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Home Renovation Loan

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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%.

Home Renovation Loan

Instant Loan for Home Improvement: Overview

Do you already have few ideas to fix some areas in your home? Why not do it now? Is it the lack of money holding you back? No more delays! An instant online loan for home renovation from Qbera can help you with those instant funds. You can save a large part of your income that you may have planned to invest in a new home.

It is not always the entire home we want to change. If a few changes in the kitchen and a new plaster in the hall room is all you want, then a home renovation loan is the best solution. At Qbera, we offer instant loans online to salaried individuals earning Rs. 20,000 a month.  

A home improvement loan worth Rs. 25,000 to Rs. 10 lakh can be availed online from Qbera.com at an attractive interest rate falling anywhere between 11.99% and 24%.  

Features & Benefits of a Qbera Home Renovation Loan

1. Digital processing

The entire loan application process at Qbera is completely digital. While you fill up the online application form, you can directly upload the necessary documents online which are again verified digitally. So no more visiting banks to submit physical documents.

2. Collateral-free

When you apply for an instant loan for home renovation at Qbera.com, you need not pledge any assets as security. We offer online loans to salaried individuals earning a decent income of Rs. 20,000 a month while verifying other factors such as age, employment, residence etc.

3. Low Credit Score? Not a problem.

It is said that to get a personal loan online, you need to have a credit score which is beyond 750. But at Qbera, we do not assess the creditworthiness of a borrower merely on a credit score. Our CIBIL score cut off is 600. We have our own risk-based algorithm to verify your future potential.

4. Quick disbursal

With our constant efforts to reduce the turnaround-time, we have successfully disbursed instant loans online within 24 hours.

5. Tailor-made options

Get access to innumerable options of home renovation loans that fit your needs. An instant loan for home renovation can be used for any kind of renovation in your home. For example for making a balcony, to extend a room or for flooring etc.

Interest Rates

At Qbera, interest rate of Personal loan for home renovation is always competitive as per the ones offered in the market and it ranges between 11.99-24%.

Qbera EMI Calculator

Knowing your EMI when you apply for an instant loan for home improvement will help you plan your future payments in a better way. We offer one of the easiest EMI calculators online through which you can calculate your EMI within few minutes. Feed the values of your monthly income, your current EMIs (if any) and the loan amount. Our EMI calculation is completely transparent and error-free. 

1. What is the loan amount that I can take?

You can avail a loan amount starting from Rs. 25,000 to Rs. 10 lakh.

2. What is the minimum income I need to have to apply for a home renovation loan?

You should earn at least Rs. 20,000 a month to avail an instant loan for home renovation.

3. What is the interest rate charged for home renovation loan?

The interest rate for home renovation loan ranges between 11.99 - 24%.

4. In how much time shall I repay the home improvement loan?

At Qbera, we allow our customers to choose from a flexible loan tenure of 6 to 60 months.

5. What is the processing fee for home renovation loan?

The processing fee for home renovation loan is very negligible and ranges between 2-4%.


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
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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