LoanTap App Reviews, Customer Care Number & Details

Personal loans of ₹50,000 to ₹10 lakh from LoanTap's own RBI-registered NBFC

This LoanTap app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified LoanTap customer care number and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

FINTECHRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 4 November 2026

LoanTap is a Pune personal loan app run by LoanTap Financial Technologies, and the money comes from the group's own RBI-registered NBFC, LoanTap Credit Products, with MAS Financial Services named as a second lender. The one thing to know first: LoanTap's own pages don't agree on the price, so the Key Fact Statement in the app is the only figure that counts. The headline offer is ₹50,000 to ₹10 lakh over 6 to 60 months, for salaried and self-employed people earning at least ₹30,000 a month. We checked each lender in RBI's register, read LoanTap's site, its lender disclosures and its Google Play listing, and went through the newest reviews. As of November 2026, most recent ones are about payments that don't show up and support that doesn't answer.

Quick Facts

3.0★ · 10.4K

Play Store

₹10L

Max Loan

12% to 26% a year

Interest Rate

LoanTap says funds arrive within 24 to 36 hours of approval (24 hours on one page); credit evaluation takes 8 to 24 hours.

Disbursal

6 months to 60 months

Tenure

2% to 3% + GST

Processing Fee

₹30,000 per month

Min Income

Play Store rating sourced from Google Play, as of 4 Nov 2026. Other figures from the lender's official disclosures.

Our Ratings

Disbursal speed 3.0/5

LoanTap promises money within 24 to 36 hours of approval, but it still asks for documents and older reviews describe long waits.

Interest & cost 3.5/5

Rates start at 12% and the listed APR tops out at 29%, though fees, a ₹750 platform charge on one page and 36% penal interest add up.

App experience 2.5/5

The app rates 3.0, and recent reviewers say payments don't update and the site and app threw errors when they tried to pay.

Customer support 1.5/5

Help runs on weekdays only, the Play support address is a Gmail account, and most recent reviewers say calls and emails go unanswered.

Safety & transparency 3.0/5

The lender is an RBI-registered NBFC, but terms and grievance contacts differ across pages and some users report AutoPay on loans they never took.

Loan Details & Charges

Loan Amount ₹50,000 to ₹10,00,000

Interest Rate 12% to 26% a year

Tenure 6 months to 60 months

Processing Fee 2% to 3% + GST

Late Payment Penal interest of 36% p.a. on overdue amounts (app page fee table); bounce and penal charges apply on the overdue amount (FAQ).

Foreclosure 4% + GST on part-prepayment or foreclosure before 6 EMIs / within 180 days of disbursal (after the cooling-off period); nil after 6 months.

Bounce Charges Rs 550 per bounce; mandate rejection charges depend on the bank.

Eligibility Criteria

Age 23-58 years

Min Income ₹30,000 per month

CIBIL Score 700+

Employment salaried, self-employed

Documents PAN; Aadhaar, driving licence or passport; bank statements for the last 6 months; salary slips for the last 3 months; latest ITR (personal loan page)

What It Actually Costs

Loan amount ₹1,00,000

Tenure 36 months

Monthly EMI ₹3,615

Total interest ₹30,140

Processing fee ₹2,000 + 18% GST = ₹2,360, deducted upfront

Total repayment ₹1,30,140

This is LoanTap's own representative example from its Play listing, at 18% on a reducing balance, so ₹97,640 reaches your bank. At the 26% top rate on LoanTap's site, or with the ₹750 platform charge, the same loan costs more.

