Medical Loan

Medical emergencies can be extremely frightening, especially if you are unprepared! While many people have started investing in medical insurance, a large number of people are still uncovered, especially for emergencies. And at times, even insurance will not cover certain medical expenses.

Freo Medical Loan Features & Benefits

Get approved in real-time for a line of credit of up to ₹ 5 Lakh.

Take ₹ 3,000 or as high as your approved limit depending on what you need to spend on.

Use funds when needed and pay interest on what you use.

An option of swiping the credit card that has a 100% cash withdrawal while you get rewards.

Flexible EMIs between 2 months to 36 months that you can choose from

Required documents include a valid ID proof and an accepted proof of residence.

How to Get Freo’s Personal Loan for Medical

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

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 Medical

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 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)

How to Get Freo’s Personal Loan for Medical

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 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)

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)

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

  • Dental or orthodontic treatment

  • Emergency surgeries, treatments or procedures

  • Cosmetic procedures

  • Prolonged treatments

  • Accidents

  • To pay additional bills or for medication, etc.

More often than not, medical procedures are expensive and can literally drain you of your money. However, with freo credit, taking a personal loan for a medical purpose will not create a financial imbalance for you.

Why Taking a Personal Medical Loan Makes Sense?

  • When you don’t have medical insurance or if the insurance policy does not cover all the expenses, medical loans prove to be a saving grace.

  • A medical loan is a big help when you need to pay for the doctor’s fees, medical bills, hospital stay or a surgical procedure immediately.

  • It is a low-cost alternative to using your credit cards to pay for medical expenses.

  • An emergency loan or a personal loan t works well if you’re planning a series of medical procedures. It helps you budget and control medical costs while allowing you to repay the loan amount over a loan term with easy monthly payments options.

Financial Tips for Medical Needs

  • Explore all the types of personal loans available on the market and identify the one that best suits your personal needs.

  • Make sure you plan ahead and set aside a budget for repaying the medical credit while you continue to get the treatment done.

  • Select your Mediclaim wisely.

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

Medical Loan FAQs

Medical Loan FAQs

What is a medical loan?

Can I take a loan for medical expenses?

Can I take a loan for a surgery?

What are the best health financing options in India?

Does it make sense to get a personal loan for a medical emergency?

Why is it a good idea to get freo personal medical loan?

How do I apply for a medical/health loan from Freo?

What is the medical loan interest rate charged by freo?

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?

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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.