--- title: "Freo - UPI, Insurance, Loans - Reviews, Revenue and Downloads in India | Apple App Store" description: "Freo App, where you can Pay, Invest, Borrow and Insure, all within a single app. UPI Payments – Faster, Smoother, Better! With Freo - Scan & pay across India - UPI Payments, Bank to Bank Transfer, Me" --- # Freo - UPI, Insurance, Loans — India > Your All-in-One Money App ![Freo App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/66/59/00/6659004b-cb4c-aa15-2e84-020dc68ba022/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/434x0w.png) **Developer:** [MyCash Fintech Pte](https://apptail.io/developer/mycash-fintech-pte-Ewlb) **Category:** Finance **Rating:** 3.9/5 (4,668 ratings) **Price:** Free **Bundle ID:** com.mycash.bnpl.iosapp **Store:** Apple App Store **Country:** India **Version:** 3.6.7 (released 2026-10-14) **Original Release:** 2021-10-27 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id1588894115) **AppTail Page:** [https://apptail.io/app/freo-upi-insurance-loans-gNLe/india](https://apptail.io/app/freo-upi-insurance-loans-gNLe/india) ## Freo Description Freo App, where you can Pay, Invest, Borrow and Insure, all within a single app. UPI Payments – Faster, Smoother, Better! With Freo - Scan & pay across India - UPI Payments, Bank to Bank Transfer, Merchant Payment Account to Account Transfer, Bill Payment, QR Scanning - Powered by UPI Link your bank account on Freo app to transfer money with BHIM UPI instantly! Freo app is safe, secure, meets all your payment, investment, insurance & banking needs. Freo allows you to: • Money Transfer with BHIM UPI • Check Bank Account Balance • Manage Multiple Bank Accounts in Freo app • Save Beneficiaries across banks • Make Offline Payments (Scan & Pay via QR Code at local stores like kirana, food, medicines etc.) • Make Online Payments (food-grocery orders, shopping, travel bookings) • Pay for Recharges (Prepaid-Postpaid mobile bills, Cable-OTT, Wi-Fi) • Pay your utility bills (Gas, Electricity, Water etc.) As one of India's top Finance Apps, Freo with its smooth payment feature, allows instant access to money for your financial needs. Borrow flexibly with Freo (formerly MoneyTap) A Personal Loan with Freo stands out as we charge interest only on the amount you borrow, not the full approved amount. Our Most Loved Features • Borrow small or big (any amount from ₹3,000 to ₹5 lakhs) • Pay interest only on the amount you use • Instant loans with no collateral risk • 100% digital & paperless process • Flexible EMIs Loan Terms: • Amount: ₹3,000 to ₹5 lakhs • Interest rates: 12% to 36% per annum • APR: 10% to 70% • Tenures: 3 to 36 months • Low processing & line setup fees For ₹1,00,000 personal loan, for 1 year, @13% per annum*, a user would pay: - Processing fee (at 2%) = ₹2,000 + GST = ₹2,360 - Setup fee of ₹999+GST = ₹1181/- to be paid upfront - Interest = ₹7,181 - EMI = ₹8,932 Total amount to pay = ₹1,10,725/- *Interest Rate varies based on your risk profile. Only a fraction of our customers get an interest rate higher than 30% p.a. Our Lending Partners: → SMFG India Credit Co. Ltd. (Formerly Fullerton India Credit Company Limited) → Incred Capital Financial Services Pvt Ltd → Kisetsu Saison Finance (India) Private Limited → Cholamandalam Investment and Finance Company → Transactree Technologies Pvt Ltd → Tapstart Capital Pvt Ltd. Our Partners: → YES Bank - YES Bank Ltd. → Equitas SFB - Equitas Small Finance Bank → Lendbox - Transactree Technologies Pvt Ltd → Liquiloans - NDX Financials Services Pvt Ltd Gold Investment – Start with Just ₹10! • Invest in 24K gold starting from as little as ₹10 • No hassle of physical storage—buy & sell anytime, anywhere • Haven’t invested in gold yet? Start small, start now with just ₹10 and turn your savings into something precious! Insurance – Protect What Matters • Curated insurance plans for life’s uncertainties • Coverage for vector-borne diseases like Malaria & Dengue • Daily cash benefits during hospitalization • Comprehensive vehicle insurance for cars and bikes • Women-centric health plans for specific healthcare needs • Pet insurance to protect your furry friends • Secure your valuables and big purchases with peace of mind • Affordable, tailored protection for all. Haven’t secured your future? Explore Freo’s insurance options now! Fixed Deposits – High-Return Rates • Instantly book FDs from ₹1,000/- with returns up to 9%* • Guaranteed growth with flexible tenures to suit your needs • Choose from trusted banks & institutions for reliable investments • Enjoy peace of mind with guaranteed returns. Start growing your money today! Freo’s products are designed to help you get started with ease. Haven’t explored them yet? Start small, start now, and experience the difference for yourself! Contact: hello@freo.money ## Freo Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/cd/d6/05/cdd605ca-7e0d-dff4-910e-cf423fe5a93d/8af902cd-0b2b-4c0f-b3a3-207e0863bea8_Main-Screen_6.5.png/1284x2778.