will receive the loan amount in about 24-48 hours - this is after you receive final approval on your short term loan with Qbera. 

  • An excellent customer service ensures that you are assisted whenever you need it. Qbera’s support executives can be reached via telephone, Whatsapp, or via email, on weekdays as well as weekends. 

  • Qbera also offers loans to salaried individuals of unlisted companies (companies that aren’t listed by traditional banking institutions like private banks). As a matter of fact, employees of unlisted companies are not even assessed on the basis of their credit profiles - being an employee of an unlisted company is sufficient grounds to immediately reject a personal loan application. 

  • Qbera offers loans to individuals who fall under the age group of 23-55 years.

  • A Qber short term loan can be used to fund a wedding, a holiday, an emergency, a business, or an education certification. 

1. What is the minimum tenure for a short term loan offered by Qbera?

A. Qbera offers short term loans starting from a minimum tenure of 6 months. 

2. Will I need to have a good credit score even for a loan amount of Rs. 25,000?

A. As long as your income is acceptable and your credit score is at least 600, you can get a small loan amount as little as Rs. 25,000. 

3. What should be my minimum income if I have to apply for a small loan with Qbera?

A. Your minimum income to apply for a short term loan with Qbera should be Rs. 20,000 p.m. 

4. If I get rejected, can I re-apply for a loan? If yes, how long do I have to wait in order to re-apply?

A. You can definitely re-apply. But you will have to wait a minimum period of 3 months to re-apply. 

5. What are the reasons for facing a rejection?

A. Multiple reasons can single-handedly or collectively contribute to the rejection of your loan application. The most prominent reasons are defaults in the last 24 months, multiple instances of EMI bounces or late payments, and too many sources of debts - either in the form of multiple loan accounts or multiple credit cards. 

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?
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E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
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MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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