Freo Pay - Save - Borrow 4+

One app to Pay-Save-Borrow

MyCash Fintech Pte Ltd

Designed for iPhone

    • Free

iPhone Screenshots


Freo App, where you can Pay, Save, and Borrow, all within a single application.

Simplify your financial life with one app that caters to all your needs - whether it's making purchases, saving for the future, or accessing credit lines.

Shop Now, Pay Later with Freo (formerly Freo Pay)

As one of India's top Payments Apps, Freo with its smooth pay later feature, allows instant access to up to ₹10,000 for your shopping needs (online + offline). One can pay merchants by scanning QR codes today & repay the bill later.

With Freo, enjoy: Zero Interest, Maximum Convenience!

• Shop to your heart's content, repay later
• Manage monthly bills effortlessly
• Scan & pay across India

Freo is your go-to app for quick & easy payments. It helps you to pay utility bills (Gas, Electricity, Water, Prepaid-Postpaid mobile bills, Recharges, Cable-OTT, Wi-Fi etc.)

Credit on UPI with Freo RuPay Cards
• Get Freo Yes Bank Credit Card (Rupay) that lets you 'Scan & Pay with credit'

With Freo, say goodbye to cash hassles.

Partners: Lendbox - Transactree Technologies Pvt Ltd & Liquiloans - NDX Financials Services Pvt Ltd


Borrow flexibly with Freo (formerly MoneyTap)

Need a personal loan or a flexible credit line? Borrowing within the Freo App offers the convenience of choosing from ₹3,000 to ₹5 lakhs credit lines at competitive interest rates, with minimal processing fees & flexible EMI options.

A loan with Freo stands out as we charge interest only on the amount you borrow, not the full credit line approved.

Features include:
• Ability to borrow any amount from your approved credit line
• Pay interest only on the amount you use
• Instant personal loans with no collateral risk
• A fully digital & paperless process
• Choose your own flexible EMIs

Loan Terms:
• Loan amounts: ₹3,000 to ₹5 lakhs
• Interest rates: 12% to 36% per annum
• APR: 10% to 70%
• EMI tenures: 3 to 36 months
• Low processing & line setup fees

For ₹1,00,000 personal loan borrowed for 1 year, @ interest rate 13% per annum*, a user would pay:
- Processing fee (at 2%) = ₹2,000 + GST = ₹2,360
- Line 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.
→RBL Bank Ltd.


Save more with Freo

Grow your savings with Freo. Earn up to 7% interest on your savings account powered by Equitas Small Finance Bank. Enjoy higher interest rates for larger balances & ensure your hard-earned money multiplies efficiently. Simple, secure, and rewarding saving solutions for everyone.

Interest Rate (per annum) & Minimum Balance
→ 3.5% - Up to ₹1 lakh
→ 5.0% - Above ₹1 lakh & up to ₹5 lakhs
→ 7.0% - Above ₹5 lakhs & up to ₹25 crores
→ 7.8% - Above ₹25 crores

-Interest will be calculated on the daily closing balance of the account
-Interest will be paid quarterly by direct credit in the savings account
-Slabs rates are applicable on the incremental amount based on the closing balance


Our fixed deposits interest rates go up to 8.5% p.a Senior citizens can earn up to 9% p.a. Visit:

What’s New

Version 2.7.4

Bugfixes and improvement

Ratings and Reviews

3.9 out of 5
2.6K Ratings

2.6K 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: (

Keerthana Selvam ,

Scam and blackmail for money

I have been a user in freo pay for many months. This month I couldn't pay bill in time due to a financial crunch and they started giving me mental torture since my bill collection was allocated to a collection agency. The person from collection agency started calling and I couldn't pickup everyday to explain the same thing. It was a mental torture. Later all my relatives and family started calling saying that a person called and told them about me and how I didn't pay any bills. The person from freo pay started to defame me. I payed my bills immediately. I lodged a complaint in freo pay. Freo pay didn't take any action yet and it is been 2 days since the incident happened. Today he has sent a selfie and reached out to my dad asking for money. Still no one from Freo pay has stopped the person. If freo pay has not take any action on this. Please ban freo pay from apple store. I have already lodged a cuber crime complaint.

Developer Response ,

Hello Keerthana, we regret any inconvenience you may have faced. Your concern has been elevated to the appropriate team for investigation. If there is any error on the part of our collection agent, we assure you that strict action will be taken.

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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