Get Instant Personal Loan Online Up to ₹5 Lakh
Get Instant Personal Loan Online Up to ₹5 Lakh
Get Instant Personal Loan Online Up to ₹5 Lakh
Get Instant Personal Loan Online Up to ₹5 Lakh
Apply online, and in minutes get the money you need with a simple, 100% digital process. Borrow what you need and pay interest only on the amount you use.
Apply online, and in minutes get the money you need with a simple, 100% digital process. Borrow what you need and pay interest only on the amount you use.
Interest rates starting from 1% p.m
Approval under 5 minutes
Flexible repayment up to 48 months
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
Eligibility
Check If
You’re Eligible
Check If You’re Eligible
Check If You’re Eligible
See if you meet the basic requirements before you apply.
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
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
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
Calculation
Personal Loan EMI Calculator
Check If You’re Eligible
Check If You’re Eligible
Enter your loan amount and tenure to see your estimated monthly EMI in seconds.
Why Get a Personal Loan With Freo?
Why Get a Personal Loan With Freo?
Instant Approval
Instant Approval
Get your loan approved in under 5 minutes.
Borrow ₹3k to ₹5 Lakh
Borrow ₹3k to ₹5 Lakh
Borrow what you need. Pay interest only on what you use.
Flexible Repayment
Flexible Repayment
Choose from repayment tenures of 3 to 48 months.
No Paperwork
No Paperwork
Just PAN, Aadhaar, and a selfie. No documents, no branch visit.
No Collateral Required
No Collateral Required
Get a personal loan without putting any assets as security.
Transparent Charges
Transparent Charges
See the applicable interest rate, fees & charges before you confirm your loan.
Quick Disbursal
Quick Disbursal
Approved funds are disbursed immediately to your bank account.
Competitive Interest Rates
Competitive Interest Rates
Borrow at interest rates starting from 12% per annum.
Top-up Loan Option
Top-up Loan Option
Eligible customers can opt for a top-up loan after repayment.
From quick approvals to flexible repayment, Freo keeps borrowing simple.
From quick approvals to flexible repayment, Freo keeps borrowing simple.
How to Get a Quick Personal Loan with Freo
How to Get a Quick Personal Loan with 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
Selfie via app
(for KYC)
Selfie via app
(for KYC)
PAN Card
For Identity and Credit Verification
ID Proof
Aadhaar Card, Passport or Driving Licence
Address Proof
Aadhaar, Passport or Driving Licence
What Documents Do You Need to Apply?
A few basic documents are all you need to get started with your personal loan application.
Explore Personal Loans That Fit Your Needs
Explore Personal Loans That Fit Your Needs
Browse personal loan options by need, profile, and amount.
Browse personal loan options by need, profile, and amount.
By Need
Choose a personal loan based on your specific financial needs.
By Borrower Type
Explore loan options based on your work or income profile.
By Loan Amount
Borrow the amount you need, from ₹3,000 up to ₹5 lakh.
Travel Loan
Turn your travel plans into reality.
Home Renovation Loan
Give your home the upgrade it deserves.
Medical Loan
Get financial support for medical emergencies.
Marriage Loan
Make your big day easier to fund.
Consumer Durable Loan
Bring home the essentials you need.
Used Car Loan
Drive home a pre-owned car with ease.
Student Loan
Fund your education and future goals.
Debt Consolidation Loan
Combine multiple debts into one easy repayment plan.
Mobile Loan
Upgrade your phone with easy EMIs
Used Bike Loan
Finance a pre-owned ride with ease.
Laptop Loan
Get the laptop you need with easy finance.
By Need
Choose a personal loan based on your specific financial needs.
Travel Loan
Turn your travel plans into reality.
Home Renovation Loan
Give your home the upgrade it deserves.
Medical Loan
Get financial support for medical emergencies.
Marriage Loan
Make your big day easier to fund.
Consumer Durable Loan
Bring home the essentials you need.
Used Car Loan
Drive home a pre-owned car with ease.
Student Loan
Fund your education and future goals.
Used Bike Loan
Finance a pre-owned ride with ease.
Debt Consolidation Loan
Combine multiple debts into one easy repayment plan.
Laptop Loan
Get the laptop you need with easy financing.
Mobile Loan
Upgrade your phone with easy EMIs
By Borrower Type
Explore loan options based on your work or income profile.
