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Urgent Cash Loans in India

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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%.

Urgent Cash Loans in India

Urgent cash loans in India are available in the form of Instant personal loans. If you are looking for urgent cash loans in India, it is advisable to approach Fintech companies like Qbera rather than Banks. The speciality of Fintech companies is the turnaround period. With Qbera, the turnaround period is 24-48 hours after approval and verifications, and the amount is directly deposited into your bank account. Banks don't particularly offer urgent cash loans as their the turnaround time for personal loans with banks is at least 7 to 8 business days. 

Online Personal loans are unsecured loans and so, there are definite risks associated with it. Financial institutions do careful verifications of the creditworthiness of customers and other risk qualifiers before offering the loan, as there are no collaterals attached. This is a positive point for the borrower as he doesn’t have to worry about the asset or look for a guarantor, but it increases the risk quotient for the lender. So, the CIBIL score is an important factor in deciding the eligibility.

It is definitely possible to receive an urgent cash loan in India, but you should know the qualifiers and be ready with any sort of documents that might be asked for. The qualifiers include-

You must be a salaried individual

As there are no assets attached, the lender expects you to repay the loan from your monthly income. Qbera offers urgent cash loans in India to salaried individuals. So, your employment status and the stability are factors that are given much importance. 

You must have a minimum net monthly salary of Rs.20 000/-

Qbera considers applications of individuals with a take-home salary of Rs 20 000 and above for a cash loan. The onus here is that, the borrower should be able to manage his monthly EMIs along with his monthly family budget.

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

The age of the borrowers becomes an important factor as it is better to give a loan to a younger person, who can avail a long tenure, rather than an older individual who doesn’t have many years left.

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

Being unsecured, credibility is very important and the CIBIL score provides that to the lender. Most banks consider a score of 750 and above. Fintech companies do consider marginally lesser scores as they also do risk assessments based on other socio-economic factors. But a score of 575 and higher with no case of repayment defaults in the last 2 years is a requirement.

And the documents that needs to be given are:

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

Other than these, your employer has an impact on your urgent cash loan application. Banks and NBFC has a big database of employee information from employers. So if your employer database is present, the higher the chances of your loan being approved. Having said so, there have been instances of the loan being rejected as the employer was not part of banks' databases. Fintech companies are handy in such situations and with a database of more than 7 lac companies, the probability of loan approval increases substantially.

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?
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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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