How To Stop Loan Apps From Accessing Your Contacts

Loan apps have been helpful to many Nigerians, especially during these periods of economic hardship. However, there has been a report of loan apps accessing people’s contact and sending offensive messages to their contact lists. When users fail to repay the loans on due dates.

It can be very annoying because they tarnish the image of the defaulter. It would be best if the app loan reports the defaulter to the credit bureau.

According to the law on taking credit/loans. No lender should harass any user who defaults in repayment of the loan. The only legal action the lender can take is to add your name and details to the credit bureau. However, this legal action implies that the defaulter can’t take loans and can’t travel out of the country.

Note: we are not encouraging anyone to take a loan without repayment. If possible, avoid taking a loan but if you must take a loan, then always have a repayment plan.

This article will discuss how to stop loan apps from accessing your contacts.

Read my post on how to know if my BVN has been blacklisted

Overview Of How Loan App Accesses Your Contacts

When you borrow money from a loan app, your contact is usually used as your guarantee for loan repayment. When you download a loan app to your phone for the first time, the app asks for certain permissions from your phone after installation. These permissions include access to your location, contacts, camera, message, etc.

However, after your loan has been granted, go to your phone and disable these permissions. The reason for this is that most loan operators go to the app to retrieve the phone contact of the defaulter, that is, if the permission is still on.

Although they might threaten to send messages to your contact, if you have disabled the permission, then they can’t access your contact.

Nevertheless, when they can’t access your contact after you have defaulted in repayment. You may receive third-party links to get more loans from other loan apps. This is a strategy to get you to follow up on that loan app. So that they can retrieve your contact once you grant the new loan app access to your phone.

Steps On How To Stop Loan Apps From Accessing Your Contacts

For Android

• Open your phone setting
• Click on apps & notification
• Search for the loan app and select
• Click on permission
• Disable the permission for your contact, camera, location, and microphone.

For iPhone

• Open your phone setting
• Scroll down till you get to the loan app
• Turn off the permission.

FAQs 

Read my post on the best loan apps in Nigeria

can a loan app block my BVN?

Only the Central Bank of Nigeria can block your BVN. Although sometimes the loan app threatens to block your BVN, they don’t have such power.

Can the loan app take legal action?

The loan app can take your name and details to the credit bureau. The implication for defaulters, if reported to the credit bureau, is they can’t take loans and travel out of the country.

Which loan app gives the highest loan instantly in Nigeria?

Top five instant loan apps in Nigeria

• Branch loan app
• Fair money loan app
• Palm credit loan app
• Aella quick loan app
• Migo loan app

Can I go to jail for not paying online loans in Nigeria?

Failure to repay a loan could lead to a court case. However, loan defaulting is civil, so you can’t go to jail for defaulting on a loan.

Conclusion: How To Stop Loan Apps From Accessing Your Contacts

The best way to stop the loan app from accessing your contact is by not taking a loan from them. However, if you obtain a loan for an emergency reason, ensure to pay it back before the due date.

Thank you for reading this article. I hope you got a lot of helpful information on how to stop loan apps from accessing your contacts.

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