By Loan Amount
Borrow the amount you need, from ₹3,000 up to ₹5 lakh.
By Need
Choose a personal loan based on your specific financial needs.
By Borrower Type
Explore loan options based on your work or income profile.
By Loan Amount
Borrow the amount you need, from ₹3,000 up to ₹5 lakh.
Travel Loan
Turn your travel plans into reality.
Home Renovation Loan
Give your home the upgrade it deserves.
Medical Loan
Get financial support for medical emergencies.
Marriage Loan
Make your big day easier to fund.
Consumer Durable Loan
Bring home the essentials you need.
Used Car Loan
Drive home a pre-owned car with ease.
Student Loan
Fund your education and future goals.
Debt Consolidation Loan
Combine multiple debts into one easy repayment plan.
Mobile Loan
Upgrade your phone with easy EMIs
Used Bike Loan
Finance a pre-owned ride with ease.
Laptop Loan
Get the laptop you need with easy finance.
By Need
Choose a personal loan based on your specific financial needs.
Travel Loan
Turn your travel plans into reality.
Home Renovation Loan
Give your home the upgrade it deserves.
Medical Loan
Get financial support for medical emergencies.
Marriage Loan
Make your big day easier to fund.
Consumer Durable Loan
Bring home the essentials you need.
Used Car Loan
Drive home a pre-owned car with ease.
Student Loan
Fund your education and future goals.
Used Bike Loan
Finance a pre-owned ride with ease.
Debt Consolidation Loan
Combine multiple debts into one easy repayment plan.
Laptop Loan
Get the laptop you need with easy financing.
Mobile Loan
Upgrade your phone with easy EMIs
By Borrower Type
Explore loan options based on your work or income profile.
By Loan Amount
Borrow the amount you need, from ₹3,000 up to ₹5 lakh.
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
Freo Personal Loan Fees and Charges
Freo Personal Loan Fees and Charges
Understand the interest rate, fees and other applicable charges before applying for a Freo loan.
Understand the interest rate, fees and other applicable charges before applying for a Freo 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 |
Get up to ₹5 Lakh, Instantly
Get up to ₹5 Lakh, Instantly
Get up to ₹5 Lakh, Instantly
Get up to ₹5 Lakh, Instantly
No collateral. No paperwork. Get a Freo Personal Loan through a simple online application, with approval in under 5 minutes.
No collateral. No paperwork. Get a Freo Personal Loan through a simple online application, with approval in under 5 minutes.
No collateral. No paperwork. Get a Freo Personal Loan through a simple online application, with approval in under 5 minutes.
No collateral. No paperwork. Get a Freo Personal Loan through a simple online application, with approval in under 5 minutes.
Freo Personal Loan FAQs
Freo Personal Loan FAQs
Am I eligible for a Freo Personal Loan?
What credit score do I need for a Freo Personal Loan?
What is the minimum income required for a Freo Personal Loan?
Can I get a Freo Personal Loan if I am self-employed?
What factors affect my personal loan eligibility?
What is a personal loan?
What are the different types of personal loans that Freo offers?
How does Freo's Personal Loan work?
How much personal loan can I get from Freo?
How quickly can I get a Freo Personal Loan?
Can I apply for a personal loan completely online?
Can I get an instant personal loan without paperwork?
What documents do I need for a Freo Personal Loan?
Do I need to download the Freo app to get a personal loan?
Do I need collateral or a guarantor?
Do I need a bank account to get a Freo Personal Loan?
Can I get a personal loan without a salary slip?
Can I get a Freo Personal Loan using my Aadhaar and PAN?
What interest rate does Freo charge on personal loans?
What determines the interest rate I get?
What is the processing fee for a Freo Personal Loan?
Are there any hidden charges when applying for a Freo Personal Loan?
What factors should you consider before applying for a personal loan?
What is the difference between reducing and flat interest rates?
Can I choose my repayment tenure?
How will I repay my Freo Personal Loan?
Will my EMI be auto-debited from my bank account?
Can I repay my personal loan early?
What is the difference between foreclosure and part-payment?
What happens if I miss an EMI?
Can I get a top-up loan after repaying my existing loan?
How do I keep track of my transactions for Freo's Personal Loan?
Is Freo RBI registered?
Will taking a Freo Personal Loan affect my credit score?
Is my data safe with Freo?
What is the best way to contact 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?
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.