If you have been asking the question: “How to stop loan apps from accessing your contacts”? This article will review and provide direct answers to your question. It’s been a popular question worldwide since the introduction of Fintech loan apps and digital lending platforms. However, the response to this question will be based on a further breakdown of the stages the question relates to. Is it before you download the loan app, after you have downloaded the app on your phone and received a loan from them or after you have deleted and uninstalled the loan app (whether you collected a loan or not?)
I have personally received many calls, messages, and questions both online and offline from loan app customers and borrowers, many of them asking about: How To Stop Loan Apps From Accessing Your Contacts? After doing extensive research and reading across the board, I have therefore decided to address this question more deeply.
How to Fake Stop Loan Apps From Accessing Your Contacts
The best way to stop loan apps from accessing your contacts is not to download the apps at all. If you already downloaded on your phone, do not borrow money from them thereby not giving them access to your contact list. To deny and disable loan apps permission to access your phone and contact list, do the following:
- Step 1: Go to Settings on your phone.
- Step 2: Open Apps under settings.
- Step 3: Click on Permissions.
- Step 4: Select Contacts under permissions.
- Step 5: Choose the loan app to disable and remove permissions.
You can repeat the same steps to remove location permission, etc. However, the truth is that you cannot stop a loan app from accessing your contacts when you borrow from them. When you access a loan app to borrow, your contacts are usually stored in their database used as your lending guarantee for loan repayment. It simply acts as your collateral.
Your contact immediately gets downloaded into the loan app’s external database, including your personal information like your name, passport photograph, BVN, and phone number, immediately after you borrow a loan from them. The truth here is that even if you uninstall the app or delete the app after borrowing from them, you are still at their mercy because they already have access to your contacts already.
The ability to secure instant credit within minutes just after a few clicks on a loan app or a digital lending platform, and particularly without collateral or any form of documentation made these quick lending apps and instant online banks a darling of many people. It’s not just a great excitement but a revolutionary innovation to know that you can access instant cash of say N20,000, N50,000, or N100,000 at the corner of your room within a few clicks on your mobile phone without visiting any bank and without any physical correspondence in times of cash emergencies.
However, if you are fast enough, you can actually stop them from accessing further information on your mobile phone. To do so, you have to disable the permission you granted them. To do this, go to your phone settings, scroll down to permission, and stop the loan app from accessing your phone storage, gallery, contact, or SMS. You have to be very fast for this to be successful. So in this case, they only have your name and your phone number, so they only deal with you personally.
Another potent way that you can stop loan apps from accessing your contact is by repaying your borrowed loan as at when due and uninstalling the app from your phone. So you have to pay up first, before deleting the app. This way, you are free from their embracement.
How to Stop Loan Apps from Sending Messages to Your Contacts
The best way to stop loan apps from sending messages to your contact is by not taking a loan from the loan app in the first place. When you don’t patronize them, they won’t have access to your contact; talk less about sending messages to them.
Loan apps only send messages to your contact list when you don’t pay your dues on time. These messages are usually threatening and defamatory messages. Do note that this only applies to fake loan apps as we earlier covered in this article.
Legit loan apps and lending platforms are not known for this. Sometimes they go as far as calling your contact list and telling them to warn you. You must have read about how fake loan apps have destroyed the image of individuals by sending threatening and defamatory messages to their contact list.
How Do I Stop Online Loan Sharks from Sending Messages to my Contacts?
If you must borrow money, please patronize only authentic loan apps, and leave fake, illegal loan platforms and loan sharks, because they will only embarrass you. When you collect loan from them, you give them permission to access your phone database. These permissions could be access to your contacts, messages, camera etc. A lot of people give these permissions in other to use the services the app is offering. Now, for loan apps once you have granted these permissions and you have gotten your loan, go into your phone settings and disable these permissions.
How Do I Stop Lending Apps From Accessing My Information?
To stop an app from accessing your information is very simple. Kindly follow these steps to stop an app from accessing your information.
Option 1: Don’t grant the app permission
First of all, you need to understand that not all apps deserve to get permission to access your information. Some of them should end up just installing them and never giving them access to your private information such as contacts, messages, etc.
Option 2: Remove Permissions from Settings
If you have granted the app access to your information, that is fine. You can still remove the permissions by going to your phone settings and selecting the app and proceeding to remove the permission. After that, the app would stop having access to your information.
In some cases, these apps might download a copy of your information already into their server (database) and would only take an in-house person to remove them. Endeavor to read the terms of any app you are downloading to know what information they collect from you.
Option 3: Uninstall the App
Another alternative is to remove the app completely from your phone. If you remove an app from your phone it would stop collecting your information if you already gave it permission.
