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Unsecured Urgent Cash Loans in India

Personal loans with long repayment tenure
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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 Urgent Cash Loans in India

Looking for unsecured urgent cash loans in India? Fintechs are your best bet. When a situation is deemed urgent, it sets forth a high activity pace. For urgent requirement of funds, it is futile looking at banks and NBFCs. The watertight rules and strict practices employed while analyzing a loan application ensures that the processing time takes more than a week, this often is too long a waiting period if the need is urgent. Fintechs like Qbera offers urgent cash loans that promise a quick turnaround time. These loans are processed and ready to be used in 24-48 hours of successful document verification.

With the soaring prices of commodities and general inflation prevalent in the economy, it is exceedingly difficult for households to save up money. Unsecured personal loans are like saviors in the present economic condition. Being unsecured means that there is no need to pledge any kind of asset with the lender. This saves you from going on a guilt trip after pledging your asset. Moreover, the modern young households do not have that kind of asset either. This leads one back to unsecured cash loans to fund any type of eventuality.

It is definitely possible to receive unsecured urgent cash loans in India and knowing the qualifiers to be ready with documents needed is important. The qualifiers include-

You must be a salaried individual

The absence of collaterals mean that the lender expects you to repay the loan from your salary. So, your employment status and job stability are key factor having much weightage.

You must have a min net salary of Rs.18 000/-

Qbera considers applications of individuals with a take home salary of Rs 18 000 and above for a cash loan. The obligation is on the borrower and its essential that he be able to manage his monthly EMIs along with his monthly family budget. A relaxed income to debt ratio is always preferred.

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

The age of the borrowers becomes a crucial factor as a younger applicant can utilize the long repayment tenure effectively while being compared to an old individual.

Minimum CIBIL score of 575 and no defaults in the last 24 months

Being unsecured cash loans, the credibility is an important factor. The credit score provided by CIBIL score provides precious insight to the lender. Most banks consider a score of 750 and above as ideal to be considered for a personal loan. Fintech companies, on the other hand, do consider marginally low score as well. This is because they do risk assessment based on other socio-economic factors as well. But a score of 600 and higher with no case of payment defaults in the last 2 years is a requirement.

Some documents that have to be submitted are:

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