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ExtraLend - Best Personal Loans … If you want to get your instant cash loan in 1 hour, you should meet the following eligibility criteria: The minimum age to qualify for an instant cash loan with Qbera is 23 years. Whilst your final assessment is done by a Moneyspot credit officer there is a high degree of automation in collecting your application … Like ‘same day’ fast. Interest rate. Loans. Comparison rate from p.a. It is regular to have uncertainties prior to you get going with the payday loan … Processing and loan disbursal is very fast in the online personal loan which is generally from 2 to 4 hours, but in the case of conventional personal loans the processing takes much more time and that can be between 4t o 5 days depending on the financial institution with which you have applied. However, we determine the proportion of the instalment which relates to the payment of the principal amount and the interest amount for each instalment using monthly rest and reducing balance method. 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