FREED

FREED is India's most trusted loan management and debt relief platform, helping borrowers settle loans, reduce EMIs, and rebuild their credit health. With ₹3,200 Cr+ debt managed and 20,000+ accounts settled, FREED is the only platform that covers all three pillars of financial recovery in one place.

Settle your loans (Loan Settlement Plan)

FREED’s Loan Settlement Plan helps you with personal loan settlement and credit card debt settlement at up to 50%* less through expert lender negotiation. Whether you need an OTS settlement (one-time) or a structured loan settlement plan, FREED’s specialists handle everything- from lender communication to final settlement documentation.

• Unsecured loan settlement and credit card debt settlement with professional negotiation support

• Reduce what you owe, not just the interest

• Handle recovery harassment calls

• No upfront fees

With FREED Shield, get support against recovery harassment. When recovery takes a threatening and abusive turn, we will help you in filing and escalating your complaint with proof directly to the lender. Proof of harassment could be screenshots, call recordings, videos, etc. No one can stop recovery calls unless the loan is fully repaid or settled, but we will support you in handling recovery calls and take action against recovery harassment.

Reduce your EMIs (Loan Consolidation Plan)

FREED’s Loan Consolidation Plan converts multiple loans and credit card dues into one single reduced EMI, saving you up to 50% on your current EMIs every month. If you’re juggling multiple EMIs and struggling to keep up, our debt consolidation plan gives you one due date, one lower payment, and a clean start.

• Merge all unsecured loans into one affordable EMI

• Loan consolidation app with 100% online process

• Lower interest rates compared to credit cards and multiple loans

• Instant payoff of existing debts with a single new lender

• Loan repayment tracker to monitor your consolidated EMI progress

Check your CIBIL score for free (Credit Insights)

FREED gives you instant, free access to your CIBIL score powered by Experian, an RBI-licensed credit bureau. Track, understand, and improve your credit health with personalised insights.

• Free CIBIL score check

• Improve CIBIL score with actionable tips

• Understand how credit utilization, payment history, and loan inquiries affect your score

• Credit score benchmarks: Good (670–739), Very Good (740–799), Excellent (800+)

• Credit health report with personalised improvement roadmap

Why 20,00,000+ Indians trust FREED:

FREED is not just a credit score app or a loan settlement app — it is a complete loan management platform. Whether you want to settle loans at a lower amount, consolidate multiple high interest loans into one EMI, or improve your credit and CIBIL score, FREED gives you expert guidance, zero upfront cost, and a proven path to managing your loans better.

Download FREED today. Settle. Consolidate. Improve. Get financially free.