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What to Do When Loan Apps Send Messages To Your Contacts and Still Threaten You and Them.

What to Do When Loan Apps Send Messages To Your Contacts and Still Threaten You and Them.

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It is important to discuss the repercussions of borrowing money from loan apps in Nigeria and the significance of not repaying the loan as agreed, to avoid harassment. In this article, we will look into alternative ways to borrow money without relying solely on loan apps, as well as address the issue of loan apps sending messages to your contacts and threatening both you and them. We will also answer three frequently asked questions regarding borrowing money in Nigeria. By the end, you will have a comprehensive understanding of responsible borrowing practices to protect yourself from unnecessary trouble.

What to Do When Loan Apps Send Messages To Your Contacts and Still Threaten You and Them.
What to Do When Loan Apps Send Messages To Your Contacts and Still Threaten You and Them.

Borrow Money Responsibly – Prevention is Better Than Cure

Every responsible borrower understands the importance of repaying their loan on time to avoid unnecessary harassment. When you borrow money from a loan app in Nigeria, it is crucial to honor your commitment and pay back the loan time. By doing so, you not only maintain your financial credibility but also avoid potential consequences that may arise from defaulting on your loan.

Alternative Ways to Borrow Money Without Using Loan Apps

Traditional Banking Institutions

While loan apps offer convenience and speed, traditional banking institutions should not be overlooked when it comes to borrowing money. Banks often provide personal loans with competitive interest rates and flexible repayment options. Consider exploring this avenue, especially if you require a larger loan amount.

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Peer-to-Peer Lending

Peer-to-peer lending platforms connect borrowers with individual lenders who are willing to fund their loan requests. These platforms provide an alternative to loan apps by fostering a direct lending relationship. Peer-to-peer lending offers a simple and transparent process, often with lower interest rates than traditional loan apps.

Microfinance Institutions

Microfinance institutions play a crucial role in providing financial services to individuals who may find it challenging to access credit through conventional means. They offer small loans, often with manageable repayment terms and lower interest rates compared to loan apps. Research and identify reputable microfinance institutions in your area for potential borrowing opportunities.

What to Do When Loan Apps Send Messages To Your Contacts and Still Threaten You and Them

Communicate with the Loan App

If a loan app starts harassing you and your contacts, it is important to first communicate with them directly. Reach out to their customer service department and explain the situation. Request that they cease contacting your contacts and remind them of their responsibility to adhere to ethical practices. Document any conversations or correspondence for future reference.

Report to Regulatory Authorities

If the loan app persists in harassing you and your contacts, it may be necessary to report their behavior to the relevant regulatory authorities. In Nigeria, you can reach out to the Consumer Protection Council (CPC) or the Central Bank of Nigeria (CBN) to lodge a complaint and seek assistance in resolving the matter.

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Seek Legal Support

In extreme cases of harassment or unlawful practices, seeking legal support may be necessary. Consult with a lawyer who specializes in consumer rights and debt collections to understand your options and potential legal recourse. They can guide you through the process and help protect your rights as a borrower.


Why do loan apps send messages to my contacts?

Loan apps may send messages to your contacts for various reasons. One possible explanation is that these apps use contact information to verify your identity or assess your creditworthiness. By accessing your contacts, the app can validate your personal and professional connections, which can be used as a factor in determining your eligibility for a loan. However, it is crucial to note that not all loan apps engage in this practice, and it is important to review the terms and conditions before sharing your information.

What should I do if a loan app sends messages to my contacts without my consent?

If a loan app sends messages to your contacts without your consent, it can be unsettling and potentially damaging to your relationships. Here are steps you can take to address the situation:

  • Check the app’s permissions: Review the permissions you granted to the app during installation. Ensure that you have not provided access to your contacts or any other sensitive information. If the app has access to your contacts, consider revoking this permission immediately.
  • Contact the app provider: Reach out to the app provider and express your concerns about messages being sent to your contacts without your consent. Request clarification on their policies and demand that they cease this practice. If they fail to address your concerns or fail to provide a satisfactory explanation, consider uninstalling the app and leaving a negative review to warn others.
  • Inform your contacts: If the loan app has already sent messages to your contacts, it is crucial to inform them about the situation. Advise them to exercise caution and disregard any messages or requests they may receive on your behalf. Explain that their contact information may have been accessed without your consent, and emphasize the need for them to be vigilant about their digital security.
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Can loan apps legally threaten me and my contacts through messages?

Loan apps should not engage in any illegal or threatening behavior. If you receive messages that contain threats or coercive language, it is essential to understand your rights and take appropriate action. Here’s what you can do:

  • Document the messages: Take screenshots or keep a record of any threatening messages you receive from the loan app. This evidence will be useful if you decide to escalate the issue.
  • Report the app: Contact the relevant authorities, such as consumer protection agencies, and file a complaint against the app. Provide them with all the relevant information and evidence to support your claim.
  • Consult legal counsel: If the situation escalates or you face severe threats, it may be necessary to seek legal advice. A lawyer specializing in consumer rights or digital privacy can guide you on how to protect yourself and pursue legal action against the loan app.


Having loan apps send messages to your contacts without your consent can be distressing and potentially harmful to your relationships. It is essential to take immediate action, such as revoking permissions, contacting the app provider, and informing your contacts about the situation. Additionally, threats or illegal behavior from loan apps should never be tolerated, and steps should be taken to document the messages, report the app, and consult legal counsel if necessary. By being proactive and vigilant, you can protect yourself, and your contacts, and ensure a safer lending experience

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