Personal Loans made simple!

Find the loan that's perfect for you!

Get my loan offer!

It only takes 2 minutes

Loan amounts range from Rs.50,000 to Rs.25,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Getting a Qbera Smart Loan is Simple

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.

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.

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:

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
EMI of ₹7091 per month
Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
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.

Eligibility Criteria

You must be a Salaried Employee
Age: 23-55 years old
Net Monthly Income must be more than Rs. 20,000.
No defaults in the last 24 months.
You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai or Hyderabad.

Documents Required after Digital Approval

Aadhaar Card
PAN Card
4 Cheques from your Salary Account
Current Address Proof
Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)

What people are saying

Pradeep

"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."

Shekhar

"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...

Syed

"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."

Anish

"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"

Arun

"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"

Bhaskar

"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"

Featured in

Unsecured Personal Loans Online

Unsecured personal loans are loans that aren't involved with any form of collateral. Qbera offers unsecured personal loans to salaried individuals at flexible tenures. If you are looking to apply for an unsecured personal loan in India, an unsecured loan from Qbera can be the most fitting option suitable to your needs.

Unsecured Personal Loans with Qbera - Why choose Qbera for your unsecured loan?

If you're thinking of applying for an unsecured personal loan, here are some reasons why you should choose Qbera for your personal loan needs:

Unsecured Personal Loans for individuals with low credit

Qbera offers unsecured personal loans for individuals with low credit. In order to become eligible for an unsecured personal loan with Qbera, you should have a minimum credit score of 600.

Unsecured Loans for low-income individuals

Most traditional lending institutions require you to have a minimum income of Rs. 30,000 to be eligible for an unsecured personal loan. Qbera, on the other hand, requires you to have a minimum income of just Rs. 20,000 per month to become eligible for an unsecured personal loan.

Unsecured Personal Loans for employees of unlisted companies

Even if your employer is not a listed company, it doesn't matter. While traditional lenders reject applications of individuals working in unlisted companies, Qbera offers unsecured personal loans to individuals of unlisted companies as well.

Unsecured Loans for individuals living in shared accommodations

Even if you are living in a shared accommodation, Qbera can offer you an unsecured personal loan, much unlike private banks that don't entertain applications from individuals living in shared accommodations.

FAQs

View a complete list of our FAQs at our help center

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QBERA

We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.50,000 to Rs.25,00,000. 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 89719 28484
Address:
1st Floor, Wolfpack Workspaces,
#39, 8th Main Road,
Vasanth Nagar.
Bangalore 560 052