How To Prevent Loan applications From Accessing Your Contacts on Android and iOS Devices
To prevent loan apps from ever accessing your phone and contact list, and to completely stop scam platforms like Sokoloan or LCredit from messaging your contact, do the following:
- Do not download any lending app on your phone.
- Do not approve or collect any loan from the loan apps if you ever downloaded anyone on your phone, (either mistakenly or inadvertently).
- Do not give permission on your phone for any loan app to access your contact list. That essentially means you cannot have access to collect their loans.
- And of course, do not collect any instant loan from a lending platform.
However, you can still stop a loan app from further accessing your phone contacts if you have already collected a loan from it. To do this, safely uninstall the app and do not patronize their services anymore. However, your previous contacts remain in their database if you ever collected a loan from them.
If you accidentally gave permission to an app to access your contacts and messages, how do you stop this?
If you are using an Android device and you have mistakenly downloaded a fraudulent app, or If you are indebted to any of the illegal loan platforms, and you are afraid of defamatory messages to your contacts, then take the following steps.
Go to settings in your android phone, and click on apps and notifications. Scroll down to app permission and deny them access to your contacts, sms, photo gallery, and storage on your phone, they won’t be able to reach out to your phone contacts anymore or post your pictures and details to social media. They would only have your number and have only you to deal with.
However if you haven’t installed any lending app on your phone, or you have installed but not yet collected a loan from the app, or you are still contemplating on collecting a loan and you haven’t given permission on your phone for the app to access your contacts, then you can very well stop loan apps from accessing your contacts.
How do I block messages from loan apps?
- Go to your messages app. (make sure it is the default / original message app by google.)
- Next, tap the three-dot menu that is at the top right.
- Select block number.
- If you do not see the block number option, continue with the steps below.
- Choose the details option.
- From here, select block and report as spam.
- Tap ‘OK’ to block all messages from this sender in the future.
Can a loan app block my BVN?
How can I stop loan app harassment in Nigeria?
The best way to report online loan harassment in Nigeria is to report it to the Google Playstore,(Google Play Protect) while the second option is to report such app to an online media platform so the harassment could be publicized and gain awareness and perhaps the government get to see it and take immediate actions.
What Are The Top 10 Best Legit Loan Apps in Nigeria for superfast Loan?
The top 10 best loan apps in Nigeria in 2023 that are legit with the fastest loan approvals are: Branch Loan App, Carbon Loan App, FairMoney Loan App, Aella Loan App, Umba Loan App, QuickCheck Loan App among others. These apps all have fast loan application processes, lowest interest rates, customer data privacy, and loans are disbursed within few minutes.
The following are the top 10 cash advance and lending apps for superfast quick loans in 2023.
|Rank||Best Loan Application||What Loan App is Best For?||Download Size on Google Play|
|1.||Branch Loan App||For Lowest Interest||10 million+ Downloads|
|2.||Carbon Loan App||For Building credit score||1 million+ Downloads|
|3.||FairMoney Loan App||For Highest Loan Tenure||5 million+ Downloads|
|4||Aella Loan App||For Customer Data Privacy||1 million+ Downloads|
|5.||Umba Loan App||For No Late or Rollover Fees||1 million+ Downloads|
|6.||Renmoney Loan App||For Microfinance Loan||500,000+ Downloads|
|7.||QuickCheck Loan App||For Excellent Customer Service||1 million+ Downloads|
|8.||Alat by Wema||For Salary Earners||1 million+ Downloads|
|8.||Lendigo Loan App||For Small Business Loan||500,000+ Downloads|
|10.||Quick Credit Loan App||For Instant Loan Processing||500,000+ Downloads|
The loan apps you borrow from uses your contact list as collateral and guarantee in case you default on your repayment. Please note that you may not be able to completely stop loan apps from accessing your contacts, if you already borrowed money from them. Why is this? Because your phone contacts will immediately be downloaded safely on the loan apps’ external database against your name, BVN, and other profile details and even though you later deleted or uninstalled the loan app, it makes no difference. You stand in their mercy.
However, you can prevent the lending apps from perpetually accessing your contacts? You can stop them from further accessing your phone contacts and other details until you have granted permission. How do you get this done?
Simply scroll down to app permission and stop loan apps from accessing your contacts, sms, photo gallery, and storage on your phone, they won’t be able to reach out to your contacts anymore or post your pictures. They would only have your number and have only you to deal with.
It therefore becomes important to note that your only guarantee or tool to prevent or stop loan apps from accessing your contacts is not to download their apps on your phone or to not collect their loans, or not to grant them permission to access your contact data. You should know that you already signed in and approved your contacts to be compromised and stored in their database once you hit loan approved on your phone.