Qbera Open Nav
Simple . Fast . Secure

Unsecured Online Personal Loans

Collateral Free Unsecured Personal Loans
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%.

Unsecured Online Personal Loans

An unsecured online personal loan is one of the best sources of instant money. These are life savers when faced with a myriad of needs. Planning for marriage expenses, enrolling in a certificate course that will take your qualification to the next level, home renovation - all these and more can be managed with an online personal loan. Inflation conditions in the economy have made it impossible to set aside an emergency fund and these unsecured loans can be used to pay for emergency hospitalization or medical bills or for any kind of monetary need. Yes! Go ahead and plan that exotic vacation you’ve always dreamt of.

Banks, NBFCs and Fintechs caters to personal loan requirements. Typically, banks have a massive amount of paper-works and waiting periods. Fintechs, on the other hand, promises instant online loans that reach your account within a day or two. For example, Qbera assures that the amount will be credited to your bank account within 24 hours of successful document verification. One of the best-loved characteristics of a Qbera loan is the absolute absence of physically visiting the branch to submit documentation. With the click of a few keys on your laptop, you can enter your personal and employment information, submit the required documents and get the amount required.

Here is the list of eligibility criteria-

  • The applicant should be salaried
  • The applicant must have a minimum net salary of Rs 18, 000
  • The applicant must be above 23 years and less than 55 years of age
  • A minimum CIBIL score of 575 with no defaults in the past 24 months.

Although Qbera does not exclusively rely on CIBIL score like banks, the other few criteria are strictly followed. It also has access to a huge database of more than 7 lakh employers across India that increases the loan approval probability drastically. With quick lending decisions and manageable interest rate starting from 11.99% and long repayment tenure of up to 5 years makes Qbera personal loans an ideal choice.

The entire process is done online but there are a few documents that have to be submitted. An executive from Qbera, visits and collects the same. The documents required are:

  • Aadhar card
  • PAN card
  • Salary Slips
  • Address proof
  • Photographs
  • Cheque leaves 

The advantages of choosing Qbera are:

The process is completely digitized with all areas being managed online including document verifications and approvals. Qbera promises the amount in your bank account within 24-48 hours of successful verification.

Armed with an economical interest rate of 10.99% and a long repayment tenure that spans up to 5 years, an unsecured online personal loan is soft on monthly budgets.

Persons in low-income category usually find it difficult to secure a loan. Qbera caters to this group and you can apply for a loan if you have a minimum take home salary of Rs 18,000.

Banks prefer a CIBIL score of 750 and above and may reject your application if your score is less. But with Qbera a marginally low score of 600 is also considered as Fintechs do not rely solely on the CIBIL ratings.

Many individuals who stay as paying guests or in shared accommodation with friends in the city face loan rejections. Banks do not consider such individuals and Fintechs are the only group catering to the personal loan needs of such individuals.

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


Powered by InCred

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

© 2021 Qbera | All Rights Reserved