Try the LoanTap EMI calculator

Pros

The lender is LoanTap's own RBI-registered NBFC, named on the Play listing and in RBI's register
Published interest from 12% a year, and the Play listing caps the APR at 29%
Loans of ₹50,000 to ₹10 lakh, repaid over 6 to 60 months
No prepayment or foreclosure fee once 6 months have passed since disbursal
Open to salaried and self-employed people, with EMI-free and overdraft formats too

Cons

LoanTap's own pages quote four different rate ranges and two tenure ranges for the same loan
Fees stack up: 2% to 3% plus GST, a ₹750 platform charge on one page and 36% penal interest
Close the loan before 6 EMIs and you pay 4% plus GST
Needs a credit score of 700 and ₹30,000 a month, and some pages also ask for a filed ITR
Support is weekdays only, and recent reviewers say calls and emails go unanswered

Our Verdict

LoanTap is a real, regulated lending app. Its in-house NBFC, LoanTap Credit Products, is on RBI's list of registered NBFCs as on September 30, 2026, and the Play listing names it as the lender. MAS Financial Services, also on that list, publishes its own disclosure naming LoanTap. For a salaried borrower with a credit score of 700 or more who needs ₹50,000 or more, the published pricing is fair for an app: interest from 12% a year and an APR the listing caps at 29%. The trouble is everything around the loan. LoanTap's pages give the rate as 12% to 24%, 16% to 24%, up to 22% and up to 26%, and the tenure as 6 to 60 months or 12 to 48 months. One page adds a ₹750 platform charge, and the support email on Google Play is a Gmail address. Since mid-2026, most new reviews say paid EMIs weren't updated, AutoPay kept running after closure, NOCs never came and nobody answered. A few say a small loan they never took appeared in their name. These are user claims, but there are a lot of them. Use LoanTap only if the KFS names the lender and shows the full APR, you save every payment receipt, and you're ready to escalate in writing.

Who LoanTap suits

Salaried borrowers with a credit score of 700 or more who need ₹50,000 or more

People who want up to 60 months to keep the EMI small

Borrowers who may repay early, after the first 6 months, when foreclosure is free

Those who like the EMI-free or overdraft formats and will read the KFS line by line

Look elsewhere if

You need less than ₹50,000 or your credit score is below 700

You want a phone helpline that answers if a payment goes wrong

You might close the loan in the first 6 months and don't want a 4% charge

Not sure the app is genuine? Is LoanTap real or fake? How to check it yourself

Things to Watch

Since mid-2026 most new reviews report paid EMIs not updating, AutoPay after closure and missing NOCs
Some reviewers say a small loan they never took appeared with AutoPay set up; we couldn't verify these claims
Play lists a Gmail support address, and grievance numbers and officer names differ across LoanTap pages
Short, generic five-star reviews arrived in bursts on single days in November 2025 and February 2026
Entrackr reported in June 2025 that LoanTap cut back its own consumer loans; some users get sent to other lenders

How to Apply for LoanTap

1

Install the official app

Get LoanTap - Personal Loan App on Google Play, published by LoanTap Financial Technologies Private Limited, or apply on LoanTap's website.
2

Enter your details

Add your income, job and contact details. LoanTap checks your credit score and income against its criteria.
3

Finish e-KYC and upload documents

Verify your PAN and date of birth, then upload ID, bank statements and salary slips.
4

Read the KFS, then e-sign

Check the lender's name, rate, APR and every fee on the Key Fact Statement before you e-sign and approve the eNACH mandate.

Documents Required

PAN card

Aadhaar, driving licence or passport

Bank statements for the last 6 months

Salary slips for the last 3 months

Your latest ITR, if asked

What Real Users Say

Read on Google Play on 4 November 2026, with the newest reviews pulled from Play's own review feed. Many short, generic five-star reviews were posted on one day in November 2025 and over a few days in February 2026, several starting with a stray full stop, which looks inorganic.

LoanTap rates 3.0 stars from 10.4K reviews on Google Play, and the newest reviews are mostly one-star.

What users love

Happy users mention a simple, fully digital application and quick approval; one 2026 reviewer liked the app but wanted lower rates and faster processing.

Common complaints

Paid EMIs not reflected, repeated payment reminders, AutoPay still running after closure, NOCs not issued, site and app errors at payment time, calls and emails that go unanswered, and users saying small loans they never took were set up in their name. Older reviews also describe pushy collection calls.

