Get Emergency Medical Loan Up to ₹5 Lakh with Freo
Get Emergency Medical Loan Up to ₹5 Lakh with Freo
Get Emergency Medical Loan Up to ₹5 Lakh with Freo
Get Emergency Medical Loan Up to ₹5 Lakh with Freo
Unexpected medical expenses shouldn't delay the care you need. Whether it's a planned surgery, emergency treatment, hospitalisation, medicines, or diagnostic tests, Freo's personal loan gives eligible users quick access to funds. Borrow only what you need from your approved limit and repay comfortably through flexible EMIs.
Unexpected medical expenses shouldn't delay the care you need. Whether it's a planned surgery, emergency treatment, hospitalisation, medicines, or diagnostic tests, Freo's personal loan gives eligible users quick access to funds. Borrow only what you need from your approved limit and repay comfortably through flexible EMIs.
30M+ Happy Customers
10,000 Cr in Hassle-free Loans Disbursed
100% Digital Process, No Paper Work
0 Collateral
30
Lakh+
Happy Customers
10,000
Crores
Loans Disbursed
100%
Safe and Secure.
RBI-Regulated Partners.
Lifetime Access
to Personal Loan
30
Lakh+
Happy Customers
10,000
Crores
Loans Disbursed
100%
Safe and Secure.
RBI-Regulated Partners.
Lifetime Access
to Personal Loan
30
Lakh+ Happy Customers
10,000
Crores Loans Disbursed
100%
Safe and Secure. RBI-Regulated Partners.
Lifetime Access to Personal Loan
What Can You Use Freo's Medical Loan For?
From Emergency Care to Planned Treatment with Flexible EMIs
From Emergency Care to Planned Treatment with Flexible EMIs
Emergency Hospitalisation
Cover unexpected hospitalisation and urgent medical care expenses.
Emergency Hospitalisation
Cover unexpected hospitalisation and urgent medical care expenses.
Emergency Hospitalisation
Cover unexpected hospitalisation and urgent medical care expenses.
Maternity Expenses
Help manage eligible maternity and related healthcare expenses.
Maternity Expenses
Help manage eligible maternity and related healthcare expenses.
Maternity Expenses
Help manage eligible maternity and related healthcare expenses.
Surgery Expenses
Manage the costs of planned or emergency surgeries and related treatment.
Surgery Expenses
Manage the costs of planned or emergency surgeries and related treatment.
Surgery Expenses
Manage the costs of planned or emergency surgeries and related treatment.
Eye Procedures
Cover costs associated with eligible eye treatments and procedures.
Eye Procedures
Cover costs associated with eligible eye treatments and procedures.
Eye Procedures
Cover costs associated with eligible eye treatments and procedures.
Eye Procedures
Cover costs associated with eligible eye treatments and procedures.
Doctor Consultation
Pay for consultation fees, specialist visits, and medical advice.
Doctor Consultation
Pay for consultation fees, specialist visits, and medical advice.
Doctor Consultation
Pay for consultation fees, specialist visits, and medical advice.
Physiotherapy
Manage expenses for physiotherapy sessions and rehabilitation care.
Physiotherapy
Manage expenses for physiotherapy sessions and rehabilitation care.
Physiotherapy
Manage expenses for physiotherapy sessions and rehabilitation care.
Diagnostic Tests
Cover expenses for blood tests, scans, X-rays, and other diagnostic procedures.
Diagnostic Tests
Cover expenses for blood tests, scans, X-rays, and other diagnostic procedures.
Diagnostic Tests
Cover expenses for blood tests, scans, X-rays, and other diagnostic procedures.
Insurance Payment Gap
Help cover eligible medical expenses not fully covered by your health insurance.
Insurance Payment Gap
Help cover eligible medical expenses not fully covered by your health insurance.
Insurance Payment Gap
Help cover eligible medical expenses not fully covered by your health insurance.
Insurance Payment Gap
Help cover eligible medical expenses not fully covered by your health insurance.
Medicines
Manage the cost of prescribed medicines and ongoing medication.
Medicines
Manage the cost of prescribed medicines and ongoing medication.
Medicines
Manage the cost of prescribed medicines and ongoing medication.
Medical Equipment
Switch to a faster laptop with better features and performance.
Medical Equipment
Switch to a faster laptop with better features and performance.
Medical Equipment
Switch to a faster laptop with better features and performance.
Dental Treatment
Finance expenses for dental procedures, treatments, and related care.
Dental Treatment
Finance expenses for dental procedures, treatments, and related care.
Dental Treatment
Finance expenses for dental procedures, treatments, and related care.
Follow-up Treatment
Manage ongoing consultations, tests, medicines, & other follow-up care expenses.
