For customers’ data breach, defamation: 9Credit app should be blacklisted

For customers’ data breach, defamation: 9Credit app should be blacklisted

QUICK LOAN ARENA is compiling a list of all quick loan apps on Google Play Store that are guilty of data privacy invasion of their customers and sending blackmailing and threatening messages to their contacts whenever there is an alleged loan repayment default. Our 5th on the list is 9Credit.

We understand this is in breach of their customers’ data privacy which Google Play Store expects the app to adhere to.. This is also required in our local laws and it relates with any loan app or lending company operating in Nigeria.

In our list of blacklisted loan apps in Nigeria, 9Credit is gaining the 5th entry. We advise all Nigerian loan seekers to boycott the services of 9Credit loan app until it apologizes to its customers and comply with local laws and Google policies.

See the defaming message below 9Credit sent to the people in the contact list of one of its customers. These were people who never signed as guarantors nor were oarties to the loan agreement. QUICK LOAN ARENA understands this is a descent so low and quite unethical.

URGENTLY TREAT!!!This is to notify you that name; temitope victor obembe Phone: 08165032655 / 08147638922 is an INCONSIDERATE PERSON,THIS PERSON has PROVEN to be a CRUEL/HARD HEARTED DEBTOR, also we DISCOVERED that this PERSON IS A PERPECTUAL/UNREMORSEFUL DEBTOR known ALL OVER THE FINTECH COMPANY IN NIGERIA,This DEBTOR goes around COLLECTING MONEY from different fund COMPANY without repaying. This person has CURRENTLY REFUSE to REPAY the companys money(NC)and has refused pick our calls. Please contact us if you have any information about this person as soon as possible, else the company will be FORCED to take LEGAL ACTION to RECOVER THIS fund, Kindly be INFORMED that this person provided us with all your details STATING that YOU both AGREE to COLLECT this fund from US… if you are not aware of this fund you can as well call the person to delete your information on the APP NOW, because SHORTLY the person DETAILS along sides yours will be PUBLISHED in a DRASTIC MANNER. NC

See the screenshot below

This is a screenshot of the defaming message 9Credit sent to one of its customers that earned them a blacklist on our platform. This is a breach of data privacy.

Next day 9Credit repeated similar notorious feat and sent the message below to contact list of another alleged debtor;

Phone 08024563894 Name Shola Akinyele Good day, the above named person took a fund from NC and has defaulted for several days, broken all contractual agreements that were in place when this fund was taken and has refused to repay the fund and has proven to be a person of questionable character. DISGRACE IS INEVITABLE AT THIS POINT, AND YOU BEING A FRIEND / FAMILY SHOWS THE KIND OF PERSON YOU ARE AS BIRDS OF A FEATHER FLOCK TOGETHER. YOU WERE USED AS AN EMERGENCY CONTACT. SO, CALL AND TELL THIS INDIVIDUAL to make payment now.IF YOU WERENT INFORMED WHILE THIS fund WAS TAKEN, ASK FOR YOUR DETAILS TO BE REMOVED FROM OUR WEBSITE AS YOU WERE USED AS THE EMERGENCY CONTACT.

This is what Google says about data collected by apps on its Play Store:

You must be transparent in how you handle user data (e.g. information collected from or about a user, including device information). That means disclosing your app’s access, collection, use and sharing of the data, and limiting the use of the data to the purposes disclosed. In addition, if your app handles personal and sensitive user data, please also refer to the additional requirements in the ‘personal and sensitive user data’ section below. These Google Play requirements are in addition to any requirements prescribed by applicable privacy and data protection laws (in your domiciles country).

Furthermore most of these loan apps have tenure ranging from 7- 14 days, this is in breach of Google Policy on loan apps hosted on its Play Store and contravenes local laws in Nigeria. Hear what Google has to say on loan tenure:

We do not allow apps that promote personal loans which require repayment in full in 60 days or less from the date the loan is issued (we refer to these as “short-term personal loans.

Most of the digital lending platform have turned into loan sharks terrorising Nigerians with extremely high interest rate sometimes as high as 50% for 7 days tenure and then later harassing the consumers and their contacts with malicious and defamatory words even when it’s still a day to the loan expiration. This is unethical.

Finally most of the loan apps now charge illegal loan service or security fees while feigning to have low interest. This is unacceptable.

The National Information Technology Development Agency (NITDA) has also resolved to sanction and rein on loan apps and their lending platforms operating in Nigeria over these unethical practices of blackmailing and threatening consumers and their contact lists who were never parties to the loan agreement, whenever there is an alleged repayment default.

This is the link to 9Credit on Google Play Store. Nigerian consumers and quick loan seekers should boycott this app.


1. NairaPlus

2. BorrowNow

3. LCredit

4. 9ja Cash (Owned by Soko Lending Company Ltd)

5. Cash Wallet

6. GGMoney

7. 9Credit

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Disclaimer: Quick Loan Arena is not a loan agency and we do not give out loan to anybody. We however profile and review legitimate and reputable loan agencies and seeks to educate individuals, household and small businesses about loan opportunities and fight for the cause of Nigerians who are being oppressed by loan sharks. Our intervention is to help consumers make informed lending decisions.

Speak with any of our Quick Loan Consultants for more information! Call or Whatsapp Speak with any of our Quick Loan Consultants for more information! Call or Whatsapp +234 (0) 915 382 1578.

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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (, the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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