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Personal Loan in Hyderabad

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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%.

Personal Loan in Hyderabad

Looking for personal loans in Hyderabad? Fret not! Qbera is here to help! You can now get quick and hassle-free personal loans in Hyderabad with a minimum net monthly salary of Rs 20,000. What’s more, you’ll also get to explore flexible terms depending on your savings, income, and loan amount. 

The capital of Telangana, Hyderabad is one of the top metropolitan cities of India. Serving as a leading hub for the technology industry, the city houses offices of almost every major multinational company. Hyderabad is also known for its historical relevance, lofty monuments, and scenic spots. 

At Qbera, we fully understand that the masses of Hyderabad might need financial assistance to carry on with their fast-paced lives. We, therefore, extend our unsecured personal loans in Hyderabad to individuals with a monthly salary of Rs 20,000 or more. 

A personal loan in Hyderabad is an unsecured form of credit, whereby you needn’t submit any asset or property to get the loan. Powered by the latest technologies and an incredibly efficient team, Qbera offers instant loan in Hyderabad at attractive interest rates. So, if you’ve been rejected by banks and other lending partners, we might be your best bet!

Benefits Of Instant Personal Loan in Hyderabad From Qbera

The advantages of taking an instant personal loan in Hyderabad is manifold. At Qbera, we double these benefits with our flexible terms and great interest rates! Here’s what you need to know:

Unsecured Loans

One of the biggest highlights of Qbera is that we offer unsecured loans where you don’t have to pledge a collateral. This means you won’t have to secure your loan with your property, fixed deposit, car, or home. Instead, you will immediately qualify for the loan if you meet our eligibility parameters. Meeting our eligibility parameters is our only requirement. 

Need-Based, Multi-Purpose Loans

Personal loans in Hyderabad can be used for financing any expense. So, whether you are planning to repair your home, book a fancy decorator for your wedding, buy a bike, fix your car, or anything else under the sun- your loan will be approved regardless of the cause. 

Our terms are simple, and we especially ensure that our loans end up meeting your unique requirements. 

Flexible Tenures

When you apply for a personal loan in Hyderabad with Qbera, you get to enjoy our flexible tenures. Currently, our tenures range from 12 to 60 months. So, check the available options depending on your income and budget. 

Easy Repayments 

At Qbera, you can repay your loan online with our auto-debit facility. Once you register for this service, the monthly installments will be automatically debited from your linked account. The process is simple is absolutely hassle-free. 

Calculate Your EMI with A Simple Click

Yes, Qbera has its own EMI-calculation tool where you can calculate the amount, you’ll have to pay every month. Just add the tenure, the capital amount, and the interest rate- and an accurate monthly installment amount will be generated right away!

Available To Low Credit Score Holders

Yes, you can still get a personal loan in Mumbai, if you have a bad credit score. At Qbera, our loans are available to individuals with a credit score of 600 or higher. So, if you’ve been rejected by other institutions because of credit score, you can be fully assured of getting approved on our platform!

Best Interest Rates

At Qbera, we offer the best interest rates available in the market. Our loans start from 11.99% p.a. However, do note that this rate may be higher or lower depending on your credit management habits, income, and monthly expenses.

Great Offers For Employees of Unlisted Companies

At Qbera, we offer loans to employees working in unlisted companies. This means if you are working in an organization that’s not yet listed in the approval database of formal lenders and banks; Qbera will still approve your application. Formal lenders are wary of approving the applications of individuals from unlisted companies as most of these companies do not yet have a market presence or reputation.

Quick Processing

Qbera is powered by a proprietary credit assessment algorithm that allows it to approve your application in minutes. So, if you’ve filled the online application form correctly, and meet every required parameter; you are likely to get the amount within 24 hours. 

Simple Documentation

Unlike banks that ask for your tax receipts, telephone bills, rental agreement, and similar other documents- Qbera requires only the bare minimum. You can get your loan approved by just providing a copy of your government verified ID, salary receipts, and bank statements. Since we are driven to simplify the application process for borrowers, we do not warrant for unnecessary documents. 

