If you’ve borrowed money from a Nigerian loan app, especially one that gives just 7 days to repay, you’ve likely received disturbing threats. These apps operate more like digital loan sharks than financial services.
But you need to hear this loud and clear:
They’re not as powerful as they want you to believe.
In this guide, we’ll:
- List common 7-day loan apps in Nigeria
- Show real examples of their harassment messages
- Explain what they can legally do—and what they absolutely can’t
- Help you fight back and protect your mental health
⚠️ What Are 7-Day Loan Apps?
These are mobile lending apps that give short-term loans (usually ₦5,000–₦50,000) and expect full repayment in 7 days. They include hidden fees, daily interest of up to 5%, and use intimidation when you default.
📱 List of Common 7-Day Loan Apps in Nigeria (2025)
| App Name | Harassment Behavior |
|---|---|
| LCredit | Messages contacts, calls from fake “EFCC” |
| OKash | Sends defamation via WhatsApp & SMS |
| SokoLoan | Calls borrowers’ bosses and church members |
| Cash Wallet | Fake legal threats to family |
| NairaPlus | SMS blasts with caller shaming |
| 9Credit | Phone hijacking and nonstop spam |
| EaseCash | Threats of arrest, even to your wife |
| BorrowNow | Sends fake police documents |
| GoCash | Public “wanted” poster messages |
| Cash Mall | Contact messaging and job threats |
📩 Examples of Loan App Harassment Messages
“📢 PUBLIC NOTICE:
The below-named person is a fraudster and has refused to repay their loan. Kindly avoid doing business with him.
NAME: Adetayo Oluwaseun
AMOUNT OWED: ₦12,000
You’ve been warned!”
“You are being watched by the EFCC. Legal action is underway and we will begin arrest tomorrow.
PAY NOW OR BE JAILED.”
“Your husband has refused to pay his debt. You will face public disgrace if he does not repay us within 24 hours.”
“Attention: The management of SokoLoan will report your behavior to your employer. You are a criminal by law.”
These are illegal, emotionally abusive, and done to force repayment through shame.
✅ What They CAN and CANNOT Do
Here’s the truth:
| ❌ CANNOT DO | ✅ CAN DO |
|---|---|
| Arrest you | Call you repeatedly (but you can block them) |
| Take you to court (in 7 days? No chance) | Harass you illegally (which you can report) |
| Contact EFCC or Police | Access your contacts if permissions were granted |
| Contact your employer officially | Defame you—but you can counter it with a disclaimer |
| Jail you | Scare you (if you let them) |
Want to send your own message before they do?
👉 Craft a Disclaimer to Send to Your Contacts
🔐 What to Do If You’re Being Harassed
Here’s your survival and protection plan:
1. Know It’s All Fear Tactics
Their goal is fear. Once you stop being afraid, you’ve broken their power.
👉 The Emotional Toll of Loan App Harassment—And How to Heal
2. Stop Paying If You’re Trapped in a Cycle
If you’ve paid more than you borrowed and they’re still harassing you, it’s time to say “no more.”
👉 Why You’ll Never Finish Paying Off Loan Apps
3. Block, Block, Block
- Install Truecaller and block all spam numbers
- Block them on WhatsApp
- Report them in Play Store reviews
- Don’t read any defamation messages
4. Protect Your Contacts
Even if they have your contacts, you can control the narrative:
👉 How to Confuse Loan Apps Using Contact-Swapping Tricks (Upcoming post)
👉 How to Craft a Disclaimer Before They Message Your Friends
5. Report Them to Authorities
You can take action:
- FCCPC Complaint Portal: https://fccpc.gov.ng
- NITDA (for data abuse): https://nitda.gov.ng
- Leave a 1-star review on Play Store with full complaint
✅ What Actually Works (Best Practices)
- Never take loans from apps with <30 day tenors
- Use only CBN-licensed digital banks like FairMoney, Branch, or Carbon
- Educate others—share this post or speak up
- Don’t let shame keep you silent
💬 Real Stories from Nigerians Like You
“I was getting 15 calls per hour. My boss got a message from LCredit saying I was a thief. I finally stopped paying. I told my team the truth and blocked everything. I’m still standing.” – Chinedu, Lagos
“OKash sent a flyer with my face to my husband’s church group. I cried for two days. Then I found a Facebook group for victims. That’s when I knew—I was not alone.” – Peace, Port Harcourt
🚫 Final Take: Don’t Let Shame Silence You
If you’re struggling with 7-day loan app harassment, remember:
- You’re not a criminal
- You don’t owe them your mental health
- You can block, report, and move on
They’re not after justice. They’re after your peace. Don’t give it to them.