How to Stop Loan Apps From Calling You

Are loan apps disturbing your peace? This is very annoying and, of course, disheartening, and I completely understand how you feel. But you don’t need to be bothered anymore. This article contains all the essential information on how to stop loan apps from calling you!

We published this article urgently because we realized that many people are struggling with this issue. Some are even reaching out to us, asking how they can stop these apps from calling them.

The worst part is that most of these calls aren’t human-to-human but robocalls, designed to deliver pre-recorded messages or text-to-speech information automatically. You can’t even express yourself—you simply have to answer and wait for the robot to say whatever it wants or end the call in peace.

One user shared that they sometimes receive up to 20 calls in a day from these apps. What a nightmare! The volume of spammy calls is overwhelming. Even if you try to reject them constantly, you’ll quickly grow exhausted. Or maybe you’re unemployed, and your job is to wake up and start rejecting calls from loan sharks, haha!

Are you tired of all these spammy calls and want to regain your peace of mind? Then you are in the right place!

We kindly advise you to follow the article to the end so that you will not miss any important information!

Why do Loan Apps Call?

There are several reasons why loan apps in Nigeria are calling you. The basic ones are:

1. Debt collection.

Many Nigerian loan apps call borrowers as part of aggressive debt recovery tactics, especially when payments are overdue.

If you ever borrow from any loan app and do not repay, you will definitely experience such calls.

2. Payment reminders.

Loan apps normally call to remind borrowers about upcoming payment deadlines. This serves as a preventative measure to encourage timely repayment and avoid defaults.

3. Marketing and retention.

Loan apps sometimes call customers to offer new loan products, notify them of changes in terms, or try to retain their business with incentives.

These calls are typically less frequent than collection-related calls. However, fake loan apps, often regarded as loan sharks, are known for aggressively calling users (mostly with good credit scores) and pressuring or urging them to borrow. They use this method to get more people who will borrow on their platform.

4. Verification and fraud prevention

Initial calls may also be part of the verification process, confirming borrower identity to reduce fraudulent applications. However, these calls are typically less frequent than collection-related calls.

The Real Deal…

The question now is which of the categories do you fall under? Do you borrow on any loan and do not repay or is it marketing and retention calls you are receiving?

If you are receiving these calls because you borrowed and failed to repay, please kindly repay the loan to have peace of mind. I’m boldly advising you to do so because defaulting on loan apps comes with several consequences (both legal and non-legal) other than just the harassment via calls and messages. Here are the common ones:

1. High penalties and accrued interest

Most loan apps apply excessive interest rates and late fees. What starts as a small loan (e.g., ₦10,000) can balloon to ₦50,000 or more in a few weeks.

2. Contact shaming and public defamation

Many apps send bulk messages to contacts, accusing the borrower of fraud or threatening arrest. Some even edit fake police documents or use WhatsApp groups to shame borrowers. This can ruin reputations, relationships, and even job prospects.

3. Negative credit score (if reported)

If the loan app is linked to a registered credit bureau (like CRC Credit Bureau or FirstCentral), your credit score may be affected, reducing your chances of getting future loans from banks, fintechs, and mortgage firms. However, many shady loan apps are not licensed lenders and do not report to the credit bureau.

Possible Legal Action (but rare)

Licensed lenders may take defaulters to court to recover debts through a civil suit. However, most loan apps avoid legal routes because they are not properly registered or they rely on harassment and blackmail, not legal contracts.

Additionally, some loan apps even go as far as invading your privacy or gaining unauthorized access to your bank account or BVN and then threaten to debit you directly or blacklist your bank details.

Those are the common penalties of defaulting on a loan application in Nigeria, and trust me, you don’t want to experience any of them!

But just like I mentioned previously, there are several reasons why loan apps call. Many users are receiving these calls not because they failed to repay their loans. Some loan apps can still disturb the hell out of you even when you are not owing them. As soon as you sign up on their platform, you are in for it. You will also notice that you do not sign up for some of the apps, yet you are receiving calls from them!

Whatever situation you are facing, we’ve got you covered! I understand that your main motive is to stop these annoying calls, so I’m going to help you do just that. I would have also loved to bring to you what the regulatory bodies in Nigeria are doing about these unethical behaviors of loan apps, but let’s chill and focus on the subject that matters in this article. Our next post will do justice to that!

