Ruchi Singh

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About Ruchi Singh

LoanTap is an RBI-registered NBFC in India that provides quick and flexible personal and business loans. Whether it’s for a holiday, medical need, or wedding, LoanTap offers customized options to fit your lifestyle. With fast approval, easy disbursal, and a smooth online process, it's ideal for both salaried individuals and business owners. You can get loans up to ₹50 lakh.

Secured vs Unsecured Personal Loan: Key Differences

Ruchi Singh07 Feb, 2026Finance

Understand secured vs unsecured personal loan, including interest rates, eligibility, risk, documentation, and how to choose the right option based on your financial needs. Learn the difference between secured loan vs unsecured loan, their benefits, risks, repayment terms, and which type is suitable for personal and business needs.

Term Loan for Business and Personal Needs

Ruchi Singh12 Jan, 2026Finance

A term loan is a fixed-tenure loan with scheduled repayments. It is commonly used for business expansion or asset purchase. Borrowing funds for a specific period with fixed or floating interest and regular EMIs, tap on the link to know more about it.

Interest Rate for Personal Loan

Ruchi Singh08 Jan, 2026Finance

Interest rate for personal loan varies across lenders. Maintaining a good credit score helps secure lower interest rates. Personal loan interest rate depends on credit score, income, and tenure. Lower rates reduce overall repayment burden. Tap on the link to know more.

How to Get 1 Lakh Loan Quickly in India?

Ruchi Singh06 Jan, 2026Finance

Getting a 1 lakh personal loan is simple if you meet basic eligibility requirements. Most lenders check your age, income, employment status, and credit score before approving the loan. A stable income source and regular bank transactions increase your chances of approval.

How Does EMI Impact Credit Score?

Ruchi Singh05 Jan, 2026Finance

EMI payments play a major role in building and maintaining your credit score. When you pay your EMIs on time, it shows lenders that you are financially disciplined, which helps improve your credit score over time. Regular and timely EMI payments create a positive repayment history.

What APR in Personal Loan Really Mean?

Ruchi Singh20 Nov, 2025Finance

Understand APR in personal loan to know the true borrowing cost. Learn how APR affects your loan repayment and helps you compare loan options better. It reflects the total cost of borrowing, including interest and fees, giving a clearer picture of your loan.

Medical Loan for Urgent Healthcare Expenses.

Ruchi Singh19 Nov, 2025Finance

A medical loan helps manage unexpected healthcare costs with quick approval and flexible EMIs. It supports hospital bills, surgeries, and treatments, offering fast financial relief during medical emergencies. Get instant medical loans for hospital bills, surgeries, or emergencies. Quick approval, flexible tenure, and affordable EMIs make healthcare stress-free.

What Is Microfinance and Its Benefits for Small Businesses?

Ruchi Singh05 Nov, 2025Finance

Microfinance provides small loans and financial services to low-income individuals, helping them start or grow small businesses sustainably. It focuses on extending small loans and credit support to individuals aiming to build or expand small-scale enterprises.