Saddled with credit card debt? Get Instant Credit Card Refinancing Loans

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Eligibility Criteria
Take Home Salary > ₹20,000
At least 23 years old
Work for a Private Ltd. /
     Public Ltd./ Govt. Company
EMI starting from ₹2,733/lac*
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Net Monthly Income
Current EMIs (Excluding the loans that are ending in the next 3 months)
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EMI of (4 years)
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EMI starting from ₹2,733/lac*

Smart Personal Loans for a Smarter India

Quick hassle-free loans from ₹50,000 to ₹5,00,000.
Get the money in your bank account .

Easy Application

Easy Application

No unnecessary meetings or paperwork. Just tell us about yourself, your employment and your needs.

Flexible Loans

Flexible Loans

Choose the loan that’s best for you. Adjust your repayment to go inline with your future financial goals.

Fast Payment

Fast Payment

Once your loan is approved, we transfer the money straight into your bank account.

Secure Process

Secure Process

We keep all your data secure with 128 bit SSL encryption and we promise never to sell your data.

How it works

Step 1

Get your loan offer in 10 minutes

Answer a few questions about your employment, education and expenses.


Submit your bank statements

Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form.


Choose your term

Choose the loan offer which is best suited to your needs.


Get your funds tomorrow

Once your loan is approved, get the money in your bank account the next day.


Repay your loan

Pay your loan off with automatic EMI payments

How it works

Step 1: Get your loan offer in 10 minutes

Answer a few questions about your employment, education and expenses.

Step 1

Step 2: Submit your bank statements

Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form.

Step 2

Step 3: Choose your term

Choose the loan offer which is best suited to your needs.

Step 3

Step 4: Get your funds tomorrow

Once your loan is approved, get the money in your bank account the next day.

Step 4

Step 5: Repay your loan

Pay your loan off with automatic EMI payments

Step 5

Credit Card Refinancing Loans in Pune

To thrive in today’s dynamic Fintech lending niche it is not enough to offer personal loans, they need to be personalized and need-based. This is exactly what we have tried to do when incepting our operations in Pune.

One of the products offered is a credit card refinancing loans. We are living in a world where credit is easily available, but repayment requires great discipline and meticulous planning even today. One should really want to be debt-free to start tackling debts strategically. Qbera realizes that the impact of debts can leave a dent on your personal and professional life and we are redefining the way loans are approved and disbursed in Pune.

Dive into the basics: What is Refinancing

Many people become overwhelmed by their debts, but they don’t have to be. One way to help alleviate some of the strain is to consolidate debt from multiple sources. Essentially, debt consolidation takes all the money you owe credit card companies (and others if any) so far and make it one huge debt instead of many littler ones. When you are no longer bound by several due dates every month, it can be easier take on the bull by its horns.

Refinance Credit Card Loan With A Personal Loan:

Using a personal loan to pay off existing dues is quite straightforward. You apply for the required sum, choose a comfortable tenure and the interest rate is calculated accordingly (by examining your credit score and debt-to-income ratio among other things). One great perk of this method is flexibility. You may reduce or extend your tenure (within reasonable limits) as per your convenience.

Features & Benefits:

Loan Amount

You can borrow up to Rs. 7.5 lacs. Can you think of other ways to arrange such a big amount in 24 hours without much hassle? Not possibly.

Easy Access

Personal loans are the best choice if you have used your credit card for big ticket purchases and now wish to combine all the credit card debts to date and even out the burden of quick repayment over a longer tenure. You can get the money disbursed in your account in 24 hours as we follow a user-friendly and seamless procedure.

Structured Repayment

Over a couple of years. With a personal loan, you have a structured method to pay back your debt over a multi-year period without having to worry about promotional rates expiring. The interest rate will be much lower than letting it sit on a credit card. If you successfully pay off the loan, you’ll also demonstrate that you can maintain a long-term payment schedule and your credit score will rise.

Affordable Interest Rates

Personal loans usually have more competitive rates when compared to credit cards. This way, there is immense potential to save a lot. Our interest rates range from 14% to 24%. Improve Credit Score: If you think you will be able to pay the EMIs without fail and on time, this would be a great chance to improve your credit score. If you think that you might run the risk of defaulting, which can land you in trouble. No bank will offer you personal loans if you have a bad credit history.

