Mobile credit is the new ‘cash cow’ that is attracting a majority of investors owing to its lucrative high return on investments through short-term loans disbursed with hefty interest rates.
Despite their ‘exploitative’ business model being in the public domain, most Kenyans find themselves drawn to their services, not by choice but rather necessity due to the ever-worsening state of the economy dotted with inflation, unemployment and redundancy crises.
Consequently, the majority of borrowers are unable to repay the loans upon due dates and as a result they are forced to endure numerous harassment techniques from lenders in a bid to recover their loans.
Some opt for bombarding defaulters with endless calls and messages, threats of CRB listing and demand letters via email while others go ahead and make calls to contacts available in the users phone book.
While this might seem like an extreme method of invasion of privacy, it is actually within their mandate to do so since it is hidden somewhere in-between the extensive texts that make up the Terms and Conditions which NO-ONE bothers to read anyway!
To save you the hustle of identifying the loan apps that might cause you such embarrassment, we have listed a few culprits below.
1. Okash
Okash is a loan app offered by OneSpot Technology Ltd that offers loans ranging from Ksh 2500 – Ksh 50,000 at 14 and 21 day repayment durations.
A scroll through their reviews reveal some of the discomfort some of its users have had to endure after using their service.

Some even facing embarassment of due loans that were non-existent.

2. Opesa
Opesa is a loan app offered by TK Ltd that offers loans ranging from Ksh 2,000 – Ksh 10,000 at 14 day repayment period.
Some claims are that the harrassment begins on day 1 of loan default with numerous calls to borrowers and contact referees.

The issue of calling one’s contacts is still a reality.

3. Bayes
Bayes is a loan app offered by Bi Capital Ltd that offers loans ranging from Ksh 800 – Ksh 30,000 at repayment periods of 14 and 30 days.
Bayes do not hide the fact that they indeed call the contact provided during registration BUT only when the borrower is not co-operative during repayment.

4. LionCash
LionCash is a loan app offered by LionCash Kenya that offers loans ranging from Ksh 500 – Ksh 50,000 for 15 days.
LionCash also admits to calling only contacts that have been authorized by the borrower if the later is not responsive during repayment.

5. Zash loan ( Kopa Kash )
Zash loan is a loan app offered by Kopa Kash that offers loans ranging from Ksh 500 – Ksh 50,000 for 7-14 days.

6. iPesa
IPesa loan app is offered by XCredit. iPesa loans range from Ksh2,000 to Ksh10,000.
Below are some screenshots of what users had to say regarding Ipesa calling contacts.


7. Kashway
Kashway is a loan app by Wakanda credit that offers loans amounts of Ksh500 to Ksh50,000
Below as some of the users posting negative reviews on the app regarding contacting phone-book lists.

I toook a loan with zash loan app and they send messages to my mother inlwaw who is not my refereee.very annoiying
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Your right to privacy is your constitutional right which supercedes any other law, so get in touch with me if you feel your constitutional right to privacy was violated by using any loan app, just reply to this
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okash is violating my constitutional right. i have an overdue loan that i was supposed to pay back on 4th jan 2021 but i couldn’t make payment because i had a medical emergency and explained to them asking for an extension and time to pay not minding the ridiculous rollover fees. i asked for grace to pay this week given that is the first time i am defaulting. they refused and they are threatening to call and sms all my contacts to shame me.
Do they have such right to voilate my privacy like that?
Here is a message they sent to me today:
Find below the SMS the company will send to all your contacts:
A CHRONIC DEBTOR WITH NAME: ##### PHONE NO: ##### IS ON THE RUN WITH COMPANY MONEY AND IS WANTED. THE PUBLIC IS ADVISED TO DISTANCE FROM HIM AS HE HAS PROVEN TO BE DUBIOUS. UNTIL HE PAYS THAT MONEY, HE WILL BE ARRESTED SOON. OKASH.
How do i handle this?
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How can I restrict my contacts to those online loans. I already paid the amount I’ve received and the interest as well but they still searching my contacts. I hope I can get a positive response with this matter. Thank you
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Hi ghost, i have a similar issue with afrikaloan in kenya. Please assist
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Does this work? I have one which the due date is tomorrow. They have been calling me frantically saying that they will contact my people yet i have not defaulted.
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I toook a loan with zash loan app and they send messages to my mother inlwaw who is not my refereee.very annoiying
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It happened to me, they violated my rights my sending and calling my contacts
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Hi, I have borrowed from a loan app that has decided to embarrass me by calling and texting all my contacts, how can you assist?
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