How it works
From tap to transfer, then back to you.
Six moments make up a Golufin loan — three to get the money, three to repay it. Here is each one, and what you can expect from us at every step.
Getting the loan
Application to funds.
Everything runs on Tap4Loan, our Lending Service Provider. Golu Leasing & Finance assesses, sanctions and disburses.
- Step 01
Apply online
Start on Tap4Loan with your mobile number and a few details about your work and income.
- Entirely online at www.tap4loan.com
- KYC through DigiLocker; bank statement shared securely
- No agents, no branch visit
- Step 02
Automated assessment
We read your credit bureau report and banking record together and return a decision on amount and rate.
- Income and banking behaviour, not just a score
- Decision typically in minutes
- No manual back-and-forth
- Step 03
Accept, e-sign, receive
Review the Key Fact Statement, e-sign the agreement and the amount is transferred to your verified bank account.
- KFS shows rate, fee, APR and due date
- Disbursed directly to your own account
- For loans of ₹5,000 – ₹40,000
After disbursal
Repayment and closure.
A short loan is only as good as the way it ends. Here is how ours does.
- Step 04
Reminders before the due date
You receive SMS and email reminders ahead of your due date, with the exact amount and the official way to pay.
- Only from official channels
- Amount matches your KFS
- Prepay any time, no charge
- Step 05
Repay on the due date
Pay the amount due to the lender through your loan account on Tap4Loan. Never pay cash or transfer to an individual.
- One repayment, one date
- Simple interest only for days used
- Instant confirmation
- Step 06
Closure and next loan
On repayment the loan is closed and reported to credit bureaus. Repeat borrowers with a clean record are typically offered better terms.
- Closure confirmation on request
- Positive bureau reporting
- Faster repeat applications
What we never do
Lines we do not cross.
If anyone claiming to act for us does any of these, stop and report it to our Grievance Redressal Officer.
- Ask for a fee, deposit or 'processing charge' before disbursal
- Ask for your OTP, UPI PIN, card number or net-banking password
- Disburse to, or collect from, anyone's account but yours and ours
- Change your rate, fee or due date after you have accepted the KFS
- Contact your employer, family or references to pressure repayment
- Offer you a loan anywhere other than www.tap4loan.com
Having trouble repaying?
Apply on Tap4Loan
Let’s get you the right loan.
₹5,000 – ₹40,000, decided on your income and banking record, with every cost written down before you accept.
Lender: Golu Leasing & Finance Co. Private Limited · RBI CoR B-14.01773