Is there any loan app in Nigeria that doesn’t call contacts? Well, if you are looking for loan apps that don’t call your contacts, then you are about to read the most interesting answer to your question.
The issue of loan apps calling customers’ contacts has been one of the most disturbing aspects of borrowing using loan apps.
There have been instances where these apps will call you or your contacts indiscriminately, distracting your daily activities and giving you uncountable reminders.
The most annoying part is when they start accessing your phone contacts and calling them too.
A lot of Nigerians today have experienced uncountable embarrassment and harassment from loan apps via indiscriminate phone calls.
Because of these, a lot of people have been searching to know how to completely stop these loan apps from calling their phones, their friends, and family.
So in this article, we will answer the big questions, including:
- Are there loan apps that don’t call contacts?
- Why do loan apps access your contacts?
- How can you stop loan apps from calling you?
- How can you stop loan apps from calling your contacts?
Why Do Loan Apps Call Your Contacts?
Before we talk about loan apps that don’t call contacts, you need to understand why loan apps usually call your contacts.
There’s one mistake that a lot of people do when applying for loan. When you are applying for loan, most loan apps usually request permission to access your:
- Phone contacts
- SMS
- Phone storage
- Photos/Gallery
A lot of people don’t even care about the risk of granting such permission. They just go ahead and grant the permission because they’re desperate to get the money.
Now, here is where the complication starts, if you grant a loan app these permissions, you are granting it permission to access and use your contact list as a pressure tool if you fail to repay your loan.
So with time, if your loan is not repaid, they start using the permissions you granted them to access your device and use any necessary information found to pressure you and these is often referred to as loan app harassment.
With this access, they may:
- Send messages to your contacts
- Call your friends or family
- Call your own contact frequently
If you experience this kind of practice from any loan app, please don’t take it lightly as this is against FCCPC regulations, so do well to report them to FCCPC.
Are There Loan Apps That Don’t Call Contacts?
Almost all loan apps in Nigeria call borrowers to pressure them to repay their loans, but it’s not all loan apps that will call your contacts (family and friends) to report you.
Most reputable loan apps in Nigeria do not rely on contact shaming for loan recovery, rather they focus on more compliance approaches like:
- Bad Credit scoring
- Reporting to Credit Bureau
- Automated direct debits / GSI Recovery
- Legal action & demand notices
- Loan Access Denial
- Loan repayment plan renegotiation
- In-app/email/SMS reminders to borrower
- Blacklisting within licensed lending ecosystem
Instead of harassing your contacts, they use more compliance financial data and approaches to assess and recover loans legally.
List of Loan Apps That Don’t Call Contacts in Nigeria
No single loan app in Nigeria is perfect, but some are safer than others in their loan recovery practices/approaches.
The following are reputable Nigerian loan apps that use compliance-based loan recovery approaches with little or no embarrassing approaches of contacting your contacts:
- Carbon (Paylater)
- FairMoney
- Branch
- Aella Credit
- Renmoney
- Palmcredit (Palmpay)
- Kuda Overdraft
- Opay Owealth/Okash/Easemoni
- QuickCheck
- NewCredit
Note: this doesn’t mean that these apps will not contact you directly. Almost all of them will contact you to remind you about your loan repayment.
But they will rarely call your contacts because they operate in compliance with FCCPC guidelines and that is why it is always recommendable to borrow from reputable apps only.
See Also: What Happens If You Don’t Pay Back Loan App loan
How to Stop Loan Apps from Calling Your Contacts
If loan apps have been disturbing you with unnecessary calls, then follow these practical methods to stop them.
Method 1: Revoke Contact Permission
This is the most effective step. When installing a loan app, do not grant them permission to access your contacts.
But if you have already granted permission then do this to revoke the permission. For Android Users:
- Go to your phone settings
- Tap on ‘Apps’
- Click on “See all apps” to see all your apps
- Tap the loan app you want revoke
- Tap ‘Permissions’
- Tap each permission like Contacts, SMS, Phone, Storage, Location
- Select ‘Don’t allow’ or ‘Remove permission’ for each of them
For iOS Users:
- Go to your phone settings
- Tap on ‘Privacy & Security’
- Tap the permission type: Contacts, Photos, Camera, Microphone, etc.
- Find the loan app and turn it ‘Off’
Simple Steps:
- Go to your phone settings
- Find the app, tap on it and disable contact permission
Note: Some apps request permissions during setup and if you don’t grant them these permissions, you won’t be able to access their loans.
So to avoid this, you can grant them permission during registration and revoke the permission immediately after registration.
Method 2: Use a Secondary Phone Number for Loans
Instead of using your main number to apply for loans, use a separate SIM card for loan apps.
This will reduce the risk of your personal contacts being exposed and they won’t the able to reach out to the number when it is not active.
Method 3: User Auto Spam Blockers
Most loan apps numbers are always labelled as spam numbers. So you can easily block the numbers.
You can do this by using your phone’s block feature or apps like Truecaller to automatically detect and block spam numbers.
Note: loan agents usually use multiple lines, so you’ll have to keep blocking them.
Method 4: Report Harassment
If a loan app is harassing you, report them to regulators like FCCPC & CBN.
1. FCCPC: Email them via lenderstaskforce@fccpc.gov.ng or file a complaint via fccpc.gov.ng.
You will have to include screenshots, call logs, loan app name in your complaint and FCCPC can fine them up to ₦100M and delist them if found guilty.
2. CBN Consumer Protection: Email them via cpd@cbn.gov.ng if they’re threatening you or using illegal recovery practices.
Method 5. Send a “Cease and Desist” notice to them
You can send a “Cease and Desist” notice to the loan via SMS or email.
Below is an example of such SMS/email :
“I revoke consent for calls/SMS per FCCPC DEON Regulations 2025. Contact me only by email at [write your email] for repayment.”
After sending this, make sure you keep evidence. If they continue calling you after this, then that will violate FCCPC rules and may trigger legal action against them.
Method 6. Repay or restructure the loan
The best way to stop this agents form calling you is to clear the outstanding balance or negotiate a new payment plan.
Loans are not grants, so don’t try to escape it because you can’t completely escape it. So once you’re no longer owning them, the loan agents will stop calling you.
What to Do If a Loan App Already Called Your Contacts?
If a loan app has already called your contacts, do the following:
- Calmly explain the situation to the said contact
- Gather evidence and report the app for data abuse
- Uninstall the app completely
- Clear the app permissions immediately
Are Loan Apps Allowed to Call Your Contacts?
No! Loan apps are not permitted to contact your numbers. It’s illegal.
Using your phone data to harass or shame you is against data protection laws, so gather evidence and report them.
See Also: How to Remove BVN from a Loan App: 2026 Full Guide
Conclusion
There are loan apps in Nigeria that don’t call contacts. Most of them are less likely to call your contacts to report or shame you, but you still need to be careful.
Even though these apps won’t call your contacts, if you default, they may still contact you directly via calls and SMS.
If you refuse to respond positively to their calls, they may report you to credit bureaus.
Are these loan apps really easy to use without bothering your contacts? Sounds convenient!
Yes