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Home Renovation Loan

Home Renovation Loan

Is your house in dire need of a renovation? Or maybe it needs a simple flip and fixes to increase its renting value? What will you do in such a situation?

No need to think further. With Freo you can get approved for a line of credit and use the funds from it when you're in need of home improvement.

Freo Personal Loan for Home Renovation Features and Benefits

Receive real-time approval on a credit line of up to ₹ 5 Lakh.

Withdraw as little as ₹ 3,000 or as high as your approved limit, the choice is yours to make.

Pay interest only on the amount you withdraw and not on the entire amount allocated to you.

Freo credit card lets you enjoy 100% cash withdrawal as well as special rewards.

Repay in flexible EMIs by choosing a payment period that works for you which could be anywhere between 2 months to 36 months.

Your proof of address and ID proof are the only two documents we need to begin with.

How to Get Freo’s Personal Loan for Home Renovation

Step 1

Download & apply

Download the Freo app and complete your registration and loan application.

Step 2

Verify your details

After the approval from our system, we’ll schedule a KYC visit to your house / office to collect documents.

Step 3

Set your terms

Credit line is ready to use! From the approved limit, transfer as much money as you need to your bank account.

Step 4

Get your funds

Check Eligibility & Documents for Freo’s Home Renovation Loan

Who Can Apply

Indian resident, aged 22 to 55 years

Minimum net monthly income of ₹25,000

Both salaried & self-employed applicants eligible

Has a credit score of 650 or above

What You’ll Need

PAN card

For Identity and Credit Verification

ID proof

(Aadhaar Card, Passport or Driving Licence)

Address proof

(Aadhaar, Passport or Driving Licence)

Selfie via app

(for KYC)

How to Get Freo’s Personal Loan for Home Renovation

Step 1

Download & apply

Download the Freo app and complete your registration and loan application.

Step 2

Verify your details

Complete KYC with a selfie, confirm your employment and income details, and verify your bank account.

Step 3

Set your terms

Step 4

Get your funds

Check Eligibility & Documents for Freo’s Home Renovation Loan

Who Can Apply

Indian resident, aged 22 to 55 years

Minimum net monthly income of ₹25,000

Both salaried & self-employed applicants eligible

Has a credit score of 650 or above

What You’ll Need

PAN card

For Identity and Credit Verification

ID proof

(Aadhaar Card, Passport or Driving Licence)

Address proof

(Aadhaar, Passport
or Driving Licence)

Selfie via app

(for KYC)

How to Get Freo’s Personal Loan for Home Renovation

Step 1

Download & apply

Download the Freo app and complete your registration and loan application.

Step 2

Verify your details

Complete KYC with a selfie, confirm your employment and income details, and verify your bank account.

Step 3

Set your terms

Step 4

Get your funds

Check Eligibility & Documents for Freo’s Home Renovation Loan

Who Can Apply

Indian resident, aged 22 to 55 years

Minimum net monthly income of ₹25,000

Both salaried & self-employed applicants eligible

Has a credit score of 650 or above

What You’ll Need

PAN card

For Identity and Credit Verification

ID proof

(Aadhaar Card, Passport or Driving Licence)

Address proof

(Aadhaar, Passport
or Driving Licence)

Selfie via app

(for KYC)

How to Get Freo’s Personal Loan for Home Renovation

Step 1

Download & apply

Download the Freo app and complete your registration and loan application.

Step 2

Verify your details

Complete KYC with a selfie, confirm your employment and income details, and verify your bank account.

Step 3

Set your terms

Step 4

Get your funds

Check Eligibility & Documents for Freo’s Home Renovation Loan

Who Can Apply

Indian resident, aged 22 to 55 years

Minimum net monthly income of ₹25,000

Both salaried & self-employed applicants eligible

Has a credit score of 650 or above

What You’ll Need

PAN card

For Identity and Credit Verification

ID proof

(Aadhaar Card, Passport or Driving Licence)

Address proof

(Aadhaar, Passport
or Driving Licence)

Selfie via app

(for KYC)

Someone like you is happy with Freo

Someone like you is happy with Freo

Navjyoti

You can have credit cards but you have to pay hefty interest rates if you want to use them as a loan. You need to go for a personal loan if you need cash. But Freo credit has a kind of 2-in-1 facility that lets you withdraw cash when you need it and change it to EMI as well [with lower interest rates]. I think it's really helpful and unique.

Julen

The best feature on the app is instant feedback. You say "thank you" and it replies "welcome" - its' all done by the app. I have not seen this kind of intelligence in any other app. Absolutely love it.

N Cavin Misao

I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.

Navjyoti

You can have credit cards but you have to pay hefty interest rates if you want to use them as a loan. You need to go for a personal loan if you need cash. But Freo credit has a kind of 2-in-1 facility that lets you withdraw cash when you need it and change it to EMI as well [with lower interest rates]. I think it's really helpful and unique.

Julen

The best feature on the app is instant feedback. You say "thank you" and it replies "welcome" - its' all done by the app. I have not seen this kind of intelligence in any other app. Absolutely love it.

N Cavin Misao

I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.

Reasons You Are Here

  • Want to renovate your home but strapped for cash

  • Upgrade your existing home to a contemporary design

  • Furnish your new home and pay for fittings, furniture, etc.

  • Pay for your rent or down-payment

  • Want to get internal and external repairs

  • Want to expand your home

  • Need kitchen remodelling or fixing

  • Increase the resale value of your home with minor repairs

Home improvement is bound to pay off as it increases the property value of your home and can also help improve your lifestyle. Renovations can take up a lot of your cash and it isn’t wise to dip into your savings always. Instead, you can simply take advantage of home improvement loans and do the needful without impacting your overall financial liquidity using freo as we offer a line of credit that can be used as a personal loan or as a credit card for related purchases!

When to Consider a Personal Home Remodelling Loan?

  • You don’t have enough home equity to borrow against

  • You need a one-time loan for a smaller, single home improvement project

  • For minor or major renovations

  • You want to be able to budget for the same loan payments each month

  • You don’t want to utilize your existing savings on a home restoration project

Get the app for a seamless application process

Get the app for a seamless application process

With Freo's Personal Loan, you will have money available instantly 24x7 to use anytime, anywhere. Click below to experience its power.

Our journey so far

5 years and counting as India’s 1st app based Credit Line

5 years and counting as India’s 1st app based Credit Line

1.1M

Happy faces

1.1M

Happy faces

252K

Loans disbursed

252K

Loans disbursed

5

Years of service

5

Years of service

10M+

Years of service

10M+

Years of service

Home Renovation Loan FAQs

Home Renovation Loan FAQs

What is a home improvement loan?

What is the best way to finance home improvements?

How does a home repair loan work?

Why is freo a good option for renovation loans for home?

How much loan for home renovation can I get from freo?

How is EMI calculated on my house restoration loan?

What is the home remodelling loan interest rate charged by Freo?

Are home improvement loans tax deductible? Under which IT section can I claim it?

Make the Move

What are you waiting for?

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2026 MWYN Tech Pvt Ltd. All rights reserved.

Make the Move

What are you waiting for?

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MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2026 MWYN Tech Pvt Ltd. All rights reserved.

Make the Move

What are you waiting for?

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2026 MWYN Tech Pvt Ltd. All rights reserved.