How LoanTap Compares

vs Moneyview — Moneyview also lends large personal loans to salaried and self-employed people, so it's a fair second quote to compare APRs against.

vs Fibe — Fibe serves salaried borrowers wanting a similar-sized loan; put its KFS next to LoanTap's before you sign.

vs Navi — Navi lends through its own NBFC with a fully app-based process; check whether its total cost beats LoanTap's offer.

How we tested

On 4 November 2026 we read LoanTap's website, fee, eligibility, grievance and partner pages, its NBFC's own site and policies, the lender disclosures LoanTap and MAS Financial publish, and the Google Play listing with its Data safety page. We pulled the newest Play reviews and checked each lender in RBI's NBFC list as on September 30, 2026. Everything here was checked in November 2026. RBI's Digital Lending Apps directory wouldn't load, so that listing is unverified. We did not take a loan.

LoanTap (LoanTap Credit Products) Customer Support Details

LoanTap doesn't publish a toll-free number. Its care line, +91 7888040000, and the email cs.loantapcredit@help.loantap.in work on weekdays from 9:30 am to 6:30 pm, and many recent reviewers say calls go unanswered, so email with your loan account number and keep the reference. If there's no reply in 14 days, write to the grievance officer at gro.loantapcredit@loantap.in, then the nodal officer, then RBI's Ombudsman after 30 days.

LoanTap (LoanTap Credit Products) customer care number	+91 7888040000
LoanTap (LoanTap Credit Products) WhatsApp number	NA
LoanTap (LoanTap Credit Products) customer support email ID	cs.loantapcredit@help.loantap.in
Registered lending entity	LoanTap Credit Products Private Limited (RBI-registered NBFC), with MAS Financial Services as co-lender; LoanTap Financial Technologies Private Limited runs the app
LoanTap (LoanTap Credit Products) grievance officer email	gro.loantapcredit@loantap.in

Verified from LoanTap (LoanTap Credit Products)'s official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full LoanTap customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is LoanTap safe and RBI registered?

LoanTap Financial Technologies runs the app but isn't the lender. Loans come from its in-house NBFC, LoanTap Credit Products Private Limited, which is on RBI's list of registered NBFCs as on September 30, 2026, with MAS Financial Services named as a co-lender. So it's regulated. The bigger worry is recent reviews about payments and support, so keep every receipt and check the lender's name on your KFS.

What does a LoanTap personal loan really cost?

LoanTap's pages quote interest from 12% up to 26% a year, and its Play listing caps the APR at 29%. The processing fee is 2% to 3% plus GST, taken out of the loan, and one page adds a ₹750 platform charge. In LoanTap's own example, ₹1,00,000 at 18% over 36 months costs ₹32,500 in interest and fees.

How much can I borrow from LoanTap, and for how long?

The personal loan runs from ₹50,000 to ₹10 lakh. LoanTap's site and Play listing say 6 to 60 months, while its lender disclosure says 12 to 48 months, so check the tenure on your own offer. After 6 months you can prepay or close the loan free; before that, a 4% charge plus GST applies.

Who can get a LoanTap loan, and what documents are needed?

Most LoanTap pages ask for an Indian resident aged at least 23 (one says 21), earning ₹30,000 a month or more, with a credit score of 700 or higher. You'll need PAN, Aadhaar, a driving licence or passport, bank statements for 6 months and salary slips for 3 months. One page also asks for your latest ITR.

What is the LoanTap customer care number, and how do I complain?

LoanTap's care line is +91 7888040000 and the email is cs.loantapcredit@help.loantap.in, on weekdays from 9:30 am to 6:30 pm. If nothing happens in 14 days, write to the grievance officer, Rebecca Nunes, at gro.loantapcredit@loantap.in, then the nodal officer. With no fix after 30 days, you can go to RBI's Integrated Ombudsman.

Does LoanTap give an advance salary loan?

LoanTap's site describes an Advance Salary Loan of ₹25,000 to ₹1,00,000 for people earning ₹40,000 or more, repaid over 3 to 12 months. It has a flat fee of ₹2,500 plus GST up to ₹50,000, or ₹5,000 plus GST above that, and you can't prepay it. The Play listing doesn't mention it, so confirm in the app first.

