How To Block Loan Apps From Accessing My Contacts (Calling My Friends)



Is it safe to give loan apps access to your contacts? What to do if you want to block it? We always wonder whether we should agree to let loan apps that we borrowed money from to access our contacts. This post will share with you how to block loan apps from accessing your contacts.

As more people turn to digital loan apps for quick access to funds in Nigeria, you may have noticed an alarming trend. Many of these apps require access to your phone contacts as a condition for approving your loan.

However, accessing contacts may seem like an harmless request, it is a violation of privacy and puts you and your contacts at risk of harassment. This post provides steps to revoke contact access in order to better safeguard your information. By being vigilant and taking proactive steps to protect your data, you can avoid unwanted calls and messages to friends and family and use loan apps more securely.

Topics to be covered in this post;

How do I stop loan apps from calling my contacts?

How do I remove contact details from loan app?

How do I stop my loan company not connecting my contacts?

Can loan app access my contacts if uninstalled?

Which loan app locks phone?

Also read; How to Remove BVN from Opay Account Without Phone Number, NIN & Email Address

How These Apps Get Permission to Access Your Contacts

When you download a loan app, it will typically request access to your contacts in order to verify your identity and evaluate your creditworthiness. However, some unscrupulous apps may access your contacts for other reasons. How to Remove Contact List From App

To safeguard your privacy and the personal information of your contacts, it is advisable to remove contact list access from any loan apps on your device. The specific steps to revoke contact access will depend on your phone’s operating system:


  1. Open the Settings app on your Android phone.
  2. Tap ‘Apps & notifications’ or ‘Application manager’.
  3. Tap the loan app you want to remove contact access from.
  4. Tap ‘Permissions’.
  5. Turn off the ‘Contacts’ permission.


Open the Settings app on your iPhone.

  1. Scroll down and tap the loan app.
  2. Tap ‘Contacts’.
  3. Turn off ‘Contacts’ to remove access.

Revoking contact access for any app on your phone is a prudent step to safeguard sensitive personal data and maintain privacy. Regularly reviewing the permissions granted to apps and making appropriate changes can help users take control of their digital security.

Why Do Loan Apps Need Access to Contacts?

Loan apps request access to your phone’s contact list for a few reasons:

  1. To verify your identity. By cross-referencing your contacts with information from your social media profiles and other public data sources, the app can confirm details like your name, location, and connections to other people. This helps prevent fraud and ensures the applicant is a real person.
  2. To assess your creditworthiness. The app may analyze your social connections and contacts to make assumptions about your income, profession, education level, and other factors that could influence your ability to repay a loan. While controversial, some companies claim this provides a more well-rounded view of an applicant with little or no credit history.
  3. To market to your contacts. Some unscrupulous apps access your contacts solely to reach out to your friends and family with promotional messages, often without properly disclosing how they obtained the contact information. This practice is considered predatory and should be avoided.

Most mainstream loan apps request access to your phone contacts to verify your identity and better evaluate your loan application. However, you should be wary of any app that cannot provide a clear explanation for why it needs access to your personal information or that uses your data for undisclosed marketing purposes. If needed, you can remove an app’s access to your contacts through the settings on your phone.

What is a loan application to access contacts?

Loan applications that access contacts is something that not all customers know about. Granting access permission will help apps get the phone numbers of people in your contacts.

From there, when they don’t pay, they will call and bother your relatives. This is one of the necessary procedures that most loan apps do not reveal the truth of the information you provide.

Some lending apps will require permission to access contacts to continue the loan transaction. 

How to block loan apps from accessing contacts 

How to block loan apps from accessing iPhone contacts

1: Access the “Settings” section on the phone.

2: Scroll down to find and select the application where you are applying for a loan.

3: In the “Contacts” section, flip the switch to stop allowing access to your contacts.

How to block loan apps from accessing Android contacts

1: Click on “Settings”, select “Privacy”, “Application permissions”, then select “Contacts”.

2: Here you will see which applications are accessing your contacts. You want to block selectable access to that app. 

With quick loan registration apps, customers will be asked to grant access to their contacts. You need to pay attention to this to avoid being accessed by loan applications, which will greatly affect your life later.

How do I stop loan apps from calling my contacts?

To remove access to your phone’s contact list from loan apps in Nigeria, follow these steps:

1. Uninstall the Loan App

The first step is to uninstall the loan app from your Android or iOS device. This will remove the app and revoke its access to your information.

2. Review App Permissions

Next, review the app permissions on your phone to ensure the uninstalled loan app no longer has access. On Android, go to Settings – Apps & notifications – See all apps. Find the loan app and tap it. Tap Permissions and turn off any permissions, especially Contacts and Storage.

On iOS, go to Settings – Privacy – Contacts. Find the loan app and turn off its access to Contacts. Do the same for Calendars, Reminders, and Photos.

3. Reset Advertising ID

It is also a good idea to reset your advertising ID, which some loan apps use to track user behavior. On Android, go to Settings – Google – Ads – Reset advertising ID. On iOS, go to Settings – Privacy – Advertising – Reset Advertising Identifier.

4. Be Cautious of Reinstalling

Only reinstall loan apps if absolutely necessary and be extremely cautious, as some apps may still have access to your information even after uninstalling and resetting permissions. It is best to find alternative sources for loans that respect users’ privacy.

By following these recommended procedures, you can safeguard your personal contact information and ensure loan apps in Nigeria no longer have access. Be vigilant and continue monitoring app permissions regularly.


Now, you have the knowledge and tools to protect your privacy and personal information when using loan apps. Be vigilant in reviewing app permissions before granting access and take proactive steps to revoke permissions for any apps you no longer use. Safeguarding your contact list and staying in control of who has access to your information is one of the most important things you can do in today’s digital world.

While loan apps can provide convenience, you must go in with eyes open to their data collection practices. Your personal relationships and privacy are too valuable to sacrifice for any service. Stay empowered by using this guide to keep predatory apps out of your phone and away from your contacts.


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