DEBT recovery agents of loan apps in Nigeria have continued to shame defaulting borrowers against the nation’s cyber laws, while the loan app companies charge borrowers high-interest rates.
Read a detailed report on loan apps operation in Nigeria here.
The digital loan apps mislead borrowers by posting lower interest rates on the Google Play Store but borrowers saw their loan tenor increase as the loan apps raised interest rates by more than 50 per cent.
The interest rates can be as high as 75 per cent to 395 per cent per year.
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Investigations by The ICIR show that LCredit, 9credit, LionCash, Nkash, ForNaira, CycleCash, Cashrain, Mikoloan, Supercash, Xcredit, ICoin, PalmCredit and CashLion are some of the loan apps involved in the deception scheme.
Loan apps on the Google Play Store that offer short-term loans are mandated by Google policy rules to give borrowers no fewer than 60 days from the date of issue to repay any loan.

Loan recovery agents have been declaring defaulters dead, calling and circulating defamatory messages to their family and friends.
Here is how the debt recovery agent operate.
A debt collector identified as Tobilola who works for LCredit with first-hand knowledge of their operations told The ICIR that the recovery agents are split into five teams with a team leader assigned to each.
The teams are headed by a team leader who assigns customers to the debt collectors based on the duration of time they have defaulted on their loans.
“We are divided into five groups. Most debt collectors prefer the first to the third team because their focus is on short-term overdue loans, which are easier to retrieve than long-term loans.
“We are assigned 400 customers per week to each debt collector at the call centre, and they don’t care whatever you do to recover overdue loans from customers,” he said.
There is no official number of how many loan firms exist in Nigeria; however, debt collection is a critical part of their operations.
The agents get a weekly bonus of three per cent of the total amount they recover if they meet their weekly target.
The monthly salary of a debt collection agent at LCredit is N50,000, while the top three performing agents for the week receive between N10,000 to N15,000 as an incentive.

He said clients who defaulted on their loans often asked for more time to escape the constant harassment, but they would continue anyway with the debt collector’s eyes on the bonus.
“The team leaders always threaten to sack us if we don’t meet the target, and when they verbally abuse us, we tend to transfer the aggression on the customers using any means possible to recover the company’s money,” he said.
On a public group on Facebook, a customer of a loan app, Victoria Eyo Ekpo revealed she was also a victim of bullying from a loan app agent and vowed not to repay the loan.
She borrowed the sum of N15,000 from Deloan and had defaulted in her repayment plan and the next thing she saw was a circulation of her obituary picture.
“This is what Deloan (app) sent to me. I will never pay. They called my mum and insulted her. May God help us,” she said.
There are no guidelines on the training of loan recovery agents and the methods they can adopt for collection.
Amos Abba is a journalist with the International Center for Investigative Reporting, ICIR, who believes that courageous investigative reporting is the key to social justice and accountability in the society.
I am a victim and still passing through your hell…Those loan apps can make someone to die of heart attack and depression I swear, with the kind of messages they have been sending to me eeh it’s only God that has been my strength…. I will never in my life borrow any money from them again…
Fantastic write-up! i have seen a lot of content but yours is such a great one so much it helped me stop my search online.
Omo na them sabi, everyone know say country hard,but for these loaners, they’re demons. God forbid bad thing. Like this eh, I no dey pay shishii 😒😏.them think say dem dey wise . Rubbish people😂😋 If u are still worried about them or what they will do to u if u are owing them ,na u sabi, that’s to ur own peril. Do not mind whatever messages or threats they send on daily basis. Most of those loaners are fast killers, crooks and real time scammers. Like this eh…. Am owing about 8 of them, but i no dey pay shishi. It’s over 5months now since overdue and none of them have sent messages to my contacts or post my pictures anywhere. They are even tired of calling me😌😏.
Am a victim too, not that am not ready to pay back but av been getting loan from all other loan to pay other without the money been useful, my reputation at stake cos of there threat. Pls I need help.
