How to prevent loan applications from calling your contacts

It might be aggravating to be hounded and besieged with automated phone calls from various loan providers to your contact. Some firms may phone you repeatedly, often at strange hours of the day and night, to try to pressure you into finishing their application process.

Now that you have the loan and it is time to pay it back, if you are unable to do so due to unforeseen circumstances, the loan company will begin sending messages and calling your contacts, both family and friends, as well as sending messages to your WhatsApp list, which is against Google Play Store rules and regulations. Fortunately, there are a few measures you can take whether you have an iPhone or an Android device.

1. Navigate to the Google Play Store.
The initial step To prevent loan app harassment, go to the Google Play store and download the App Lock app. It’s a free program that allows you to establish passcodes and disable phone functionalities. Then, in App Lock, create a new app lock. Look for a loan in that lock. Go through all of the choices until you reach the Loan Blocking tab. If there is no such choice for App Lock, then select any of the lending applications (for example, LendUp, Aimloan, Okash, and so on). Once in Loan Blocking, choose Block or just Uninstall.

2. Choose My Apps & Games
Android has a Manage programs functionality that allows you to control which programs have access to your data. To get there, visit Settings and then select Apps. Scroll down until you find an Apps & Notifications item and touch it. Then click the Manage App Notifications button. This will bring you to a list of all of your installed apps (albeit not all of them will have notification settings). To prevent spam SMS texts, switch off Show notifications in each application where they appear.

3. Apps having usage access should be chosen.
Go to Settings > General > Apps With Usage Access on Android and iPhone. Go to Settings > Privacy > App Notifications on Windows devices. From there, you can choose any app on your smartphone that’s causing you problems and block its use access—or simply use Smartphone Manager to remove it totally if you can’t take any more notifications. When you disable an app’s use access, it stops receiving alerts about everything that happens on your phone, whether you’re using a specific service or not.

4. Locate the Loan app you wish to disable.
To begin, go to your iPhone’s settings menu and pick privacy. Locate and pick contacts from the menu that opens. You should see a list of all contacts you’ve saved on your smartphone, together with information about who they are and which phone numbers are associated with them. If you can’t locate it right away, scroll down until you find an option named contacts, which should be above the one called calendars.

5. Choose the Block app.
An app that keeps calling you after you refuse might be frustrating, especially if it’s from a firm you don’t want to hear from. To disable these unwanted calls and texts on Android, go to Settings, then Apps & Notifications. Next, choose App to infuse Block forever or App to infuse Block on this device only.

When you start getting spammy calls, it’s natural to want to block them completely. However, banning a phone number will usually mark it as spam and prevent reputable lenders from contacting you. That is why we recommend selecting Block on this device only—this stops spammers from contacting you but permits prior calls (such as debt collectors) to contact you again.