How to stop loan apps from sending messages to my contacts?

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There are so many loan apps these days that offer to give you small loans at good interest rates. With the current hardship Nigerians are facing, it is perhaps no surprise that there are lots of people looking for loans, in a bid to survive the harsh economy.

This however has led to many fraudulent and unregistered loan apps in the market, which grant people loans at ridiculous interest rates and also resort to shady tactics in a bid to get defaulters to repay the loan.

Some of these tactics including sending defaming and threatening messages to the defaulters’ close friends and families, after obtaining the contacts from their phones.

Some of these loans will send their defaulters death threats, spreading false rumors about them to their contacts, including telling people that you have HIV and some other deadly diseases, all in a bid to get them to repay their outstanding loan.

If you want to know how to stop loan apps from sending messages to your contacts, then you will need to continue reading this post.

Remember to leave us a comment after you finish reading and also share with your friends on social media.

Let’s get into it then…

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How to stop loan apps from sending messages to my contacts?

Some of these loans will send their defaulters death threats, spreading false rumors about them to their contacts, including telling people that you have HIV and some other deadly diseases, all in a bid to get them to repay their outstanding loan.

The following are some of the ways to stop loan apps from sending messages to your contacts:

Turn off permissions

When you download and install a loan app, you will usually be asked to grant permission to the loan app to access your contacts. If you accept this, the loan app will have access to all your contacts and therefore can send messages to them, when you default on your loan.

If you want to stop the loan apps from having access to your contacts, you will have to turn off the permissions given to the loan app by doing the below

1. Navigate to settings on your android or iOS device
2. Navigate to apps manager
3. Navigate to apps permission
4. Select the loan app that you want to deny access to your contacts
5. You can then revoke the access

Once you do the above, the loan app will no longer have permission to access your contacts on your mobile phone.

Repay your loan

If you want to prevent loan apps from sending messages to your contact, then you will need to repay your loan before the due date.

When you take a loan, there is usually a set date in which you will need to pay back your loan. Failure to repay the loan and it will incur additional interest, as well as running the risk of defaming messages being sent to your contact.

Always make sure you pay back your loan at the agreed date, and if you know you will not be able to pay back, then don’t take the loan.

Use reliable/registered loan apps

Another way to prevent loan apps from sending your contacts messages, is to only use reliable and registered loan apps. This is because these loan apps will not result to such shady tactics in order to get you to pay back your loan.

Before taking a loan, you should ensure that the loan app is registered with the central bank of Nigeria. This will prevent any risk of defaming messages being sent to your phone contacts.

Some registered loan apps you can take loans from are branch loan app, carbon loan app, renmoney, fairmoney and many more.

However, this doesn’t mean that you should take loans without the intention of paying back, as failure to repay your loans on these apps, may lead to you being blacklisted and unable to access loans in the future.

Uninstall the app

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If you want to prevent loan apps from sending messages to your contacts, you may need to uninstall and delete the app.

If you have not given the loan app permission to your contacts, you can easily uninstall the app and they will not be able to access your contacts.

If you have already granted them permission, you will have to revoke the permission from your phone settings, before you should delete/uninstall the app.

Avoid taking loans

This one is obvious, but it has to be said. If you don’t want these loan apps to send defaming messages to your contacts, then you should not take loans from them.

When you take loans and fail to repay, these loan apps will send defaming and threatening messages to your contacts, in a bid to get you to repay your outstanding loan.

Summary

You should always make sure you repay your loans, as there are several consequences that can come with you failing to repay a loan you took. However, you will do well to avoid some of the shady loan apps that offer to give you money at good interest rates.

With the above, you should now know how to stop loan apps from sending messages to your contacts. If you require further help, you can leave us a comment below in the comment section or visit our contact us page and we will get back to you as soon as we possibly can.

Conclusion

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