HomePhone ManagementHow to Block Loan Apps from Accessing Your Contacts

How to Block Loan Apps from Accessing Your Contacts

Loan Apps are mobile application that grants users of smartphones, Androids, and other mobile devices quick and easy access to loans.

Most of these Apps are provided by online lenders, who use technology to speed up the loan application processes and fund access.

Through these Apps, users can tender their loan applications directly from the App, which often requires filling out an application and providing personal and financial data.

Lenders of these loans determine the loan amount and interest rate by using algorithms and other available technologies to gauge the user’s creditworthiness.

Once the loan is approved, the money is instantaneously deposited directly into the borrower’s bank account.

Of course, these Apps can as well be used to manage the loan and make liquidation payments.

However, the major problem about these loan Apps is that it has caused a lot of damage, and has left many bank users vulnerable.

Again, most of these loan sharks are not licensed by government or government agencies, this however leaves room for extortion and overcharging of those who use loan Apps.

Also, some of these loan Apps have poor security and firewalls to protect customers from fraudsters.

Nevertheless, this article will present us with the knowledge of how to bar loan Apps from accessing your contacts.

How to Block Loan Apps from Accessing Your Contacts

Loan Apps are really good, but it has done a great deal of damage than good to people who patronized them.

There have been reports from various individuals complaining about the manner of humiliation and frustration Loan App has caused them.

Some people are really doing great research to come up with knowledge of stopping loan Apps from gaining access to their bank account, calling and texting the contact numbers in their Android and iOS phones.

The disappointing thing is that most of these loan app operators have no government license, and as such they have the effrontery to operate in whichever way they deem okay for them.

How to Disconnect Loan Apps from Accessing your Contact

1. Use AppLock


The first thing to do in other to block Loan App or any other app from accessing your contacts is to get AppLock.

To get an App lock you will need to go to Google Play store and download an app called AppLock.

The app has over 100 million downloads, that should let you know that there are lots of people also in need of it.

This App is free and it allows you to set up passcodes and block phone features. Open the App Lock and create a new App lock.

After creating the new lock, search for a loan. Go through all of the options given, until you find a tab called Loan Blocking.

In a case where such option is not available, go on to click on any of these loan Apps (i.e., LendUp, Aimloan, Okash, etc.). Once you find the Loan Blocking select the Block option or better still, Uninstall it.

2. Use Phone App Settings

Most phones come with this inbuilt Applications Manager feature that allows one to bar applications that can access one’s data.

Android: How to Block Contact Access for Loan Apps

  1. Open your device’s Settings.
  2. Scroll down and select “Apps” or “Applications.”
  3. Find the loan app from the list and tap on it.
  4. Select “Permissions.”
  5. Toggle off the “Contacts” permission.

iOS: How to Restrict Contact Access for Loan Apps

  1. Go to the “Settings” app on your device.
  2. Scroll and find the app in question, then tap on it.
  3. Toggle off the “Contacts” permission.

3. Block/Uninstall Loan Apps

If you are totally not in need of the loan appcompanies, and you greatly feel inconvenienced, what you do is; first, go to Settings, then click Apps & Notifications. follow through by selecting App to infuse Block.

Or better still you can simply uninstall the loan app. By following this process this App will remain permanently blocked

Best Ways to Restrict Loan Apps from Accessing Your Contacts

Another thing one need to really understand is that most of these Loan app companies operate without government license as a result they make rules that extort and impoverish customers.

Online Loan Apps can access to your contacts when you grant them permission to read them.

These loan apps access your phone contacts from the first stage of your application.

However, before using any Loan App it is very much important that one go on a thorough research of the modus operandi of the companies.

Not just that, it is also advised that one make diggings and be sure that the Loan Apps is government approved. This will however make you not to be victim of fraudsters.

Again, the fear people have about Loan App is that some of these Loan Apps companies access the contact list of their customers and go about sending blackmailing messages to the contacts telling them that the individual is owed.

Use Government Approved Loan Apps

The surest way of being free from every form of blackmail from loan sharks it is advised one use legit loan Apps.

Most of these Loan App companies are operating without license, this however, makes their operation illegal.

The Central Bank of Nigeria (CBN) and Cooperate Affairs Commission are the licensors of Loan app companies.

Given that the Loan App is government-licensed, it will not access your contacts without your consent.

Again, it will never at any point go on to blackmail you for any reason whatsoever.

The only thing they will request from you is your Bank Verification Number (BVN) to deduct your money if you have other accounts with the Central Bank of Nigeria (CBN).

Better still, they can use your details to access your residential address and formally send their agent to the individual to repay their loan.

Features of Loan Apps that access Contacts

Loan Apps that accesses your contacts are often characterized by the following features:

  • Such Loan Apps often finds their way to their customers’ private data, and go on broadcasting blackmailing, threatening, demeaning message the the contact list.
  • Those Loan Apps often seek to lay stronghold of your contacts, and pictures stored in your phone for possible blackmail.
  • Again, these Loan Apps go on to use one’s contacts carelessly, in a manner that dents the person’s identity.
  • Online harassment.
  • The means by which these bad Loan Apps access one’s contact is always unethical, without consent.
  • The Loan Apps customer care attendants are always rude and lack a manner of speech.
  • Their interest rate is outrageous, extortive, and impoverishing. They are not under government regulations as such they operate in a manner that profits them more.
  • These Loan Apps are not government-licensed.
  • They don’t operate with customers Bank Verification Number (BVN)

Loan Apps that Access your Contacts without permission

Oftentimes some of these Loan Apps operated by some loan sharks have no government approval.

Many of them have caused havoc and have rendered many people poor.

These Loan Apps don’t have the interest of the customers at heart. They only operate basically on how they feel suits them.

It is important to be mindful of how you go about borrowing with these Loan Apps. Again, borrow what will not become a heavy load to pay back; borrow what you can repay.

Some customers become victims of blackmail because they go on to wait until their liquidation date is overdue before clearing their loan. However, one who values his/her reputation should pay up on time.

How to Know Loan Apps that Access Contacts

  • There are often hidden charges.
  • Non-verification of previous liquidation history.
  • They don’t give any office addresses to customers
  • Their website is not secure enough to protect customers’ data. In some cases, they don’t have a website.
  • They only give short-term loans as opposed to the law-binding loan giving that allows for 30 days or 60 days before repayment.
  • They always mount pressure on customers on immediate repayments.
  • They oftentimes have no contact address or customer care line.

 Protective Measures Against Loan Apps

First, be sure that the contact information, such as; the email address, and contact address of the loan companies is there for possible contact.

Again, be sure that the Loan Apps you intend to use are approved. It has a license from the Central Bank of Nigeria (CBN) or Cooperate Affairs Commission.

Also, go for a professional review of these Loan Apps to know the right one to use.

Lastly, double check Apps permission always, and be sure you give access to only the purpose the loan is applied for.

Conclusion on Loan App

Applying for a Loan is not a bad thing. However many individuals have become victims of blackmail because they are not properly informed about some of these Loan companies for security reasons.

Fake Loan Apps are all over the place and it is important we inquire so as not to use Apps that will collect our private sensitive data and use it to harm us.


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