How To Get A Personal Loan in Hyderabad? 

At Qbera, we offer personal loans with a difference! Being one of the leading lending marketplaces across the nation, we ensure that your personal loan in Hyderabad is approved (and disbursed) much sooner than your required timeline. Once approved, you can use these loans for financing your wedding, planning a holiday with your family, financing relocation expenses or anything else- your personal loan will cover it all! These loans are convenient and require little to no human intervention. The best part: you need to complete just four simple steps to apply for your loan. Here’s what you need to do. 

  • Visit www.qbera.com and hit the ‘Apply Now’ tab at the top, right part of the page. Upon doing this, you will be immediately redirected to a new page where you can fill the application form. Featuring some basic questions about your personal details, employment history, salary, and existing debts- this form is simple and easy to grasp. 

  • Next, you will have to choose an amount ranging from 1 lakh and 15 lakhs. Make your choice as per your income and repayment abilities. Remember, it is best to avoid higher amounts if you do not have the required debt-to-income ratio for managing the installments. 

  • Upload the required documents and wait for the e-verification. 

  • You’re done! If approved, the amount will be credited in your bank account by 24 to 48 hours. 

Tips to Improve Your Approval Chances For Personal Loans in Hyderabad

While applying for a personal loan in Hyderabad, the last thing you’d want is your application getting rejected! Although Qbera provides loans to unrepresented individuals who have been previously rejected by multiple lenders, you can always work on the following tips to ensure that your instant loan in Hyderabad is approved at the first instance. If you are skeptical and are wondering how to go ahead with your plan, here are some guidelines to consider. 

Work On Your Credit Score: Your credit score is perhaps the biggest determining factor for your personal loan in Hyderabad. Most lenders will check this score to gauge your repayment abilities. It is, therefore, especially important to have this score at the higher end. Once you work on this, your report will certainly impress all lenders. 

Weed Out the Inaccuracies: It has been observed that one out of five credit reports is laden with errors. So, if your credit report has met the same fate, it is important to weed out all inaccuracies right away. Why? Because inaccurate details can result in denial. While it is important to check your report in a timely manner, we suggest you check it at least 30 days before you’re applying for a new personal loan in Hyderabad. 

Pay Down Your Debts: Your credit utilization ratio is the amount of credit you use with regard to the amount available to you. This rate is important as it plays a major role in determining your approval. As you pay off your debts, this ratio will improve, and your credit score will be significantly boosted. 

Make Timely Payments: Yes, even one late payment can have a devastating effect on your credit score. So, it is especially important you clear all your dues on time. Make this a habit 

at least two months before applying for a personal loan in Hyderabad to increase your approval chances. 

Do Not Apply For More Credit: Every time you apply for a credit card or a new loan, a record of ‘hard inquiry’ goes into your report. The worst part: the record of this inquiry can remain in your credit report for two years. While a single inquiry will only have a small impact on your credit score, multiple inquiries can cause you to drop. Why? Because most lenders will deem you to be ‘credit hungry’. So, while shopping for the best offers try getting quotes from companies that conduct ‘soft inquiry’. Unlike their counterparts, soft inquiries aren’t reflected on your credit report. 

Do Not Switch Jobs Too Often: Your monthly income is another essential factor determining your chances of approval. Lenders will only offer you a personal loan in Hyderabad when they know you’re earning enough to pay it off in due time. Additionally, they’d also check if you have a steady job. So, if you switch jobs quite often, your chances of approval are quite feeble. So, before applying for a new loan it is important to stick to your job for at least 6 months. Once you do this, your lenders get an indication that you are indeed a responsible borrower.

Choose A Short TenureWhile long tenures translate to low monthly installments, the interest accrued is much higher. So, at the end of the day, you’ll have to pay more money than you had initially planned for. The best option here is to choose the shortest tenure possible. That said, do consider your repayment potential and only apply for a short tenure when you can afford the monthly installments.

