List of Loan Apps That Call Contacts and Send Messages to Contacts

When it comes to borrowing money, traditional methods such as bank loans and credit cards may not always be the most convenient or accessible options for everyone. This is where loan apps come into play. 

These apps offer a quick and easy way to apply for and receive a loan, right from the comfort of your own phone. However, some of these loan apps go a step further by accessing your contacts and using them as a means of communication. In this blog post, we will be listing out some of the loan apps that call and message your contacts, so you can make an informed decision when it comes to choosing the right app for your borrowing needs.

Why Do Loan Apps Calls And Send Messages To Contacts  

Loan apps often require access to your contacts for a few reasons:

  1. Referral Programs: Some loan apps have referral programs that offer rewards or incentives to users who refer their contacts to download and use the app. By accessing your contacts, these apps can identify potential new users and encourage you to invite them.
  2. Verification: Loan apps may use your contacts to verify your identity or to assess your creditworthiness. They may cross-check the information you provide with the contact details of your references or associates.
  3. Collection Activities: In some cases, loan apps may access your contacts to facilitate collection activities. If you default on a loan, they may call or message your contacts to locate you or put pressure on you to repay the debt.
  4. Marketing and Promotions: By accessing your contacts, loan apps can use them as a marketing database. They may send promotional messages to your contacts to attract new users or advertise their services.

While accessing contacts can provide convenience or benefits, it is important to understand the implications and ensure your privacy and security are protected.

List of Loan Apps That Call Contacts and Send Messages to Contacts 

If you're considering using a loan app but are concerned about the app's access to your contacts, we've compiled a list of apps that have been known to call and message your contacts. Remember, this list is not exhaustive, and these apps may change their practices at any time. Here are some loan apps to be aware of:

  • ForNaira
  • 9credit
  • Oxloan
  • Rapid Naira
  • 9ja Cash
  • GetCash
  • KashKash
  • GoCash
  • LCredit
  • Xcredit
  • CashLion
  • LionCash
  • Softpay
  • Monicredit
  • Ucredit
  • EasyCredit
  • SokoLoan
  • ICoin
  • NKash

Please keep in mind that the reasons for loan apps accessing your contacts can vary, so it's essential to understand how your data is being used and consider your privacy and security.

Remember to research each app thoroughly before deciding to use it, and be aware of the potential implications of granting access to your contacts.

How To Stop Loan Apps From Calling And Sending Messages To Your Contacts 

If you're concerned about loan apps accessing your contacts and bombarding them with calls and messages, there are steps you can take to protect your privacy. Here are some tips on how to stop loan apps from contacting your contacts:

  1. Review App Permissions: When installing a loan app, pay attention to the permissions it requests. If it asks for access to your contacts, consider whether it is necessary for the app's functionality. If not, you may choose to deny that permission.
  2. Manage App Settings: Within the settings of the loan app, you may find options to disable communication with your contacts. Explore the app's settings and toggle off any features that involve contacting your contacts.
  3. Revoke Permissions: If you've already granted a loan app access to your contacts, you can revoke that permission. Go to your phone's settings, locate the app, and revoke the permission to access your contacts. Keep in mind that this may affect certain app features.
  4. Opt-out or Unsubscribe: If you're receiving unwanted calls or messages from a loan app, look for the option to unsubscribe or opt out. Often, there is an option within the message itself or in the app's settings to stop receiving communications.

Remember, it's important to be cautious and consider your privacy and security when using loan apps. Take the necessary steps to protect your personal information and ensure a positive borrowing experience.

Read Also: How To Upgrade Your Palmpay Account Easily


Does Okash send messages to contacts?

Okash and similar loan apps may request access to your contacts, but they generally do not send messages or make calls to your contacts without your explicit consent. It's important to review the app's permissions and privacy settings to ensure you're comfortable with the access they request.

Can Palmcredit call my contacts?

Typically, Palmcredit or similar loan apps do not call your contacts without your permission. They may request access to your contacts for purposes such as identity verification or debt collection, but the app should not initiate calls to your contacts on its own.

Will PalmPay call my contacts?

Similar to other loan or financial apps, PalmPay should not initiate calls to your contacts without your consent. However, they may request access to your contacts for verification or other legitimate purposes.

Can a loan app access my contacts if uninstalled?

No, once you uninstall a loan app or any other app, it should no longer have access to your contacts. Uninstalling the app typically revokes its permissions, including access to your contact list.

How do I remove my number from loan apps?

To remove your phone number from loan apps or similar services, follow these steps:

  • Open the loan app: Launch the app on your device.
  • Go to settings or account settings: Look for the settings or account settings section within the app.
  • Review your profile information: Check your profile or account details for the option to remove or update your phone number.
  • Update or remove your phone number: Follow the on-screen instructions to change or delete your phone number from your profile.
  • Contact customer support: If you can't find a way to remove your number within the app, reach out to the app's customer support for assistance.

It's important to maintain control over your personal information and permissions on your device, including who can access your contact list.


In a world where borrowing money has become more accessible through loan apps, it's important to understand the implications and consequences of granting these apps access to your contacts. While some loan apps may use your contacts for referral programs, verification purposes, collection activities, or marketing campaigns, it's crucial to consider your privacy and security.

Remember, your personal information should always be safeguarded, so take the necessary precautions and ensure a positive borrowing experience.

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