Apps & SoftwareTech

How to stop loan Apps from accessing your contacts

A lot of people are seriously complaining that loan apps get access to their contacts and send embarrassing messages to their contacts. How to stop loan Apps from accessing your contacts will be explained in this article. There is a way to go around it. You can take a loan and even when you default your contacts won’t be available for the loan company to reach out to.
P.s I am not encouraging you to take loans without repayment. But I understand where time may stretch and payment may come late. Its totally wrong for these companies to reach out to your contacts and send derogatory messages.

How to 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 have them downloaded on your phone already, do not borrow money from them thereby not giving them access to your contact list.


If none of those options helps you, follow these steps to stop loan apps from accessing your contacts

Step 1: Go to Settings on your phone

The menu appearance might be different from our demonstration here but similar steps.

Step 2: Open Apps under settings

Step 3: Click on Permissions

This would open the permission manager to show you which app is using specific permission.

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 used as your 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.

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 my 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 debt when due. These messages are usually threatening and defamatory messages. Original loan apps are not known for this. Sometimes they go as far as calling your contact list and telling them to warm you.

If you must borrow money, please patronize authentic loan apps, and leave fake loan apps, they will only embarrass you. This post is about loan apps sending messages to contacts in Nigeria which has become rampant. I hope our guide helps you come through.

How Do I Stop An App 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.

Step 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.

Step 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.

Step 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 do I stop the loan app from calling my contacts?

Go to settings in your android phone, click on apps and notifications. Scroll down to app permission and deny them access to your contacts, sms, photo gallery and storages on your phone, they won’t be able to reach out to your phone contacts anymore or post your pictures and details to the social media.

How do I delete data from loan app?

Should you wish to remove that entry, you need to hover your cursor on the Estimate Basis field, use the ‘Tab’ button on your keyboard to move into the Estimate Basis field and wait for a little “-” icon to appear. Simply click on that icon to delete your entry and voilà, the field will then be blank!

How do I get loan companies to stop sending messages to my contacts?

Meanwhile there is a way to block the app from accessing your contacts.

  1. Go to your phone setting.
  2. Go to app permission or managements depending on your phone.
  3. Click on the loan app and scroll down to permissions.
  4. Click on it and deny all permissions.

When you delete a loan app do they still have access to your contacts?

After deleting the app, all permissions are lost. You’ll have to grant permissions again if you decide to reinstall the deleted app. However some apps keep some information about you on their servers even after uninstalling.

Do loan apps download contacts?

If I give a loan app access to all my contacts and decide to delete later, would they still have access to my contacts? They will ‘harvest’ your contacts almost as soon as you give them access, so they don’t care much if you turn off the access or delete the app.

How do I stop my loan app from debiting my account?

Call and write your bank or credit union

Tell your bank that you have “revoked authorization” for the company to take automatic payments from your account. You can use this sample letter . Some banks and credit unions may offer you an online form.

Can loan apps block your BVN?

Can loan apps block my BVN? There have been cases where people have complained about loan apps threatening to block their BVN. If you have been wondering if it’s possible for them to do that, then the answer is NO. Your BVN can only be blocked by the Central Bank of Nigeria.


Once you grant permission for the first time to any loan app, all the information they need about you is stored. If you are indebted to any of those illegal loan platforms, and you are afraid of defamatory messages to your contacts, go to settings in your phone, click on app and notifications.

Scroll down to app permission and deny them access to your contacts, SMS, photo gallery and storages 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. Finally, ensure to only borrow only what you can pay.

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