We run a soft credit check for personal loan assessment, this gives us your complete profile with zero impact on your credit score. A hard enquiry only happens after you confirm you want to proceed with a specific lender.

Yes and that is exactly how TapTap works. You share your documents digitally, we submit your application directly to the lender, and the loan amount is disbursed straight to your account. No branch visits, ever.

TapTap is a loan advisory platform, our job is to guide you to the right loan at the best rate, with full support from application to disbursal. This guidance comes at zero extra cost to you.TapTap is a loan advisory platform, our job is to guide you to the right loan at the best rate, with full support from application to disbursal. This guidance comes at zero extra cost to you.

When you apply directly to a bank, you are limited to that one lender's products, criteria, and rates. TapTap as a Loan Advisory Platform gives you access to 20+ banks and NBFCs in one single application. We assess your profile first, identify the lender most suited to your situation, and only then submit your application; protecting your credit score and significantly improving your chances of approval.

The best personal loan interest rate available in 2026 starts from 9.75% per annum. However, the rate you receive depends on your income, credit score, employment profile, and the lender. TapTap's job is to match you to the lender offering the most competitive rate for your specific profile not just the lowest advertised number.