How do I file a complaint against LoanTap?

Work the escalation ladder in order. First, raise the complaint with LoanTap support (cs.loantapcredit@help.loantap.in) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at gro.loantapcredit@loantap.in. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from LoanTap recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (gro.loantapcredit@loantap.in), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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See how LoanTap stacks up against every other instant loan app we've reviewed — compare ratings, max loan and rates side by side.

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7	IIFL Finance (IIFL Finance: Gold & MSME Loan app)	4.7	₹30L	9.72% to 27% a year	Read Review
8	Capital Now Goldline Finance Private Limited (main lender; RBI Sl. No. 2684, New Delhi); the Play listing also names Anu Colonisers Limited (Sl. No. 523, New Delhi)	4.7	₹1.5L	From 18% a year	Read Review
9	Bajaj Finserv	4.6	₹55L	10.00% – 30.50% p.a.	Read Review
10	Navi	4.6	₹20L	9.90% – 29.00% p.a.	Read Review
11	InCred Finance (InCred Financial Services) InCred Financial Services Limited	4.6	₹15L	13% to 36% a year	Read Review
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13	CredMe Exude Vincom Private Limited	4.6	₹1.5L	Up to 35% a year	Read Review
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16	FlexiLoans Business Loan	4.58	₹50L	12% – 28% p.a. (official: 'from 1%/month'; ceiling unpublished)	Read Review
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19	Home Credit Home Credit India Finance Pvt. Ltd. (NBFC; subsidiary of TVS Holdings Ltd.)	4.5	₹4.8L	19.20% – 44.00% p.a.	Read Review
20	Fibe NBFC partners	4.5	₹10L	18.00% – 36.00% p.a.	Read Review
21	Piramal Finance Piramal Finance Limited (formerly Piramal Capital & Housing Finance Limited)	4.5	₹25L	12.99% – 24.00% p.a.	Read Review
22	True Balance True Credits Private Limited (group NBFC) plus partner NBFCs: Grow Money Capital, InCred Financial Services, Vivriti Capital, Northern Arc, OXYZO Financial Services	4.5	₹2L	28.80% – 36.00% p.a.	Read Review
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24	SalaryOnTime Kasar Credit & Capital Private Limited, Karn Securities Private Limited	4.5	₹1L	35% to 36% a year	Read Review
25	TezCredit Finagle Financial Services Private Limited	4.5	₹2.5L	12% to 36% a year	Read Review
26	TapLend Barbarik Finco Private Limited (formerly Baba Lease and Investment Private Limited)	4.5	₹2L	24% to 36% a year	Read Review
27	CashVia Grow Money Capital Private Limited	4.5	₹2L	Not published	Read Review
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29	mPokket mPokket Financial Services Private Limited (NBFC; LSP/app owner: Maybright Ventures Private Limited)	4.4	₹2L	22.00% – 36.00% p.a.	Read Review
30	LazyPay NBFC partners	4.4	₹5L	18.00% – 32.00% p.a.	Read Review
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78	Sabka Loan Mahashakti Financiers Limited	4	₹1L	Up to 36% a year	Read Review
79	RupeeGo Salora Capital Limited	4	₹5L	Up to 36% a year	Read Review
80	Paisa Daily Ready Leasings Private Limited	4	₹50,000	365% a year	Read Review
81	PaisaBoxx Sawalsha Leasing & Finance Private Limited	4	₹1L	Not published	Read Review
82	Ola Loan InCred Financial Services, Tata Capital, Kisetsu Saison Finance (Credit Saison India), Poonawalla Fincorp, DMI Finance and other partners named by Ola Financial Services	4	₹10L	Not published	Read Review
83	Money Finserve Gopi Securities Private Limited	4	₹5L	35% a year	Read Review
84	KredTap Salora Capital Limited (the website also names Capital Trade Links Limited)	4	₹1L	12% to 32.5% a year	Read Review