Double Check the Details You’ve Added: While applying for a personal loan in Hyderabad, it is imperative to ensure that your documents are fully consistent with the details you have shared. Even the slightest inconsistency can cause rejection, eventually leading your credit score to dip. So, before adding any information, double-check with the documents and make sure it is accurate. 

Choose The Right Lender: When it comes to getting an instant personal loan in Hyderabad, you will have plenty of lenders to choose from. Unfortunately, not all of them are ideal for you. For instance, there are certain lenders that are the best fit for individuals with a great credit score and high salaries. Alternatively, there are others who cater to disadvantaged and underrepresented individuals who are struggling to pull up their scores. Either way, make sure the lender you choose perfectly meets your unique requirements. 

Get A Co-SignerIf your credit score is dwindling, you can always consider getting a co-signer to get your loan. A co-signer or guarantor is an individual who promises to pay off your loan if you are unable to do so. These individuals also have a great credit score. 

At Qbera, we do not require you to get a co-signer to even if you have a bad credit score. Yes, when you sign up for a loan on our platform, you will be approved for it if your credit score is 600 or higher. Our interest rates are flexible, and our eligibility parameters are equally simple. So, if you are struggling to finance any major expense, our loans will help you get through, regardless of your income or credit score. Check out our available tenures and interest rates to get your personal loan in Hyderabad now!

Why Are Instant Personal Loans in Hyderabad Better than a Credit Card These Days? 

Considering the popularity of instant personal loans in Hyderabad, you might be wondering how they fare against credit cards. Since almost all of us have used credit cards during a cash crunch, we are instinctively drawn towards them at the first instance. But are these cards worth a shot? Are they really better than instant personal loans? Let’s clear the air!

Instant Loans In Hyderabad Vs Credit Cards- Prime Differences and Comparison

Interest Rates: The interest rate of most unsecured personal loans in Hyderabad range from 11% p.a. to 25% p.a. While the number might change depending on your lender, this is deemed as an average rate. Credit cards, on the other hand, come at exorbitant rates. Yes, even your typical credit card will have an APR starting from 24% p.a. going up to a whopping 34% p.a. Cash withdrawal charges are equally high. So, if don’t pay off the entire amount during the interest-free period, you’ll be practically drowning in hefty debts. 

Turnaround Time: Credit cards usually have a long turnaround time. Since banks are involved, the process is even longer. In most cases, it would take you around 7 to 8 days to get your credit card approved. Luckily, personal loans in Hyderabad are much faster. If you choose a platform like Qbera, you can get approved in less than an hour and the amount will be credited to your account within 24 hours. 

Loan Amount: Credit cards offer a lower amount than instant personal loans. Usually, this amount is around three times your salary. So, if you have a monthly income of Rs 25,000, your available credit limit will be Rs 75,000. Instant personal loans, however, have no such limitations. Ranging from 1 lakh to 15 lakhs, these loans can be used for financing any and every expense. 

Repayment: The repayment window for credit cards range from 30 days to 45 days. So, if you’re short on cash and have financed a major purchase with your card, it’ll be extremely difficult to manage your budget while paying down the debt. Instant personal loans are much less stringent in this matter. These loans can be repaid between 1 to 5 years depending on your monthly income, existing debts, and other additional expenses. 

Ideal for Mid-Level Income Holders: If you have a mid-level income, personal loans in Hyderabad is your answer. Usually, you are only approved for a credit card if you have a take-home salary of Rs 25,000 or higher. But personal loans in Hyderabad from Qbera are accessible to all sections of the society. Since we offer loans to individuals with a minimum take-home salary of Rs 20,000, your chances of getting the loan approved on our platform is much higher!

In addition to these above pointers, it is also important to note that the amount you have in your credit card can only be used for purchasing products from merchants who accept the cards. This limits the way you’re going to use the money. Since personal loans are offered as a lump sum, there is no similar limitation.

So, if you are looking for quick cash at competitive rates, personal loans in Hyderabad are a much better alternative than credit cards. With flexible tenures, simple documentation, and super-fast approval windows, these loans can plug any major gap in your budget!

