How To Stop Loan Apps From Accessing Your Contacts

In this present digital era where financial transactions and services are increasingly facilitated through mobile applications, concerns about privacy and data security have become paramount. One significant area of concern revolves around the permissions granted to loan apps, particularly access to personal contacts. Many users are apprehensive about sharing such sensitive information, fearing potential misuse or unauthorized access. However, with a proactive approach and the right knowledge, it is possible to safeguard your privacy and prevent loan apps from accessing your contacts.

Why Loans Apps Request Access to your Contacts

Before delving into preventive measures, it’s essential to grasp the reasons why loan apps request access to your contacts. Typically, loan apps use this information to streamline the application process and enhance user experience. By accessing your contacts, these apps can expedite tasks such as reference verification, thereby making the borrowing process more efficient.

However, the proliferation of fake loan apps and predatory lending practices has raised legitimate concerns. Some unscrupulous entities exploit access to contacts to engage in harassing or defamatory behavior, particularly when borrowers default on payments. Recognizing these risks underscores the importance of taking proactive steps to protect your privacy.

How to stop loan apps from accessing your contacts

Review App Permissions

The first step is to review and manage app permissions on your device. Navigate to your device’s settings, locate the “Apps” or “Applications” section, and select the specific loan app in question. From there, you can adjust permissions, including access to contacts.

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Revoke Contact Access

Within the app’s permissions settings, disable access to contacts. This prevents the loan app from retrieving or utilizing your contact list for any purpose. Be thorough in ensuring that all unnecessary permissions are revoked to minimize data exposure.

Consider Manual Entry

Some loan apps may require contact access for specific functions, such as reference verification. In such cases, opt for manual entry of contact details rather than granting broad access to your entire contact list. This approach allows you to control which contacts are shared with the app.

Prompt Repayment and Uninstallation

To mitigate the risk of harassment or misuse of contact information, prioritize timely repayment of loans. Once you’ve settled your dues, uninstall the app from your device to remove any residual access or data storage. This ensures a clean break from the app and reduces the likelihood of further contact-related issues.

Vigilance in App Selection

Exercise caution when choosing loan apps, particularly those with access to sensitive information. Research the reputation and credibility of the app provider, including reading user reviews and examining privacy policies. Opt for reputable and trusted lenders to minimize the risk of privacy breaches.

Research Privacy Policies

Before using any loan app, thoroughly review its privacy policy to understand how your data is handled and secured. Look for transparency regarding the handling of contact information and ensure that robust privacy practices are in place.


How do I block a loan app from accessing my contacts?

To block a loan app’s access to your contacts, go to your device’s Settings, navigate to the Apps Manager, click on Apps permissions, and select the specific loan app. Disable the app’s access to contacts in the permissions settings.

How do I remove my information from a loan app?

Uninstall the loan app from your device by going to your list of apps and tapping “Uninstall” or “Delete” next to the app name. This action removes all data, accounts, and permissions associated with the app, ensuring your contact information is no longer accessible.

How do I delete a contact from my loan app?

Revoke the loan app’s access to contacts by going to your phone’s settings, selecting apps and notifications, finding the loan app, tapping on it, and adjusting permissions to ensure the app no longer has access to your contacts.

Can a loan app access my contacts if uninstalled?

No, if you uninstall a loan app and deny it permission to access contacts before uninstallation, it should not be able to access your contacts. Access is typically contingent on your permission.

Do loan apps still send messages to your contacts?

If you deny a loan app all permissions and then uninstall it, the app is unlikely to send messages to your contacts. Apps require explicit permission to access contacts, and without it, they cannot interact with your contact list.

Can a loan app block my BVN?

No, loan apps in Nigeria cannot block your BVN. Only the Central Bank of Nigeria (CBN) has the authority to place restrictions on your BVN, usually in cases of non-repayment where your identity may be reported to the National Credit Bureau.

How do I get rid of fake loan app harassment?

Report the harassment by taking a screenshot of the evidence, providing brief details of the complaint, and visiting the nearest police station or cyber cell to file an official report. Reporting such incidents promptly is essential to address the issue and protect yourself from further harassment.

What happens if I don’t pay my FairMoney loan?

Failure to repay your FairMoney loan on time results in negative impacts on your credit score. FairMoney reports to credit bureaus, including CIBIL, as required by law. Non-repayment could harm your credit history, potentially lowering your CIBIL score and affecting your ability to secure future loans.

How do you know if an app has access to your contacts?

To check if an app has access to your contacts on Android, go to Settings, Privacy, Permission Manager, and then Contacts. There, you can view a list of apps with permission to access your contacts, allowing you to manage and control access.

Can loan apps access my photos?

Google has updated its policy on Personal Loans, stating that apps primarily providing or facilitating personal loans may not access user contacts or photos. This ensures increased privacy and security for users regarding their personal data, including photos.


Protecting your privacy in the digital realm requires proactive measures and informed decision-making. By following the steps outlined above, you can effectively prevent loan apps from accessing your contacts and minimize the risk of privacy breaches. Whether through careful management of app permissions, timely repayment of loans, or judicious app selection, empowering yourself with knowledge and taking decisive action is key to safeguarding your personal data and ensuring a secure borrowing experience.

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