Loan Apps That Call Your Phonebook Contact List [2021]


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.

Categories: Loan Apps

25 replies

  1. Hello ghost, a loan app called 9credit sent a message to my contacts that i defaulted in my loan payment, meanwhile their repayment period is too short,it’s embarrassing please help,i am on the verge of killing myself because of the constant anxiety and fear i feel

  2. Report to the data commissioner. Go to the communications center waiyaki way they’ll advise you

  3. I need your help too because am facing the same challenge with lcredit. They have been calling and texting my contacts

  4. Hi ghost please help me coopesa have been contacting my contact list

  5. Hello ghost I would like your help please.

  6. Hello I took aloan with lion cash they are soo inhuman imgn 3 days to due date they have stared harassing me with harsh messages and threating to call my contact list.

  7. Hello, soko loan has frustrated me, I have been getting loan from them for 2 yes now. Just I couldn’t pay on due day because my son had surgery. They are sending messages to my contacts.

  8. I am being harassed by LIONCASH APP. I took I loan of 6500 14 days ago. This loan I was to pay after 21 days but instead they had reduced my days to 14 days. After reducing my days to 14 days, I was supposed to clear a day before yesterday which couldn’t because one I had lost my job like 4 days ago and the money I had I used it to pay for my rent. when LIONCASH APP called me, I tried explaining things to them but they couldn’t listen to me they started telling me that they will deal with me very well if I fail to pay their loan.. They went ahead to start calling my contacts including my inlaws which I wasn’t happy with that at all. They continued threatening me and sending harsh messages to me. Considering what has been going on in our country, I really got scared I am even scared of everything I have been paying my loan diligently and without falling and on time but just because I failed to clear this one out on time, my life is being threatened by LIONCASH App. >>LIONCASH APP IS TRYING TO VIOLATE MY PRIVACY.. Calling entire family telling them I saved them as referee whole contacts?? Someone help I’m tired . Below is their sample of their threatening text messages 👇👇

    (Your refusal to answer calls from lion cash today has been NOTED & Recorded. Lion CASH is thereby contacting your CONTACT Referees and dispatching harsh messages incase no payment is received by 11:20am,we will Reach out to more not excluding collegues ,friends and extended family when you allowed us ACCESS your CONTACTS during loan Application
    Regards Lion Cash) thats their texts.. I’m fed up.

  9. I toook a loan with zash loan app and they send messages to my mother inlwaw who is not my refereee.very annoiying

  10. 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

    • 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:
      How do i handle this?

    • 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

    • Hi ghost, i have a similar issue with afrikaloan in kenya. Please assist

    • 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.

    • I toook a loan with zash loan app and they send messages to my mother inlwaw who is not my refereee.very annoiying

    • It happened to me, they violated my rights my sending and calling my contacts

    • 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?

    • Please Ghost help me..this zash loan app is going to an extend
      Imgn contacting all my contact list claiming I wrote them as my referee and it’s not true

    • Hi ghost I would like your help

    • Hello ghost, please assist me

    • Hi ghost, I took a loan from zash loan. It was four days due to the deadline and they started harassments and sending threatening messages and endeless calls. They later sent texts messages to a portion of my contact list of which some have threatened to sue them.after which they told them if I fail to repay “tutachukua hatua”

Leave a Reply

%d bloggers like this: