Can SmartAdvances access my phone contacts and photos

Yes, potentially, depending on how you installed the app and the permissions you granted.

• How it works: Android (and iOS) use a permission system. When you install a loan app, it asks for "Contacts" and "Storage/Media" access.
• Contacts: Allows them to see names, phone numbers, and email addresses of everyone you know.
• Photos/Media: Allows them to upload your gallery to their server.
• The "Pre-2024" Trap: Before 2024, many loan apps abused the "Phone" permission to read contacts without asking again. Google/Apple have since cracked down, but if you have used [SmartAdvances] prior to 2024 and never uninstalled it, they likely still have full access to your contact list due to legacy permissions.
• How to check RIGHT NOW:
• Android: Settings > Apps > [SmartAdvances] > Permissions. If "Contacts" is set to "Allowed" (Not "Ask every time"), turn it OFF.
• iOS: Settings > Privacy & Security > Contacts. If [SmartAdvances] is toggled ON, turn it OFF.
• Conclusion: Assume they have access until you check your settings. If they require access to pay for a loan, uninstall the app immediately.