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Me too am hearing it from them
I had to switch off my line permanently cos I’m tireddd. I usually collect money from okash nd easemoni but one time i rushed my repayment before the due date cos I wanted to restock my shop and then boom they fall my hand I didn’t get anything from both of them
Na wetin make me start to they patronize other apps just for me to get what will be enough for me to go buy goods
Nd ever since then i have been borrowing from different app cos their dates are always short
Nd then after I struggled to repay daily loan 2 weeks ago 77k that I repay within 6days nd i tried reapply they said I would get 87k but i only got 61k in my account nd i had to pay my neighbor that I borrowed 30k from
I began crying nd promised I won’t borrow again
I will start repaying them small small
I know dey won’t want me to die yet cos if i die how will dey get their money
Me too am hearing it from them
I had to switch off my line permanently cos I’m tireddd. I usually collect money from okash nd easemoni but one time i rushed my repayment before the due date cos I wanted to restock my shop and then boom they fall my hand I didn’t get anything from both of them
Na wetin make me start to they patronize other apps just for me to get what will be enough for me to go buy goods
Nd ever since then i have been borrowing from different app cos their dates are always short
Nd then after I struggled to repay daily loan 2 weeks ago 77k that I repay within 6days nd i tried reapply they said I would get 87k but i only got 61k in my account nd i had to pay my neighbor that I borrowed 30k from
I began crying nd promised I won’t borrow again
I will start repaying them small small
I know dey won’t want me to die yet cos if i die how will dey get their money
Please. Help me am also a victim have pleaded with Dem to give me more time to repay but dey refuse,Dy go about sending messages to all my contacts, and the interest rate is too much,I owe more Dan 15 app because I end up borrowing from this app to pay the other app that is how I got into the web of loan default and they will tell you,your repayment is in one month instead you will see seven days, please help us, because right now their interest is reading 500 k where do I get such amount,
I paid for my loan, only to be debited from my account. While trying to get a rectification, an agent has blackmailed me and made me borrow money from other apps. I can’t borrow again.
My Facebook page has been hacked and my account number compromised. He said I should pay another 40k.
I am tired.
What of If I pay this and he asks for another?
This all credit app don’t give out loan they will rather take you to other apps under them (oh money) they are scam i didn’t ask for 22,000 for 7 days i was only checking the due date within a twinkle of an eyes i was credited with 22k to pay 28,000 within 7 days why……… Please and please debit me now i don’t want your money cause how did you expect me to pay that kind of money within 7days interval. How do you expect me pay back or to see that kind of money in 7days..
This all credit app don’t give out loan they will rather take you to other apps under them (oh money) they are scam i didn’t ask for 22,000 for 7 days i was only checking the due date within a twinkle of an eyes i was credited with 22k to pay 28,000 for 7 days why……… Please and please debit me now i don’t want your money cause how did you expect me to pay that kind of money within 7days interval
Am a victim too on my due date messages was send to my contacts claiming I ran away with there money and I took 15k loan and still pay back that same day
M also a victim here i needed money badly i had to borrow n also borrowed another one to pay now it is up to 15 i don’t have money i don’t know what to do they have been calling all my contact i need help
Am also a victim,am a student and I’m having issues in my school and I needed some money. Funny thing is that this loan apps were the ones that contacted me as if they new what was happening. They kept calling and texting promising me low interest rate and at least one month to pay back, only for me to take the loan and their interest rates was very high and only 7days to pay back. Now they’re threatening to kill me, have begged for more time I even asked them if I can pay little by little they refused and they’re sending messages to my contacts. I need help you people should save me from carefinance and flypay pro
Am also a victim I borrowed money from them, cashloan, fairmoney, palmcreit to pay my school fees and sort out other school stuffs. Hoping that when my parent sends the money I will pay them back but becus of the county hardship my parent havent sent the money. The have been calling and treating me in their message pls I need help am no longer concentrating in my studies. The money I borrowed is 100k but the interest is almost 300k how do I start to pay.
Which one is CRIMSON CREDIT or GALAXY CREDIT?
are these ones legal too?
Am also a victim different massage’s and a lot of embarrasment pleas you people should came down even the treat alone can make someone to committ suside
ANYONE THAT BORROWED MONEY AND REFUSE TO PAY BACK , IS GUILTY. YOU WERE NOT FORCED TO BORROW THE LOAN. I READ ALL THE COMMENTS AND IT SHOWS HOW WICKED AND MEAN NIGERIAN ARE. CAN SOMEONE COME TO YOUR COMPANY TO BORROW MONEY AND NOT PAY BACK FOR MONTHS OR YEARS? HOW WILL YOU FEEL.