85	Kredito24 North East Hire Purchase Company (India) Private Limited (also GSD Trading And Financial Services Private Limited and Asomi Finance Private Limited)	4	₹40,000	0% to 73% a year	Read Review
86	Fundo Baba U.Y. Fincorp Limited	4	₹1L	182.5% to 365% a year	Read Review
87	CashToYou Mount Shikhar Financial Services Limited, Savantika Vanijya Private Limited	4	₹40,000	0% to 73% a year	Read Review
88	Apollo Finvest Apollo Finvest (India) Limited	4	₹50,000	Not published	Read Review
89	Dhan Pocket Pawansut Holdings Limited (named by Dhan Pocket; the NBFC's own website does not list it)	4	₹1L	0.5% – 1% per day (182.5% – 365% a year); the site also prints an APR of 15% – 35%	Read Review
90	DhanCash Ind Global Securities Limited	4	₹1L	0.4% – 1.1% per day (146% – 401.5% a year)	Read Review
91	Aditya Birla Personal Loan Aditya Birla Capital Limited (NBFC-ICC, Upper Layer; Aditya Birla Finance merged into it)	4	₹50L	10% – 28% p.a.	Read Review
92	DigiCredit Khosya Finlease Private Limited (NBFC); DSG Investments Private Limited also shown as a partner	4	₹75,000	Up to 36% p.a. (stated cap; floor not disclosed)	Read Review
93	FatakPay FDPL Finance Private Limited (wholly-owned RBI-registered NBFC subsidiary, sole lender)	4	₹5L	18% – 40% p.a.	Read Review
94	InstaMoney Innofin Solutions Private Limited; Aeroflex Finance Private Limited (NBFCs). InstaMoney is operated by Roctogen Services Pvt Ltd (not an NBFC).	4	₹1L	24% – 48% p.a.	Read Review
95	Ram Fincorp R.K. Bansal Finance Private Limited (NBFC, self-declared RBI registration B-14.00700); Ram Fincorp = Kundanmal Technology Pvt Ltd, LSP only	4	₹2L	15% – 35% p.a. (listed)	Read Review
96	RapidMoney RuLoans Financial Services Pvt Ltd; Pooja Finstock International Ltd (PFIL Finance); Fintree Finance Pvt Ltd — RapidMoney (MoneyTime Technology Solutions Pvt Ltd) is an LSP	4	₹15,000	36.5% – 54.75% p.a. (quoted as 0.1% – 0.15% per day), before the 15% processing fee	Read Review
97	Unity SFB Personal Loan Unity Small Finance Bank Limited (bank, lends on own book)	4	₹5L	16% – 30% p.a.	Read Review
98	Zype Respo Financial Capital Private Limited	4	₹5L	18% – 34% p.a.	Read Review
99	True Fund	4	₹0	Not disclosed	Read Review
100	Tap4Credit	4	₹0	Not disclosed	Read Review
101	Poonawalla Fincorp	4	₹5L	16% p.a. onwards (no published cap)	Read Review
102	PayTrust	4	₹0	Not disclosed	Read Review
103	HDFC SmartEMI HDFC Bank Limited (scheduled private sector bank)	4	₹0	From 0.99% per month; rates actually charged Apr–Jun 2026: 10.80%–24.96% p.a.	Read Review
104	DMI Finance	4	₹10L	13.99% – 24.90% p.a.	Read Review
105	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
106	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
107	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
108	ATD Money ATD Financial Services Private Limited	3.7	₹50,000	36.5% to 182.5% a year	Read Review
109	InstaPe Suryoday Small Finance Bank Limited (RBI-licensed small finance bank) and Mufin Green Finance Limited (RBI-registered NBFC)	3.6	₹0	Up to 30% a year	Read Review
110	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
111	Lendingkart Lendingkart Finance Limited	3.5	₹50L	13.5% to 35% a year	Read Review
112	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
113	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
114	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
115	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
116	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
117	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
118	LoanTap LoanTap Credit Products Private Limited (in-house NBFC), with MAS Financial Services Limited as co-lender; I-Loan Credit Private Limited is also named as a LoanTap lender	3	₹10L	12% to 26% a year	You're here
119	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review