Documents And Eligibility Criteria For Personal Loans In Hyderabad From Qbera

The eligibility criteria for personal loans in Hyderabad will vary depending on your chosen lender. There are indeed some major differences in the eligibility parameters proposed by Banks and Fintech lenders. Banks, for instance, have exorbitant interest rates and extensive documentation requirements. They also require you to have a credit score of more than 700. Fintechs like Qbera, are much lenient. Not only do they for basic documents, but their credit score requirement too is much lower. Unlike banks, Qbera offers personal loans to people with a CIBIL score of 600 or more. Available in more than 900+ Indian cities, the platform is driven to simplify lending for the masses. 

Documentation Requirements:

  • A copy of your Aadhar card

  • A copy of your PAN card

  • Salary receipts over the last 3 months

  • Bank receipts over the last 6 months

  • Canceled cheques from your salary account

Eligibility Requirements:

  • A credit score of 600 or higher

  • Minimum salary of Rs 20,000 every month

  • Employment experience of at least six months

  • Age ranging from 23 years to 66 years

Unlike banks where you need to physically visit the branch for sending your documents, Qbera allows you to upload all relevant documents online. You can upload the scanned copies of your identification documents and the receipts of bank statements online. Since you can directly log in to your bank’s online portal from our website, downloading the statements is even easier. 

Loan Amounts and Tenures for Personal Loans in Hyderabad From Qbera

While there are many Fintech lenders that offer you loans as low as Rs 10,000 or as high as Rs 20,00,000 lakhs, it is best to choose a company depending on the amount you need. At Qbera, we offer immediate cash loans in India from Rs 1,00,000 to Rs 15,00,000. Our tenures extend from 1 year to 5 years.

Mistakes To Avoid While Taking A Personal Loan In Hyderabad From A Fintech Lending Company

To err is human! But when it comes to personal loans, even the smallest mistakes might have severe consequences. These mistakes can, however, be easily avoided with some simple cautionary pointers. Here’s what you should know: 

Not Checking Your Credit Score: This is one of the most common mistakes that most individuals are guilty of. Checking your credit score is especially important before taking a personal loan in Hyderabad because it helps you gauge where you financially stand. Unless you check this score, you wouldn’t know whether you’re eligible for a loan from the lender you’ve opted for. 

Applying On too Many Platforms: When you apply for too many personal loans in Hyderabad, your potential lenders will deem you as ‘credit hungry’. So, if you need quick cash, take some time out to shop for the best offers and only connect with the companies that you think might approve your application. 

Not Reading the Terms: Many lenders claim to offer you personal loans in less than an hour. Sadly, most of them come with multiple hidden terms. If you want to strike the best deal, do not fall prey to these unrealistic offers. Instead, check the fine print, read it, and ask all relevant questions before making the move. 

At Qbera, we do not make any unrealistic claims. In addition to offering you the best rates and flexible tenures, we also ensure that you have full clarity about the terms we offer. 

Not Considering the Eligibility Parameters: Very often people apply for personal loans with a credit score of 580 or less. The worst part: they apply for the loan despite being fully aware of the eligibility parameters. Remember, this is a terrible move as might put your credit score and financial reputation at stake. If you are not eligible for a loan, discuss your issue with the lending agency. Ask them for the reason of rejection. Once they clarify you about your weak spots, start working on them. Take at least 3 months to build your credit score before applying for a new personal loan in Hyderabad. 

Not Using The Loan For A Purpose: While personal loans are available without stating a purpose, it is important to have a proper reason for getting the money. If you do not have a purpose and are simply taking the loan for a lavish lifestyle, it might drag you in a debt cycle in the long run. 

Instant Personal Loans in Hyderabad- A Detailed Overview

If you’re looking for an immediate loan in Hyderabad, Fintech organizations like Qbera are your best bet. Most formal lending agencies emphasize stringent eligibility criteria while giving out unsecured applications. What’s more, they also take more than a week to approve and disburse the amount in your account. Such strict policies make no sense when you immediately need some cash. And this is where companies like Qbera enter the picture. Check our website to find your eligibility seconds. Finally, if you are indeed eligible, apply for the loan and expect the amount to be disbursed in 24 hours. 