FOR THE MAN THAT SAID HIS COMPANY CALLED HIM TO ORDER BECAUSE OF THE MESSAGES,YOU DESERVE IT. WHY ON EARTH WILL YOU BORROW MONEY AND NOT PAY BACK. CAN YOU DO SUCH TO ANY BANK? IF NOT WICKEDNESS
I WISH THE GOVERNMENT WILL PUT A POLICY THAT WILL MAKE ANY NIGERIANS THAT BORROW MONEY TO PAY BACK.
BEFORE YOUR CONTACTS ARE CALLED, MOST OF YOU WILL NOT RESPOND TO THESE AGENTS CALLS,SMS OR WHATSAPP. THE NEXT THING THEY RESOLVE TO, IS TO CALL YOUR CONTACT.
DEBT IS DEBT AND IT IS A GRAVE SIN IN ANY RELIGION. YOU PEOPLE SHOULD STOP BEHAVING LIKE BEINGS WHO DO NOT HAVE CONSCIENCE.
NIGERIANS BORROW MONEY FOR STUPID REASONS WITH THE MIND OF NOT PAYING BACK BECAUSE THEY SEE IT AS FREE MONEY.
ANYBODY THAT BORROW FROM ANY LOAN APP OR SHARK WHATEVER YOU CALL IT, SHOULD PAY BACK BVECAUSE IF YOU DON’T, YOU ARE NOT DIFFERENT FROM THE AGENTS WORKING IN THE LOAN SHARKS.
My sister is also a victim she actually lend from them to cater for me and my junior brother as my father is facing financial difficult and where she works thier salary wes reduced due to the country hardship she paid for my waec and also supported our feeding. According to her she saw the advert that says the y lend for 30days to 90 days for two installment but when she collected the loan she was to pay back for seven days to avoid embarrassment she borrowed from another loan app like that until it got to 14 different apps right now the call and threaten her send her text they even called my dad, she was forced to install Truecaller. Chiboi Ucredit, Priceless Jewel, Thonny P, Rofiat Brett Adeniyi Samson those are the names Truecaller brings out and it bring them out as spammer, scam, easybuy scam with so much report. She would surely payback when she has the money. She even message them to give her sometime they still kept on messaging her even right now has I talk to you more messages are coming in and they still trying to lure her to loan more. Please we need help to talk to them to give us time to pay back.
I am also a victim, I don’t know what to do it was my fault lending from them. My family are facing financial issues I have to feed my junior ones, pay for their school fees and my brother waec too. My dad having difficult times sometimes he finds it difficult to sleep and made HBP high. Where I work they pay us monthly and before ending of the month I would have used it up, so the just deduct my salary. Due to that i applied for loan which bi was told that they would give me 91 days or 30 days but after applying you will see 7 days but cuz you don’t have a choice desperately in need of money you collect it and when it’s time pay back I find it difficult and apply for another loan app which the will give you continuously like that different loan apps until it got to 14 now I can’t pay back everything is hard they kept on calling me and my contacts. I even talked to few of the apps to give me time to pay back they did not respond and still calling me with different number. Some by the name Rofiat Brett, Thonny P, Chboi Ucredit, Priceless Jewel, Adeniyi Samson. They even sent me text that I am on the run, I tried locating this people but no where to be found right now as I’m typing here they are still messaging me and I can’t reply them back cause it won’t go. Please I need help to talk to them to give me time to pay back.