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/52/c8/eb/52c8ebd0-123c-9f38-fd36-4b6eb9dea0b2/b16088d7-0826-41b9-8062-2f829cf5dbce_app_6_5_UPI.png/1284x2778.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/81/93/90/81939086-ce2a-ccf5-d91e-8e76031b835c/7de658ba-c0f6-40e5-ad1e-4cdd51b64027_Freo_Insurance_6.5.png/1284x2778.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b6/5e/2e/b65e2e08-33fa-f8a0-efbe-09d97478bdc3/0959ec32-226b-4a13-bda9-c194bee4edba_Freo_Gold_6.5.png/1284x2778.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/7d/41/f1/7d41f174-4042-7b61-2e0f-6097129b5e78/757c5660-be68-4f06-801d-d60c4a084adb_Freo_FD_6.5.png/1284x2778.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e3/ca/75/e3ca7522-4c45-5abf-8f9c-e81a6f7d6faa/32ae3c9f-d46e-4d9a-81e3-889c67ecf597_app_6_5_4.png/1284x2778.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b5/60/78/b56078dd-c204-cc00-baeb-62f4c63dbaca/ccbb031d-1d93-41a9-9a2b-7b0405272910_app_6_5_1.png/1284x2778.png) ## Freo Rating Breakdown in India - 5 stars: 3,025 (65%) - 4 stars: 290 (6%) - 3 stars: 114 (2%) - 2 stars: 109 (2%) - 1 stars: 1,130 (24%) ## Freo Reviews in India ### ***** "Good" 5 star -- Lv SANGHA, 2025-01-07 ### **--- "You better be really desperate" Accidentally missed payment and the next day I got around 12 automated calls, whatsapp messages from 2 people threatening to “visit your house to talk”. They add insurance and other random charges and you’ve to then unselect it at the time of payment. Only use it if you absolutely have no other option. -- SahilGulati8, 2025-01-07 ### *---- "No fast response" I almost given my pay later on time but when I applied again it’s been 3 days my loan disbursement not been completed disgusting -- Lauda lund ka baaal, 2025-01-07 ### *---- "Bad service" Id paid bill on time every month. This time when i was adding money in paylater it shows temporary disabled. Wgat is this yr -- Abhi Mishr, 2025-01-05 ### *---- "Not worthy" I have used freo app for more than a year i have always cleared my due amount on or before time buy its sad that freo is not allowing me to borrow again even having a good credit of 770+.leaving no choice i have to stop using this app and as it is of no use now. Thanks Yashwant Thakur -- q111311, 2025-01-04 ### ***** "Freo" Very easy to get case and easy to repay -- Babu 2327, 2025-01-04 ### ***** "Excellent" Excellent -- Helping line, 2025-01-03 ### ***** "It’s very helpful for me" It’s very fast, debited to Account and our critical moment, very helpful for me, thank you, Freo team -- VAG Thakur, 2025-01-02 ### *---- "This app is fake" This app is fake -- ishaque19, 2025-01-01 ### *---- "disgusting loan application" they just make u pay twice even when u pay emi at time -- 215manisg, 2025-01-01 [View all Freo reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Freo Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | India | Finance | #213 | ## Freo Discovered Keywords - grocery iq - gas log - upi - loans - insurance - freo ## Apps Similar to Freo - [Stashfin UPI, Pay Bills, Loans](https://apptail.io/app/stashfin-upi-pay-bills-loans-zPm/india) - [PayMe - Personal loan app](https://apptail.io/app/payme-personal-loan-app-SUm/india) - [Pocketly Instant Personal Loan](https://apptail.io/app/pocketly-instant-personal-loan-LJK/india) - [IndiaLends-Loans, Credit Score](https://apptail.io/app/indialends-loans-credit-score-keN/india) - [Creditt+ Instant Personal Loan](https://apptail.io/app/creditt-instant-personal-loan-Jnxe/india) - [Capital Now: Instant Loan App](https://apptail.io/app/capital-now-instant-loan-app-Nnxe/india) - [Niro Money - Personal Loans](https://apptail.io/app/niro-money-personal-loans-Sxrf/india) - [Lenditt: Personal Loan App](https://apptail.io/app/lenditt-personal-loan-app-uArf/india) - [Finnable](https://apptail.io/app/finnable-AArf/india) - [Zype Instant Personal Loan App](https://apptail.io/app/zype-instant-personal-loan-app-VWwn/india) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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