Sometimes it can be tough to determine what caused the "Tap to load". But you can fix this error by trying these troubleshooting methods listed below -
1. Restart your device
2. Enable Snapchat Permission
3. Reinstall Snapchat
4. Restart Wifi and check data connection
5. Clear the app cache
6. Disable the data saver option
For more read - https://onlinegeeks.net/how-to-solve-tap-to-load-problem-on-snapchat/