Funniest part of it all is that even after u eventually made their payment they would still grant u the offer to borrow it immediately again coz u are left with no other choice 😂😂
Am currently going through the same situation now , they have been threatening me non stop about calling my contacts, i have even made some deposit to their account yet they still went as far as calling my contacts please how do I stop them help because am dieing gradually
Am also a victim help me
I’m going through this shit right now the have told everyone that I’m hiv/aid I’m sad I can’t voice out that why i came here to seek any advice everytime i wake up I’m sad and scared God please help me please i have intention of paying ,why not but the interest grow for the few days i defaulted my naira loan gave me 19,500 to pay 35,000 i defaulted within 4days and the money is45,500 i don’t know what to do because i have their repayment money but it has increased and also bear wallet,9ja cash ,9credit ,we credit, I can’t even message them all ,some scammers would tell the can clear your information and the loan for you run oh unless you find a legit person which is rare 🥺please if you have a solution please dm 09161129427 i need all the help i can get I’m not a criminal 🥺
I also borrowed a loan from some apps like henloan, money tree, plenty cash, life line and the next thing they could do is to start sending me obituary of me being dead
They also called some of my contacts
They are really disgracing and shaming customers
I hope you help us find solution to this
They really need to be caution because none of our contacts where there when we are transacting loan with them
They should pls stop all these
No one wishes to borrow loan and not return it back
Where as most of them has high interest rate and period of 7 days
Pls talk to them
They should have human feeling
Will be glad if you can help us work on them
Thanks in advance
I took a loan for my mom hospital bill and took another one to pay back cos of fear and the due date was just 6days to pay back now am thinking of killing my sef cos I owe more den one loan app u don’t even know wat to do please if u know how dey can’t message or send my picture out to my contacts pls message me on WhatsApp
07059233024🙏😢😢😢😢😢😢😢😢😢
They worst of them all is palmcredit
Crimson credit,cash bus 9ja,fly pay pro and lion cash have been disturbing me with embarrassing calls and trying to impersonate and defame me…and threatening to send messages to all my contacts they are all fraud
…..it doesn’t make any sense….And it’s scam because why do different strange numbers have to call my number does it make any sense,all just because permissions are granted for each of this loan apps for it’s service doesn’t mean they should violate customers privacy,it’s against the cyber law in Nigeria,it’s annoying please the federal government should work hand in hand with the fccpc, and other law enforcement agencies….this loan apps needs to be banned from usage in the google play store
Pls for all of u that feel depressed bcos of these threats, pls don’t. Sometimes we are caught up in a situation in which we deliberately want to pay but situations may prevent us. Pls go to ur settings and disallow these apps from assessing ur contacts. I was once a victim, and trust me, I thought of suicide but thank God for saving me from them. Don’t be intimidated by their threats. They can never reach u. It’s well
Easycash loan app are trying to add to the current situation in the country as some person have gotten to a break point on commiting suicide.
I registered a new SIM, and soon was getting calls from loan apps e.g fairmoney, to repay a loan I didn’t collect. The network SIM didn’t mind to unsynchronized new registered card from the loan system..
The cbn provide adequate central loan facilities than leaving the masses to these menaces.
Hmm! So there are so many victims like me, but why is our government not doing anything to curb this menace?
My employer has warned me 2 times that I may lose my job if I continue to get this embarrassing messages circulated to my contacts. Since then I have been a prisoner of these idiots. I have tried all I could do to be free, to no avail. That is simply because of the short duration for repayment and the exorbitant interest.
Right now I have reached my breaking point. I took a few app loan to cater to an emergency. The time to pay back was too short, so I took more to pay them off . It multiplied in amount and threat. By the time I got the money I targeted to pay them all off, the loan amount was way more than my targeted money. I paid off some and took more to pay the rest. I took bank loan, staff cooperative loan, salary advance, yet I cannot be free. Right now, I don’t have any balance in my salary, and I’m still a slave to these monsters. I don’t know what to do. Right now, I can lose my job anytime. Already, I can no longer cater for my own needs and that of my dependent family. I have lost my composure and confidence. Psychologically, I am no longer myself. I need help please.