Is it Possible to Stop Loan Apps From Calling Me?

Yes, it’s possible to stop loan apps from calling.

How to Stop Loan Apps From Calling Me

There are several ways you can employ to stop loan apps from calling you, either on Android or iPhone. However, I’m going to focus on only the prominent and most effective ones for an accurate result. I will be showing you how you can do it traditionally using the inbuilt Android and iPhone functionality, and how you can do it using an app called Truecaller (most infective).

Without wasting time, let’s ride…!

How to Stop Loan Apps From Calling You on Android

On your Android phone,

1. Go to the Phone app.
2. Tap on the Recent Calls list.
3. Tap the info (i) icon next to the loan app’s number.
4. Tap Block / Report Spam.

How to Stop Loan Apps From Calling You on iPhone

On your iPhone,

1. Go to the Phone app > Recents.
2. Tap the info (i) icon next to the number.
3. Scroll down and tap Block this Caller.

Initially, loan apps used to call using different numbers. This means that you have to manually block each and every number coming from them. This will really be a very hard task to deal with. However, you should not be bordered, this is where Truecaller comes in!

How to Stop Loan Apps From Calling You Using Truecaller

This is one of the most effective ways to stop loan apps from calling you. Other apps like Whoscall, Whoscall, Call Control, and Hiya can also execute the job, but Truecaller has proven to be a great option for this based on my personal experience.

Without wasting time, below is the step-by-step guide to stop loan apps from calling you, both on Android and iPhone:

Step 1: Install and Set Up Truecaller

Download Truecaller from the Google Play Store or the Apple App Store if you have not yet installed the app on your phone.

Step 2: Grant permissions

After installation, open the app and grant permissions to phone, contact (optional), and call logs.

Step 3: Set Truecaller as your default dialer

For this app to do this job effectively for you, you will need to set it as your default dialer. This way, you will access the full blocking functionality.

Step 4: Identify and Block the Loan App Numbers

Blocking the loan App numbers is the basic thing you need to do! Truecaller offers two ways to do this;

1. Manual Blocking: When you get a call, Truecaller will automatically identify the caller. If marked as spam or a known loan app, tap 📵 “Block & Report” (if shown), or tap the “info (ℹ️)” icon > Block.
2. From Call Log: Open Truecaller > Call History, tap and hold on the number, and then select Block > Report spam.

Step 5: Enable Auto-Blocking of Spam and Loan Numbers

Enabling auto-blocking of spam and loan numbers is also necessary. To do this, open Truecaller, tap the three horizontal lines (top-left), and access Settings. Go to Block and turn on the block top spammers, block hidden numbers, and block numbers not in your phonebook (optional but useful if you want to allow only known contacts).

Step 6: Manually add to the block list

You will really enjoy this feature! It offers several methods of blocking, including blocking by phone number, caller name, message sender ID, country code, and number series.

The sweetest among all when dealing with loan apps is the “number series.” It’s like using one stone to kill a thousand birds! You know, normally, 95% of the loan apps in Nigeria use similar or the same number series. If you watch carefully, you will notice that their numbers commonly start with 020, 070806, etc.

Now, instead of blocking every one of these numbers manually, you can embrace the “number series” option and rest. To do this, simply head over to your Truecaller, navigate to the “Blocking” tab, and scroll down to the “Manual add to block list” section. Click on the “Number series” and a page will open for you. Simply select “Numbers that start with” (or any of the options you want to deal with) and then add these common loan app number series (mostly 020, 070806, etc), and hit the block button.

What this does is that once any number starting with 020 or 070806 is calling, Truehost will automatically block it before it reaches your phone! Isn’t that awesome?

Without a doubt, Truecaller has made it easy for users to stop these loan apps’ irrelevant calls. Exploring its blocking features in detail can even give you a broader knowledge of how to stop the spammy calls with no noise.

Final Thoughts

Thanks for following this article to the end! For now, this is all I have to tell you, but I promise to be updating this article frequently with the latest and most relevant information concerning this topic.

If you find this post helpful, don’t forget to share it with others who are facing the same issue!