Freo Pay – Pay Later App 4+

ZERO Interest for 30 Days

MyCash Fintech Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots


Get up to ₹10,000 from Freo Pay’s Pay Later App. 0% interest for 30 days.

Freo Pay is an easy to use Pay Later app which provides an instant amount of up to ₹10,000. This is one of the fastest digital payment apps with zero interest for 30 days. You can use this amount to pay for both online and offline merchants that accept payments by scanning QR codes.

You don't need to run after your friends or family to loan you some quick cash. We help people avoid awkward conversations about borrowing money. So, if you are looking for a friend who will lend you money without all the talking, the formalities, and the paperwork, stop right there!
You can just download the Freo Pay app and get approved for a quick postpaid amount up to Rs. 10,000, and use it to shop now and pay later. Freo Pay has your back for easy and quick payments!

With Freo Pay, you can shop today and pay back next month.

Simplify your shopping experience. Shop any time, anywhere, with the Freo Pay app. Your pay later app experience just stepped into the future. This scan now pay later app is a refreshing, convenient way to shop without having money deducted instantly from your bank account.

Do More with Freo Pay - Paylater App

Unlike credit cards, we don’t discriminate. We deliver an experience that’s faster and better.
We believe in simplicity. No paperwork. No questions asked. Your needs are prioritised.

Freo Pay offers you the freedom to take control of your daily financial needs.
The only payment app that offers easy and quick payments!

• Get the convenience to shop now and pay later
• You will never skip your monthly bills
• Scan and pay money anywhere in India
• Shop till you drop and pay us back later

With Freo Pay, Cash is the Past.

Our seamless technology will open doors to the fresh shopping experience. Unlock your Freo Pay scanner to use it for offline shopping. Buy groceries and pay at your local cafe without worrying about cash.

Catch up with your friends and pitch in for friends who often "Forget their wallet." Freo Pay is your go-to Pay Later app for simple bills or cheap thrills.

Why should I use Freo Pay

• Get 0% interest for 30 days
• Point, scan, and shop at any store in India
• Repay and reuse
• Quick money disbursal
• Digital KYC
• No hidden fees
• Get up to ₹10,000 in 5 minutes
• The great alternative for people without a credit card

Who Can Use Freo Pay?

Everyone. If you want to try any of the pay later apps, try Freo Pay!

You can point, scan and shop at any store in India that uses QR codes. Buy food, groceries, medicines, pay your utility bills and even book travel tickets. You can use Freo Pay to shop now and pay later with merchants who accept payments via PhonePe, Google Pay, Paytm, BharatPe, etc.

How do I use Freo Pay

Step 1: Download and install Freo Pay app
Step 2: Register and fill in the required information
Step 3: Your amount will be approved in minutes

After the approval, you can use Freo Pay at your favourite merchant shops and stores to scan now and pay later.

Q: How much amount do I get on Freo Pay

Instant approval for an amount ranges between ₹500 to ₹10,000, based on your profile.

Q: How much interest will I be charged for using Freo Pay

You get to enjoy your Freo Pay amount for 30-days interest-free!

Q: Can I send money to my friend with Freo Pay

Yes, you can use Freo Pay for peer-to-peer transactions.

Q: Can I withdraw money using Freo Pay

No, you can only use Freo Pay for outgoing transactions.

Want to shop now & pay later?
Too lazy to pull out and pay using your wallet?

You know our pay later payment app, Freo Pay!

Our lending partners are Lendbox - Transactree Technologies Pvt Ltd & Liquiloans - NDX Financials Services Pvt Ltd

From 01 Aug 2022, a flat 1% convenience fee + 18% GST will apply on all Freo Pay transactions, payable at the time of repayment of dues.
Eg. for Rs. 100 spent, Total Payable amount =Rs.100 + Rs.1 + Rs. 0.18 (GST) = Rs. 101.18

For queries:

What’s New

Version 2.5.8

Bug fixes and Tech Improvements

Ratings and Reviews

4.0 out of 5
2.4K Ratings

2.4K Ratings

Siva-Modi ,

Best App But Not Suitable For All phone

I Used Freo Pay For Few Days Only Especially From Last Month End To This Month Starting I Purchased Using Scan And Pay Two Times. And Credit Limit Decreased A’s Per Calculation. No Problem.
Next I Tried To Shop On More Time, But App Is Not Opening And Crashing In My iPhone Still. I Tried So Many Ways By All Necessary Work Such As Uninstalling And Reinstalling The App. But Still I Couldn’t Able To Log On And View My Credit Line And Pay The Outstanding Amount, I Mailed So Many Times With Screen Recorder To Freo Pay Customer Care, But Not Response, Coming Jan 5th I Have To Repay The New Generated Bills. I Don’t Know How To Do This. Got Stuck In Middle.

Developer Response ,

Hi Siva. We sincerely apologize for the inconvenience. We are unable to find your details here. Kindly share your registered email address on this link: ( We'd be glad to help you.

Naman01 ,

Fraud & Useless & pathetic & No customer Support

Whenever I try to pay a merchant The Money gets Deducted From the available limit but The transaction status comes In Processing your Transaction Now They don’t Even Have a Customer Support No. So You can just contact them directly my days Old payment is still in Processing Your payment Position now wonder what should I do All they have is Just a Customer Support where they’ll Ask you to submit a screenshot & Will Display a message That wait for 2-3 days Our Team will contact you. till date & They Even close the Problem tickets Without even Talking to customer for his Inconvenience Now No wonder what You Will Do Of this useless service All payments gets stucked always They Even charge convenience Fee to of 2% Minimum Still Their All payments Gets stucked Not sure if they’ll Charge that fee on failed Payment too but Freo is just a useless Platform Even LazyPay & Simpl are way better then freo atleast Their Payment always doesn’t get Stuck in mid between and They Have A Proper Customer Support team With their dedicated proper Customer Support No. On which you can Contact easily & tell them if anything wrong happens or something is glitching & They fix too but In freo there’s Isn’t even A Single contact no. Available to talk to about your issue none of their executives calls You and they even close the problem tickets too This is really a Pathetic exp for a customer
From freo side

Developer Response ,

Hi Naman. We apologize for any inconvenience you may have experienced. We have difficulty identifying your concern as we cannot locate your information in our system. To assist you better, please provide us with your registered email address by clicking on the following link: (

Komal Ratan ,

Worst experience

This is the first time I've used this app. The app had technical problems so I sent the screenshot to the email (hello@freopay).
They sent me an email that I'll get a response in 48-72 hours. Then after that I got a WhatsApp message from a number to pay the bill. I clearly mentioned that the app isn't working due to which I'm getting messages of late payment. Where should I make the payment? Then the person sent me the link on WhatsApp for the payment, for which I paid for it. Then after 3 days when the app started working I've been charged continuously on daily basis the penalty charges. I've sent like 15 emails about this issue, but it's all waste of time. Now for a small amount another person of this company is threatening me to pay the penalty which wasn't my fault for the delay. I hope I get a reply here after submitting the review. Stupid app!!! Don't use it!!!

Developer Response ,

Hi Komal. We apologize for any inconvenience you may have experienced. We have difficulty identifying your concern as we cannot locate your information in our system. To assist you better, please provide us with your registered email address by clicking on the following link: (

App Privacy

The developer, MyCash Fintech Pte Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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