Points to remember before applying for credit card refinancing loans in Pune:

If you have more than one credit card with dues and EMIs piled up, consolidating them and refinancing it with a personal loan (at a lower rate) would ensure that you save a lot of money. But this decision should not be taken in haste. Given below are 3 points to keep in mind when you opt for refinancing loans.
  • Don’t choose the first offer that comes your way. Remember, if there is one, there are bound to be many. Make use of third party sites that will do all the inquiries and comparisons for you instantly.
  • Do not just look at the interest rate and decide. Rather, take a good look at the APR (Annual Percentage Rate) as well as other terms and conditions. Some lenders (even though they offer better rates) may have unshakeable prepayment policies, not to mention other fees and charges.
  • Use the personal loan disbursed to you only to close off your existing loans and not for any other purpose. Doing this would only increase your financial obligations and would defeat the purpose (settling debts and attaining more financial freedom)
  • As credit card refinancing loans are unsecured in nature, their interest rates would be slightly higher compared to secured loans. It would be unwise to use this money to invest. Investments are unpredictable at best and if it doesn’t go according to plan, you will be left with a hefty deft.

How to apply for a Credit Card Refinancing Loan via Qbera

Qbera application procedure takes the words ‘easy’, ‘quick’ ‘simple’ and ‘hassle-free’ among others to a new level. Given below are 5 steps to get it done the Qbera way.
  • Just log on to and fill in the application form (it barely takes 5 minutes)
  • Upload your bank statement on the website
  • Qbera gives you an offer within 4 hours
  • Our representative will come and collect the documents
  • Money transferred to your account in less than 24 hours

Qbera may be able to help when you need it the most. Apply now for a smart hassle-free loan in pune.

Types of Loans

At Qbera we offer quick hassle-free loans for several purposes

Easy Application

Second Hand Car Loans

At Qbera, you can apply for any vehicle loan be it a bike loan, scooter loan or even a used car loan without any of the difficulties that are often faced with traditional banks and NBFCs.

Flexible Loans

Wedding Loans

Qbera is there by your side to ensure you don’t have to compromise on your big day. Get a marriage loan, an engagement loan or a honeymoon loan instantly with Qbera even at the last minute.

Fast Payment

Credit Card Refinancing

Saddled with credit card debt? Want to repay the balance on your card? With Qbera, convert your high-cost credit card debt into affordable monthly EMIs at low interest rates in no more than 24 hours.

Secure Process

Education Loans

Want to study further but require funding for your fees? We offer instant education loans for salaried professionals at attractive interest rates. Apply today to fulfill your educational goals.

Easy Application

Home Improvement Loans

Require furniture or interiors for your new house or want to renovate your existing home? Qbera provides Home improvement loans, home remodeling loans, home renovation loans, home repair loans and furniture loans instantly!

Flexible Loans

Travel Loans

At Qbera, get a travel loan of up to 7.5 lakhs in a quick, convenient process. We offer travel loans, tour loans, holiday loans, vacation loans, air ticket loans, foreign travel loans, cruise booking loans in less than 24 hours.

Fast Payment

Medical Loans

Medical issues often require urgent funding. In such situations, getting money quickly is a top priority. At Qbera, we respect this and can help you with such Medical loans or emergency cash in less than 24 hours.

Secure Process

Loan Refinancing

Existing loans that you may have can be refinanced to lower your monthly payments. Be it a payday loan, credit card loan, education loan, wedding loan or travel loan. Qbera offers the fastest loans for debt consolidation or refinancing.

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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.50,000 to Rs.7,50,000. APR ranges from 14% to 24%. Loan lengths range from 12 to 48 months. Administration fee ranges from 2% to 4%.

* Subject to Risk Profile

Phone: 1800 4198 121
Whatsapp:+91 89719 28484
1st Floor, Wolfpack Workspaces,
#39, 8th Main Road,
Vasanth Nagar.
Bangalore 560 052

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