Taishin Richart review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Taishin Richart lends directly as Taishin International Commercial Bank, and payout is quick once a decision is made. Borrowing runs at a fixed rate with APR of 4.12% to 16.39% on amounts of TWD 10,000 to TWD 5,000,000, the arrangement fee is waived on the longer terms, and early repayment costs nothing.

Key facts

Best for
Borrowers who need money moving quickly after approval and want to clear the balance early without paying a penalty.
APR
4.12% to 16.39% (Source, checked September 26, 2026)
Loan amount
NT$10,000 to NT$5,000,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Arrangement fee
NT$688 promotional (list NT$9,000); NT$0 for 60-month or longer terms (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Disbursed in as little as 20 minutes after approval; review in as little as 1 day (Source, checked September 26, 2026)
Representative example
Richart personal loan (one-stage amortising): NT$300,000 borrowed over 5 years (36-month limit), annual rate 2.48%-15% (floating), total fees NT$688, total annual fee percentage 2.58%-15.1% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Aged 20-60, ROC (Taiwanese) national with normal credit and lawful income; the NT$10,000-150,000 small-loan tier accepts ages 18-60 (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Car (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Taishin International Commercial Bank Co., Ltd. (Source, checked September 26, 2026)
Headquarters
Taiwan (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
richart.tw

Apps and profiles

Get the app
Google Play
Elsewhere
instagram.com

Pros and cons

Pros

  • Payout is quick once approval lands, and same-day funding appears in same day funding and credit line.
  • Free early repayment, so all or part of the balance can be cleared without a charge.
  • The arrangement fee is waived on the longer terms and priced below list on the rest.
  • Fixed rate with APR of 4.12% to 16.39% on amounts of TWD 10,000 to TWD 5,000,000 over terms of 6 to 120, lending directly as direct lender.

Cons

  • APR of 4.12% to 16.39% sits above the personal loan median 12.25%.
  • The credit check is hard and the credit wanted is good, so a thin file is out.
  • Support runs on email, phone and help centre only, with no live chat listed.

Ready to try Taishin Richart?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults in its home market with lawful income and a normal credit record who can clear a hard credit check.
  • Borrowers funding home improvement, the named use case for these loans.
  • Anyone who expects to clear a loan early without a charge.

Who should look elsewhere

  • Monzo Flex, which offers a revolving line at APR of 10% to 23%, suits borrowers who want to draw funds as needed rather than take a fixed personal loan.
  • Cashspace, quoting APR of PHP 12 to PHP 36, serves a different market, so borrowers outside Taiwan should look closer to home.
  • Cashspace ES, with APR of 0%, is worth a look for anyone not borrowing in Taiwan.

How your money is protected

Richart is a direct lender, so the agreement is with the lender itself rather than a broker. The representative example sets out a one-stage amortising personal loan with the annual rate, the total fees and the total annual fee percentage printed together, which lets the full cost be read before applying. This is a loan rather than a deposit, so a deposit protection scheme does not cover the balance.

How Taishin Richart compares

Where Taishin Richart is available

Available
Taiwan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What can I borrow from Taishin Richart?+

The range covers a personal loan, a credit line and car finance, with home improvement named as the typical use. Personal loans run at a fixed rate, on amounts of TWD 10,000 to TWD 5,000,000 across terms of 6 to 120. A credit line lets you draw only what you need at the moment you need it, which suits irregular spending.

What does a Taishin Richart personal loan cost?+

Borrowing runs at a fixed rate with APR of 4.12% to 16.39% on amounts of TWD 10,000 to TWD 5,000,000 across terms of 6 to 120. The arrangement fee is set at a promotional figure well under its list price, and it is waived altogether on the longer terms. The published example prints the annual rate, the total fees and the total annual fee percentage together.

What credit history does Taishin Richart want?+

Applications are judged on a hard credit check, and the credit profile wanted is good. That rules out a thin credit file. Applicants also need to be adults who are ROC (Taiwanese) nationals with lawful income and a normal credit record, though the smaller loan tier opens the age floor lower.

How quickly does Taishin Richart pay out?+

Speed is the strongest point. Once a decision is made the money can follow the same day, and the application review itself is measured in days rather than weeks. Same-day funding is one of the features listed for this lender, and it is also common among the loans compared here, so it helps without settling the comparison on its own.

Can I settle a Taishin Richart loan early?+

Yes, and it costs nothing. Free early repayment means all or part of the balance can be cleared whenever the income allows, with no charge attached, and terms run to 6 to 120. That suits anyone who expects their position to improve, and the published example is set out on a one-stage basis, so paying down early trims the total cost.

Who can apply, and which market does Taishin Richart serve?+

Lending is limited to its home market of TW, and applicants must be adults who are ROC (Taiwanese) nationals with normal credit and lawful income. The smaller loan tier widens the age floor, but the nationality and income rules hold either way. A single market means there is no cross-border application route.

Who am I actually dealing with at Taishin Richart?+

The contract sits with a bank rather than a comparison site or a broker. Richart is a direct lender operated by Taishin International Commercial Bank Co., Ltd., so the agreement, the credit check and the fee all run through the same institution. This is a loan rather than a deposit, so a deposit protection scheme does not cover the balance.

How do I get help from Taishin Richart?+

Support runs on email, phone and help centre. Phone handles account questions, email suits document requests, and a help centre covers the product rules, with no live chat listed. Phone and email are also the most common support channels among the lenders compared here, so reaching the lender is straightforward.

Sources

  • richart.tw checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels

    “營業人：台新國際商業銀行股份有限公司 (operator: Taishin International Commercial Bank Co., Ltd.)”

  • richart.tw/TSDIB_RichartWeb/loan checked September 26, 2026

    Backs: Loan types

    “貸款 - 信用貸款; 備用金 (loans - personal loan; reserved cash)”

  • richart.tw/TSDIB_RichartWeb/loan/all-personal-loan checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Pricing model, Arrangement fee, Rate type, Representative example, Term, Use cases

    “申請額度 1 - 500 萬元 (application amount NT$1 - NT$5 million)”

  • richart.tw/TSDIB_RichartWeb/loan/reserved-cash checked September 26, 2026

    Backs: Features

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Taishin Richart

Borrowers who need money moving quickly after approval and want to clear the balance early without paying a penalty.

9.2/10See alternatives

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