Follow-up Treatment
Manage ongoing consultations, tests, medicines, & other follow-up care expenses.
Follow-up Treatment
Manage ongoing consultations, tests, medicines, & other follow-up care expenses.
Follow-up Treatment
Manage ongoing consultations, tests, medicines, & other follow-up care expenses.
Medical Loan EMI Calculator
Estimate your EMI and choose a repayment plan that fits your budget
Estimate your EMI and choose a repayment plan that fits your budget
How to Get a Medical Loan from Freo
How to Get a Medical Loan from Freo
Step 1
Download and 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
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 Medical Loan
Check Eligibility & Documents for Freo’s Medical 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)
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)
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)
Trusted & used by 30M+ users
5 star rating
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
Trusted & used by 30M+ users
5 star rating
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
Trusted & used by 30M+ users
5 star rating
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
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.
Julen
Customer
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.
Navjyoti
Customer
I was short of Rs. 30,000 for the down payment on my car. I used MoneyTap and got the money immediately. Thank you.
N cavin misao
Customer
Why Choose Freo for a Medical Loan
Why Choose Freo for a Medical Loan
Instant Loan Approval & Disbursal
Apply online in just a few steps. Once your loan is approved, the funds are transferred directly to your bank account.
Instant Loan Approval & Disbursal
Apply online in just a few steps. Once your loan is approved, the funds are transferred directly to your bank account.
Loan Amount Up to ₹5 Lakh
Loan Amount Up to ₹5 Lakh
Flexible Repayment Options
Flexible Repayment Options
Quick Digital Verification
Quick Digital Verification
Minimal Documentation
Minimal Documentation
Wide Range of Medical Uses
Wide Range of Medical Uses
Top-Up Loan Access
Top-Up Loan Access
Safe & Secure
Safe & Secure
Freo’s Medical Loan Fees & Charges
Freo’s Medical Loan Fees & Charges
Understand the applicable interest rate, processing fees, and other charges before applying for a Freo Medical Loan.
Understand the applicable interest rate, processing fees, and other charges before applying for a Freo Medical Loan.
| Type of Charge | Applicable Amount |
|---|---|
| Interest Rate | Starting at 12% p.a. / approx. 1% per month |
| Processing Fee | Starting at 2% of the loan amount, charged upfront at disbursal |
| Late Payment / Overdue EMI Interest | Up to 3% per month on the outstanding principal |
| Foreclosure Charges | Up to 3–4% of the outstanding amount in certain cases. No lock-in period; loan can be closed anytime. |
| Documentation Fee | May apply based on the user profile |
| ECS / Payment Bounce Charge | May apply based on user profile and repayment behaviour |
| GST | Applicable as per government and regulatory guidelines |
| Loan Tenure | 3 to 48 Months |
| Type of Charge | Applicable Amount |
|---|---|
| Interest Rate | Starting at 12% p.a. / approx. 1% per month |
| Processing Fee | Starting at 2% of the loan amount, charged upfront at disbursal |
| Late Payment / Overdue EMI Interest | Up to 3% per month on the outstanding principal |
| Foreclosure Charges | Up to 3–4% of the outstanding amount in certain cases. No lock-in period; loan can be closed anytime. |
| Documentation Fee | May apply based on the user profile |
| ECS / Payment Bounce Charge | May apply based on user profile and repayment behaviour |
| GST | Applicable as per government and regulatory guidelines |
| Loan Tenure | 3 to 48 Months |
| Type of Charge | Applicable Amount |
|---|---|
| Interest Rate | Starting at 12% p.a. / approx. 1% per month |
| Processing Fee | Starting at 2% of the loan amount, charged upfront at disbursal |
| Late Payment / Overdue EMI Interest | Up to 3% per month on the outstanding principal |
| Foreclosure Charges | Up to 3–4% of the outstanding amount in certain cases. No lock-in period; loan can be closed anytime. |
| Documentation Fee | May apply based on the user profile |
| ECS / Payment Bounce Charge | May apply based on user profile and repayment behaviour |
| GST | Applicable as per government and regulatory guidelines |
| Loan Tenure | 3 to 48 Months |
FAQs About Medical Loan
FAQs About Medical Loan
What is a medical loan?
Can I take a personal loan for medical expenses?
Can I take a loan for surgery?
Can I get an emergency medical loan?
Can I use a medical loan for hospital bills?
Can I take a medical loan if I already have health insurance?
What medical expenses can I use a Freo loan for?
What is the interest rate for a medical loan?
What are the eligibility criteria for a medical loan?
What documents are required for a medical loan?
How quickly can I get a medical loan from Freo?
Do I need collateral for a medical loan?
Will taking a medical loan affect my CIBIL score?
Can I repay my medical loan early?
Need Funds for Something Else?
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?
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.