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- Freo - UPI, Insurance, Loans Vs. Capital Now: Instant Cash Loan
Freo - UPI, Insurance, Loans vs Capital Now: Instant Cash Loan Usage & Stats
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)
https://bit.ly/46KNzh9
→ Incred Capital Financial Services Pvt Ltd
https://bit.ly/3eTT0op
→ Kisetsu Saison Finance (India) Private Limited
https://bit.ly/FreoCS
→ Cholamandalam Investment and Finance Company
https://bit.ly/Cholamandalam
→ Transactree Technologies Pvt Ltd
https://bit.ly/3UkU5WJ
→ Tapstart Capital Pvt Ltd.
https://bit.ly/3qOUeEc
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
- Apple App Store
- Paid
- Finance
Store Rank
- -
India's most trusted app for salaried individuals to avail instant personal loans. Apply for a quick online loan and get instant funds - anytime, anywhere, with no hidden charges. An experience you would enjoy at every step of your journey, with rewards that make your day. 100% Safe 100% Secure
Key Features:
Instant Personal Loans: Personal loans, which are effortless and instant with repayment periods from 3 to 6 months.
Loan Against Mutual Funds: Leverage your mutual funds without liquidating, FYI MF loans are cheaper than personal loans.
Bill Payments & Recharges: Seamlessly pay utility bills, mobile recharges, and more via the Bharat Bill Payment System (BBPS) directly from the app.
Pocket-Friendly Rates: Enjoy competitive rates starting at just 1.5% per month.
100% Paperless Application: Quick approval without tedious paperwork.
Cashback & Rewards: Welcome to the world of rewards - earn real and effortless rewards on every transaction
Refer & Earn: Earn up to 10,000 rs every month through our refer and earn program.
Zero Foreclosure Charges: Enjoy the freedom to pay off your loan early without any extra fees—no hidden costs!
Eligibility Criteria:
Age: 21+
Nationality: Indian
Income: ₹22,000+ monthly income
Documents Required: Valid PAN, Aadhaar card, Recent Salary Slip or Income Proof
Instant Cash Loans:
Capital Now offers instant personal loans with transparent terms, low fees, and fast disbursal.
Loans are so easy that you can complete the process while sipping your coffee.
Sample calculation of a personal loan:
>Amount: ₹50,000
>Tenure: 6 months
>Rate of Interest: 24% p.a.
>Processing Fee: ₹2,500
>GST on Processing Fee: ₹450
>Total Interest: ₹6,000
>EMI: ₹9,333
>APR: 36.30%
>Total Repayment Amount (Loan amount + Interest): ₹56,000
*Note – All the above numbers are for representation only. The final interest rate or processing fee may vary depending on the profile assessment. Maximum APR up to 41.08%
Bills Payments and Recharges:
With the Capital Now app now enjoy BBPS services and win exciting rewards
Pay electricity bills, broadband bills, landline bills, water bills, book cylinders, pay CC bills, Repay loans, recharge fastag, home rent and many more
Loan Against Mutual Funds:
Unlock liquidity without selling your investments. Pledge your mutual fund units and access funds with competitive rates and flexible repayment terms.
Rates as low as 8% p.a
Why Choose Capital Now?
Transparent Loan Terms: Loans that are clear and honest, with No hidden fees.
No hefty Charges: We don’t charge excessive penalties.
Flexible Repayment Options: An instalment plan that fits your budget, with zero foreclosure charges.
Rapid Approval Process: Get approved within minutes and funds are disbursed promptly.
24/7 Customer Support: Available via phone or email to assist you at every step
Join Our Referral Program:
Invite your friends to use the Capital Now app and earn up to 10,000rs per month. Our instant loan product is worth the share. Get an instant loan within 20 minutes and enjoy exciting rewards as you repay
At Capital Now, we're all about making borrowing simple, fast, and transparent. Our fees are laid out upfront, so you’re never caught by surprise. Whether you need an instant personal loan or pay your bills, you can access everything you need anytime. With 24/7 customer support, we’re here to assist you at every step.
Download now a hassle-free experience every step of the way.
Our Lending Partners:
Goldline Finance Private Limited
Anu Colonisers Limited
Data Security:
Your privacy is our top priority! We utilize 256-bit SSL encryption to protect your personal and financial information.
We value your privacy and are committed to protecting your data.
Contact Us:
Have questions? Call us at 7075463172 or email: support@capitalnow.in.
- Apple App Store
- Paid
- Finance
Store Rank
- -
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January 15, 2026