I have been victim to these later-day devils for one clear year 😈 until 31st December of this past year when I took a firm decision – I will not owe any idiot in 2023, they should burn the sea if they can. Do their worse. This decision was reached after I did thorough research on their nefarious activities across the globe including America and India. These loan apps don’t have money. What they do is literally, gather your own money over time and give it back to you to pay back within a short time with mad interest rates. That’s why they don’t usually give u high amounts at the beginning. Because they are not registered or traceable, and most importantly because google has been sanctioning them based on feedback on their apps on the play store, they keep changing their names. What’s more, most of the apps you install belong to one particular entity with different names. They have a bunch of jobless idiots behind the desk they call taskforce. Those are the trigger-happy idiots that harass you all the time. They know you don’t have the means to pay them back within a week so they mount pressure on you to download other apps belonging to them and apply for another loan to pay the first one. Robbing Peter to pay Paul. In this case, robbing Peter to pay Peter. 😆. There’s a solution to this nonsense. First of all, they can’t take you to court because what they are doing is illegitimate- criminal. Cyber security, the exchange commission, and federal banks are after their heels always. It’s only a matter of time but until such time, go to setting on your phone, click on permission manager and disable all permissions you earlier granted them when you were taking the money. After that, delete the apps from your phone. They will no longer have access to your contact list or any other detail except the guarantor(s) you used, in my case, my guarantors know whatsup so they’re not bothered by those silly messages. They will keep sending you messages asking you to repay now or face their wrath but the truth is, you blindfolded them already by declining permissions into your phone. You can block them if you want or keep massaging them with sweet words and trust me, after 3 months, even the toughest ones will write you off their book. If you continue paying these lazy idiots, you will die poor. Yes the scheme is helpful but it’s insane and crazy given that if I would agree to borrow your money to pay 50 percent interest within 7 days, wouldn’t I rather wait for the 7 days for my money plus the 50 percent interest without these trouble of blackmail and evil? You can also report them on the play store by flagging the app, while at it, report their activities to the institutions of government concerned. Thank you and good luck. May Allah protect us from evil. Ameen.
Please I need help too. I have been taking loan and repaying on or before my due date. This time around, I had an accident that left me unconscious for 3 days, only to come online and plead immediately to them, showing them evidence of my accident that I should be given a restructuring plan that I will pay within 1 WK.Boom! My picture went viral that I am a prostitute and a thief. Please what should I do? I am about ending my life oooo
Please help I took a loan from a particular app cashbus God have not been able to pay back cos of the interest . They have threaten my life please help
I am currently having this same issue, worse part is that my bank have blocked my account which makes it impossible for me to repay this people until the ban is lifted. I have pleaded with them to give me time and continue to charge the overdue but they have refused instead they charge the overdue and at the same time send the defamatory messages to my contacts. I never imagined I’ll be in this kind of predicament.
Pls help us from dis people
Then there’s automated loan renewal settings, in which you apparently agree to getting another loan after successful repayment. They do not require your permission before sending money to your trad. Bank account not minding whether or not you have the means to pay or even need their money to begin with. Canceling it, requires you do it from the app or send a letter/email to the customer support who may not even respond to your mails.
These loan sharks are callous and wicked, they are the real fraudsters yet the call their customers that, I haved owed them for over one month without defamation, I intend to collect a pound of flesh from them for causing my sister pain, if you want to stop them from defaming you, WhatsApp me for info on 08046302416.ASAP.
Please I took a loan and am yet to payback. They have been threatening me seriously. I need your help 🙏 🙏 🙏. My life and reputation is at stake
The money I collected was for my mum hospital which she latter did last week as. Am writing I don’t have any money wit me and they are disturbing me for the loan tretning me that they will embarrass me the other lady told that she is sorry for the lost but I need to pay the money today am looking for money for burial pls I need help am depressed right now feel like taking my life
Am also a victim just because I have a failed business, please I need help ooh
They are bunch of theives and animal. Especially .aimloan. 5k pay 9k. 15k pay 23k 40k pay 68k. All within 7days theives
Most of this loan firms have a High interest, but let’s be factual no one forced us to take a loan from them; We sometimes call them swindlers; whereby we are the swindlers.
Yes! we the customers are the swindlers! I discovered a group on Facebook early this year who teaches people how to obtain loan fraudulently without Paying back; Now my point is, we want the Govt. to intervene; while we keep committing a crime in disguise.
Regardless of excuses, it is obvious that we have been patient with you till now, your refusal to make repayment has badly affected our business and if we are to take actions against you, we have the right to do so as you have breached all the agreement stated in our business clause.
Therefore, to avoid you facing terrible sanctions from us, you are advised to log into the app and clear your debt on or before 7pm today. Anything outside this will have us blacklisting your BVN account and also running auto-debit on all your bank accounts lastly publishing your details and image on all social platforms.
Do know that every of our actions are in accordance with Federal Competition and Consumer Protection Commission and Nigeria Company and Allied Matters Act that binds our company which is fully stated on the app.
Be warned and do the needful.
