Can FigLoans access my phone contacts and photos?

No—because FigLoans has no mobile app.

This is the single most important safety feature of FigLoans compared to predatory loan apps. You cannot download "FigLoans" from Google Play or the Apple App Store because no such app exists. All applications are completed through the website at www.figloans.com .

How Predatory Loan Apps Access Your Data:

When you download a shady loan app and grant permissions, here is what they can do:

How FigLoans Actually Collects Information:

Because FigLoans is a website-based lender, they cannot scrape your phone. However, they do collect extensive information through their application form :

• Your name, address, phone number, email
• Your social security number
• Your bank account login credentials (via a third-party provider)
• A selfie and photo of your government ID
• Biometric data derived from your ID and selfie
• Your employment and income information
• References (names and phone numbers of people you know)

The "Prior to 2024" Warning:

You are absolutely correct—before 2024, Google Play Store policies were significantly looser. Many predatory apps tricked users into granting "Storage" or "Phone" permissions, then scraped entire contact lists. If you used any loan app prior to 2024, assume your contacts were harvested and take action: delete the app, change passwords, warn your contacts.

What You Should Do NOW:

1. Search your phone for any "loan" or "cash advance" apps
2. Go to Settings > Apps > [App Name] > Permissions
3. If you see Contacts, Photos, or Storage enabled, REVOKE IMMEDIATELY
4. Delete the app permanently
5. For FigLoans specifically—you are safe because they have no app. Just use their website.

Conclusion: FigLoans cannot access your phone contacts or photos because they do not have a mobile app. But they will ask you to provide reference names and numbers voluntarily on their website application .