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Smart Online Loans in India

Tenures from 12 months to 60 months
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%.

Smart Online Loans in India

India is riding at the helm of a digital revolution and the presence of smart online loans in India testifies to that. The smart country is moving smartly in the world of digital lending. The entire process of applying for a loan, documentation, verification is all being carried online. These smart loans have revolutionized the way India perceives financial shortfalls. Earlier banks were looked as the only way, which too much time and so were ineffective in case of urgent need. Fintech companies that combined technology and finance into a neat little package are ruling the arena now.

Qbera, a Fintech company offers smart online loans in India to the salaried.

Benefits of Smart Online Loans from Qbera

Digital process:

The loan application is in digital format. Login to the website www.qbera.com and fill in the application. A few personal and employment details are required to know if you are eligible. Once termed eligible, upload supporting documents to get personalized loan quote after verification. You can simply submit the bank statements and other documents online, but, there are a few physical documents that are needed. An executive collects these, so you do not have to run around for that. The documents needed are:

  • Aadhaar Card
  • PAN Card
  • Proof of address
  • Salary and income documents
  • Photographs

Quick turnaround time

Once the documents are submitted and verified, you can expect the amount in your account within 24-48 hours. This is very helpful in case of an urgent fund requirement.

A low rate of interest 

At 10.99% Qbera offers one of the best rates prevalent for a personal loan. This is not much higher than what is being charged for secured loans and so are berry competitive.

Long repayment tenure

The long repayment tenure starting at 12 months to 60 months ensures that the monthly payouts are not high. You can choose a longer tenure to bring the EMI down or vice versa keeping in mind your salary and other monthly obligations.

Loans to persons in low- income group

The low-income group faces immense difficulty in securing a personal loan. However, the highly advanced risk-calculation algorithm used by Qbera is effective in determining their credibility and so does consider their loan applications.

Considers persons with a low-CIBIL rating

Your CIBIL rating can be low due to a wide variety of valid reasons. This is why Qbera considers persons with a marginally low score of 600 for their loan while banks are stringent about the applicant having a score of 750 and more.

Highly flexible loans

 These smart online loans are extremely flexible and can be used in unusual ways. It can be used to Fund marriage, education or pay medical bills. You can plan an exotic vacation or undertake home renovations. The scope of use is extremely wide and flexible.

Eligibility Criteria:

•    You must be a salaried individual

•    You must have a min net salary of Rs.20 000/-

•    You must be above 23 years of age and less than 55 years

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

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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