Eligibility For Personal Loans in Hyderabad from Qbera

Salaried Individuals: For paying timely installments, you need a fixed and stable source of income. This is why Qbera only considers applications from salaried individuals. Since there’s no asset pledged in the process, your job status and tenure will have maximum relevance. 

Minimum Salary Requirement: Since you’ll need to pay monthly installments from your salary, it is important that you earn enough money to afford it. Ideally, your salary should cover both installments for the loan as well as your fixed monthly expenses. At Qbera, we offer personal loans in Hyderabad if your minimum take-home salary is Rs 20,000.

Age Group: At Qbera, you are eligible for the loan only if you fall under the age bracket of 23 to 55. We’ve strategically chosen 55 as the upper limit so that you still have ample time should you extend your tenure. 

Credit Score of 600 and Higher: Since immediate loans are fully unsecured here, your credit score gets the maximum importance. And although banks will not process applications for applicants with a low score (750 or less), Qbera doesn’t have any such term. We offer loans to individuals with a score of 600 or higher. Additionally, we also consider your socio-economic leanings before processing the approval.

Advantages Of Personal Loans in Hyderabad from Qbera

  • The biggest advantage of our loans lies in the low-interest rates. Starting from 11.99% p.a., our rates are one of the lowest in the industry. 

  • Since our repayment tenure extends to 5 years, it offers you to choose preferred time window and manageable installment amount. 

  • Powered by the latest technologies, we ensure super-fast approval and disbursals. Since our website is equally simple and user-friendly applying for a loan here is no hassle at all.

  • Since our loans are fully unsecured you do not have to pledge any asset to get it. Additionally, since we extend our support to low-credit score holders, you wouldn’t need a guarantor either. 

  • When it comes to documentation, we need the bare minimum. You can upload the scanned copies of all your documents on our application portal. 

  • Since our loans are multipurpose and need-based, you can use them for any given purpose. So, whether you are taking a fancy vacation, renovating your home, getting a bike, can used car, or are simply consolidating debts- a personal loan in Hyderabad can be used for all of it! 

Features of Qbera's Instant Personal Loan

  • Extremely quick and digital processing
    Qbera uses its proprietary Credit Risk Algorithm to evaluate credit risk and determine your loan eligibility in real-time, thereby allowing you to get instant approval on your loan application based on several parameters. Moreover, processing of the loan is done digitally, so are verification of your documents, identity, and address. 
  • Best interest rates in the market
    Qbera offers the best interest rates in the market. Note that the interest rate for your personal loan will, however, depend on your credit score and other closely relevant parameters. Interest rates start at 11.99% p.a. and can go up to 24% p.a. 
  • Loans for employees of unlisted companies
    Qbera provides loans to employees of unlisted companies. That is, if you are employed with a company that's not listed in the instant approval database of a traditional lender or a top bank, Qbera will offer you a loan. Traditional lenders like private banks usually do not offer loans to employees of companies that are not listed in their database. Listed companies are usually those that have credible market presence and reputation. 

Why Choose Qbera for an Inline Loan in Hyderabad ?

If you are looking for the perfect cash loan in Hyderabad, Qbera has the ideal solution. Here's why:

  • Loans for individuals with low credit scores
    Its alright if your credit score is low - Qbera provides personal loans in Hyderabad for individuals with a low credit score of 600. Just that you shouldn't have had instances of availed loans in the last 12 months. 
  • No security or collateral required
    A personal loan from Qbera doesn't require you to submit any form of collateral or security. Qbera's personal loans are unsecured loans, not secured loans. 
  • Repayment flexibility and flexibility in choosing tenure
    You have the flexibility to choose a tenure of your choice when you opt for a personal loan from Qbera. Tenures range from 12 months to 60 months. Repayments can be made through the auto-debit NACH facility, where the monthly repayment amount (EMI) will automatically be debited from your registered bank account. 

How to apply for an instant personal loan in Hyderabad with Qbera ?

