All this illegal loan apps have a tactics, to shout blackmail and curse, the first few days of your loan deferment they will start with serious harassing and threats, then after weeks it reduces. One even threatened to call my family when I asked him to show him my family contacts to proof he has them (I was scared) but he called two names, this names where people i added as colleagues during registration other than that they didn't have any other that's because I don't have any contacts on the SIM I borrowed loan from the contact they have was what I gave them.. I used to be afraid of them before until I joined a loan counselling platform and I became healed mentally.

back then I collected money from a friend to settle loan app and it affected our relationship till today even though I paid him back although it took a long time. The first thing you will do, for your mental health is stop attending to their calls and messages. Report and block, don't beg and argue, just report and block. That's how you will heal. Trust me this guy's are master's in the game they'll frustrate you with threats that's the limit of their power. If you're the type that we'll pick their calls or reply their messages then you're a gonner.

If you're the type they reached out to your contacts already, then you're of the advantage self. "Who naked no the chook hand for pocket". You choose how and when you will pay them any of your contacts that won't help you to pay should not stress you, so just tell dem to ignore the agents that's all

Lastly, it's better to be embarrassed and get calls than to go seek another loan to upset loan sharks, its a no no pls.

Don't collect loan to gamble, don't collect loan to flex, don't collect loan to pay loan, avoid to collect a short term loan when you are not earning or don't know a means to repay back

I recommend migo, branch to collect your loans. They don't add daily fee if you defer and they don't defame.. God bless you. This one too shall pass. Fear not.

• 11/21/2024

An agent from 9money enter my DM and give you a juicy offer and a long payment plan, only for you to fall for it and collect 150k and pay 195k in 7 days. I found myself panicking and collecting loans from several apps (Tloan, Nicenaira ) to meet up until I was overwhelmed.

So the reason why must of this loan apps don't follow due process to register and confirm customers is because they're illegal. I figured out that they can only defame you if you give them the opportunity to. Although I won't advice this but there is a way to go about this if you a loan and can't meet up to their nasty deadline without any defamation From them.

The long payment plan is scam used to lure people to collect their loan...

This is what I did to avoid them harassing my contacts and me

1. You need two smart phones.

2. First back up your contacts that are saved on your SIM card attached to your bvn and account numbers.. back them up either as document or on Google (make sure it is backed up). This is to avoid loan apps to get access to your information or contacts.

2. Delete all contacts on that SIM(don't worry you have already backed them up, you will use your main phone to do your personal stuff).

3. On your second smart phone, make sure you don't have any personal details that will implicate you Including your pictures or contracts back up and delete everything. The Only thing you will need inside that second phone is your bvn SIM and a dummy Google account that you will use to download this apps if it's on play stores, if it's not then you can download the app.

3. When you download the app either 9money, register with your BVN SIM and put your account number.

During registration, they'll ask you about adding your next of kin details, put fake numbers.

Once you are done with registration, you Will be qualified for a loan.

Also go to the app settings and restrict them from accessing anything on your phone.

4. Collect what you can pay back at your convenience don't be greedy. They can't access your contacts because you will not have them in your SIM or that phone since it's empty.. all your contacts will be on that your main phone..

NOTE: IF YOUR BVN SIM IS CONNECTED TO WHAT'SAPP, YOU WILL GET CALLS AND MESSAGES WITH PREWRITTEN TEXT. DON'T FALL FOR IT JUST KEEP BLOCKING THEM TILL YOU CAN PAY BACK.

DOWNLOAD TRUECALLER APP TO STOP SPAM CALLS, AND DON'T FORGET TO REPORT THEM.

LASTLY. THIS METHOD IS TO PREVENT THEM FROM HARASSING YOU UNTIL YOU PAY BACK.. NOT FOR ANYTHING ELSE.

AVOID LOAN!! IT'LL WILL MESS WITH YOUR MENTAL HEALTH, IT IS DEMONIC AND EVIL

• 11/18/2024

FROM 9MONEY APP

We strongly believe that we have been fair enough to you and your obligations. This is given your inability and incessant excuses towards your payment after loan and advancement had being placed. You have the right to dispute this letter by responding WITH PROOF OF PAYMENT. If you do not dispute this letter within the allocated time we will contact your guarantors and your entire contacts giving your willingness and unintentionally to take what does not belong to you and defrauded Company. Your details will be submitted to our external debt collectors YOUR PUBLIC ENGAGEMENT PREPARED AND BEGIN.

9MONEY

• 10/10/2024

9MONEY LOAN

WE HAVE WARNED YOU BUT NO POSITIVE RESULTS. ANY ACTION TAKEN FROM NOW ON, YOU ARE SOLELY RESPONSIBLE. CONTINUE TO TAKE US FOR GRANTED. KINDLY PAY YOUR LOAN TODAY TO AVOID UNPLEASANT CIRCUMSTANCES...