Sent On : 2 JUN, 2022 18:35:35
This was a threat msg again frm cashfarm.
Pls government shld scrap them
Iam also a victim..They have been sending threat msgs and to the extent of them saying they will send my picture to my contacts calling me a fraudster.
Government need to do something about them pls…Most especially Cashfarm,Aimloan,wecredit.
This was one of their msgs frm cashfarm this evening
YOU WERE GIVEN MORE THAN ENOUGH GRACE AND TIME TO MAKE YOUR PAYMENT WITH A SMILE ON YOUR FACE AND YOUR DIGNITY ON YOUR SHOULDERS, BUT YOU HAVE WITHELD OUR MONEY CAUSING US TO LOOSE BUSINESS TODAY. NOW YOU WILL HAVE TO PAY WITH AGONY AND TEARS BECAUSE WE WONT SPARE YOU. WE WOULD LEAVE YOU DEFENSELESS AGAINST CYBER WOLVES BECAUSE WE WOULD FORWARD YOUR BVN, CARD DETAILS AND NIN TO EACH AND EVERY PLATFORM NOT JUST YOUR WHATSAPP CONTACTS.
WE SWEAR IT
DO THE NEEDFUL
Sent On : 2 JUN, 2022 13:14:18
Please Government should stop all these loan sharks frm stealing frm people.
Join #TheICIRSpace on Twitter as we discuss issues surrounding cases of Nigerian Fintech companies shaming and threatening customers for late payment of loans.
Click here to set a reminder: https://twitter.com/i/spaces/1yNGaYvlZPvGj
Date: 27th May, 2022.
Time: 7:00PM
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They have send a message to my contact, I didn’t even collect any loan from any company
This is the kind of msg u receive 4m their fast money agent on ur due date Pay us our money this night or die❌. WANTED WANTED WANTED!! CRIMINAL *IF U RECEIVE UR PICTURE N BVN IMMEDIATELY HERE BEFORE THE NEXT FEW MINUTES DOT, KNOW DAT YOUR TURN FOR ROBOT WEEP ACTION HAS STARTED IMMEDIATELY❌(WE WARNED YOU SINCE). ENJOY THE EMBARASSMENT. EASYMONI(EASE CASH) ANTI FRAUDULENT TEAM.*Since you have decided to keep mute and refused to pay your debt THE STIPULATED TIME GIVEN TO YOU TODAY.Your intention to DEFRAUD!
this people are swindlers please the government should do something
Useless set of people, that is how they behave.Government should please help us
That’s good
THIS IS TO NOTIFY YOU THAT YOUR LOAN IS DUE BY 8am ; WE ARE GIVING YOU TILL 12PM TODAY THE 13th OF MARCH 2022, TO MAKE THE FULL PAYMENT TO US AT NCASH: THROUGH THE STERLING/WEMA BANK ON YOUR APP, OR ELSE WE WILL POUR THE FULL WRATH OF THE LAW UPON YOU. WE PROMISE TO TAKE THIS CASE UP WITH YOU IF WE DONT GET THAT PAYMENT BY THE STATED TIME ABOVE.YOU HAVE PUSHED US TO THE WALL BY DECEIVING OUR AGENTS!! IF YOU DONT WANT TO SUFFER AND SPEND THE REST OF YOUR LIFE IN POVERTY OR IF YOU DONT WANT CALAMITIES TO BEFALL ON YOU,YOUR BUSINESS,CHILDREN OR JOB OVERNIGHT, OR THE CURSES THAT FOLLOW DEBTORS IN BIBLE AND IN QURAN WILL NEVER DEPART FROM YOU , YOU BETTER REIMBURSE YOUR LOAN ON BEFORE 12PM. YOU HAVE PROVEN TO LACK INTEGRITY AND NOT TO BE TRUSTED WITH OUR MONEY, AND WE WILL MAKE SURE TO DEAL WITH YOU ACCORDINGLY. PLEASE DONT PAY BECAUSE WE REALLY WANT TO MAKE A SCAPE GOAT OUT OF YOU TO THE GENERAL PUBLIC, THIS WE PROMISE YOU SWEARING BY THE MOTHER OF THE LAW WHO SEES NO PREFERANCE AND ALWAYS JUSTICE MINDED..NCASH