The process of applying for an instant loan or an online personal loan in Hyderabad with Qbera is extremely simple. Here are the steps that you'll have to follow:

  • Login to the Qbera website - https://www.qbera.com/ and fill out your application details. 
  • Submit your bank statements through a secure channel with your netbanking details. 
  • Qbera will assess your eligibility real-time based on several parameters. 
  • Once you receive instant approval from Qbera, you will receive a customized loan offer in about 4-5 hours.
  • A representative from Qbera will visit you to collect your documents - this is done only if it is necessary to verify certain details. In most cases, verification of documents and information provided is done digitally. 
  • Once you receive final approval, you will get the amount disbursed to your registered bank account within 24 hours. 

Qbera may be of great help to you, especially when you need it the most. Apply now for a smart hassle-free loan in Hyderabad.

1. What is the tenure of a personal loan from Qbera?

The loan tenure at Qbera is a flexible one and it ranges from 1 to 5 years (12 to 60 months).

2. What is an EMI?

It is the fixed amount that a borrower pays to the lender on a particular date every month. An EMI includes the principal and interest charged on a loan.

3. What is the minimum and maximum loan amount that I can get from Qbera?

The loan amount ranges between Rs. 25,000 to Rs. 10 Lacs.

4. What is unique about Qbera?

Our technology and lending partnership allow us to offer a world-class experience to our borrowers:

  • Paperless application
  • Instant lending decision
  • Digital verification of income, employment and residence
  • Disbursement of loan within 24-48 hours

Our CIBIL score cut-off is 625 and we can give loans to employees of more than 9 lac companies in India. Now you don’t have to get rejected by banks just because they have not analyzed and categorized your employer.

5. What should be my age to apply for a loan with Qbera?

You must be at least 23 years old to apply for a loan.

6. What should be my minimum salary to get a loan?

Your net monthly income must be Rs. 20,000 or more.

7. What should be my CIBIL score cut-off for a personal loan?

Our CIBIL score cut-off is 625 (V2 score).

8. What is the rate of interest charged on a personal loan?

Rate of interest depends on a borrower’s income, CIBIL score, employer, age etc. Qbera collects information from your application form and various other data sources to create a personalized loan offer for you. Our interest rates start at 11.99%.

9. What is the eligibility criteria to get a loan from Qbera?

To get a loan from Qbera, a borrower should meet the following eligibility criteria:

  • Must be a salaried employee.
  • Age must be between 23-55 years.
  • Net monthly income must be Rs. 20,000 or more.
  • No defaults in the last 24 months.
  • You must be residing in Delhi/NCR, Bangalore, Pune, Chennai, Mumbai or Hyderabad.

10. How do I apply for a loan online?

To apply for a loan online, click here. For queries, please Whatsapp us on +91 89719 28484.

11. What are the documents required to get a loan from Qbera?

The following documents would be required after your loan is digitally approved:

  • Aadhar 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 Aadhar card)
  • Passport size photo

12. What is the processing fee charged on a personal loan by Qbera?

The processing fee ranges between 2% - 4%.

13. How can I repay my loan?

Qbera provides easy repayment of its smart loans through automatic debit of EMIs via NACH mandate.

14. Why was my loan application rejected at Qbera?

Although we have one of the best approval rates in the industry, we may have to reject some applications if they do not meet our basic qualification criteria. You can re-apply after 3 months in case you think that your credit profile has improved.

15. Can I re-apply for a loan?

Qbera requires you to wait for at least 3 months before re-applying for a personal loan.

16. How much time does Qbera take to process a loan application?

It will not take more than 10 minutes to fill up your online application form. Our technology allows us to disburse the approved loan amount within 24-48 hours.

17. Is part/prepayment allowed on my personal loan?

We do not allow part-payments. However, you can prepay your loan after completing 1 year of repayment. (Foreclosure charges: 5% + GST applicable).

18. Do I need to submit any collateral to get a personal loan from Qbera?

All personal loans offered by Qbera are unsecured. Hence, you need not submit any assets or property to secure a loan.

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: [email protected]
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
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MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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