WE WILL NOT SPARE YOU ANY FURTHER...ACT RESPONSIBLY AND MAKE PAYMENT TODAY.

• 10/10/2024

an agent sent me an account number to pay into and its same account number in the app after making payment I sent evidence to him for 2hours now my loan is not cleared and am still receiving treat messages from them. very stupid organization

• 4/10/2023

I tried paying back my loan this morning on their platform through paystack and they deducted my 42,900 meanwhile my repayment is just 13k. These people are thieves

• 4/8/2023

They are not nice at all, after decieving me by sending me text to apply, downloading your app,wasting time & data they are telling me to apply in a week time.

• 4/8/2023

I apply for loan since last week and they send me disbursed message and the money is not enter into my account, and they are telling me repay am trying to reach you but unfortunately your number is busy

• 4/6/2023

customer care number is off and  mail is invalid

• 4/4/2023

Please to dont waste your data and time on this useless app,after filling all my details it say my account is invalid, account i ha e been using before you create this app useless people

• 4/3/2023

it is so annoying that I payedback my loan for 3 days now through my bank. yet am still seeing the loaned amount still there. which I have payed through the account on the app. and they are still sending me messages of paying back a loan I payed back since 2 days now

• 4/3/2023

This app it's seems like scam,because I downloaded the and request for loan,they don't send it,to my account and I don't see message, but when I just want to make request for loan am seeing 6500 and due date on it.and I didn't see disbursement message.

• 3/23/2023

The most useless set of people. They have irresponsible workers and their app is nothing to write about. They infringe on people's privacy even when your money is not due ... they will send broadcast to your contact. . I will recommend that people should not use them ....VERY USELESS

• 3/16/2023

Scammers. Foolish people. They have nothing to offer than deceiving wit fake amount of money. And u won't be able to reapply even after paying off the first loan. I reapplied immediately I paid off the previous debt 2days before the expiring date. Dey refused to give me bak? Dat I can't access a loan again. Stupid people. Even with high charges

• 3/6/2023

Have never seen this kind app that you can't get otp for more than an hour I really regret downloading it.

• 2/26/2023

This app is a stupid app ,they charge 50% of the amount they credited you in lesa than 7days and did not credit someone the amount they are supposed to credit someone , worsthest app ever

• 2/22/2023

It wasnt made clear the interest ill be paying. You guys didnt let me know that you wont be sending 7,500 but 5250.. Why will i pay 2,250 in just 7 days for a small loan of 7,500.. The loan agreement page refuse clicking and opening. 

• 2/18/2023

I applied and fill all the decuments requested.and jokely i was approved (#3,000) only three thousand naira.what the hell of an app?and at last and the worst it says;request rejected.why???

• 2/17/2023

I applied and fill all the decuments requested.and jokely i was approved (#3,000) only three thousand naira.what the hell of an app?and at last and the worst it says;request rejected.why???

• 2/17/2023

I have paid off my loan of 3000 which was supposed to be due on 11 of April yesterday April 9 since in the morning but up till now is still showing repay ur loan, because it has not been cleared off . 

• 2/10/2023

Rubbish loan app. 35% of of the money you borrowed for service charge only. Sure, it's other way to scam. Don't bother to download this app

• 2/8/2023

This is most useless finance app on play store, google needs to delete it from their server, they are so much fraudulent, either they won't give you any loan but expect you to repay what was not given to you or they won't give you the supposed amount they claim they'll give and still require you to pay what was not given to you. Never mind the numerous good appraisals you see, they are all the same people who are trying to deceive people towards believing that this app is good

• 1/30/2023

Could they be any useless loan app like this one? After I return the 2600 that was sent to me out 4k on the same day ,they aee still sending me a message to make a repayment? Repayment for what I didn't accept the loan or the money sent that was why I returned it to the compan acct via transfer.i sent a prove through email and on WhatsApp an agent acknowledge.today am getting a message to make a payment they are not serious for busuness

• 1/27/2023

app is day light robbery, 1st time I try to get a loan I requested for 13k I was disburse 9k within 7days. 

• 1/20/2023

FAKE APP! After collecting my personal details, and offering to give me more than enough money, it made me fill out the same information three times, then flashed a message too fast to read, starting with "apply in a week!" IF YOU DON'T HAVE ANY MONEY, YOU CANNOT DO BUSINESS!

• 1/6/2023

The App has been misbehaving too much lately. They should look into it and correct the wrong programming in it. Once you click to confirm the given amount, a pop-up shows...saying "please select a valid amount". So what's that? Do we select a figure on our own???

• 1/3/2023