Digital loan apps are trending now in this part of the world due to economic recession; people are looking for ways to get money and pay later. Digital loan apps have become a normal part of life in Nigeria. For many people, these apps provide quick relief during emergencies. However, in the last few years, some of these lenders have taken things too far, calling repeatedly, sending threats, or even reaching out to people on your contact list. And here is the important part: a lot of this is illegal.
Your Rights Under Nigerian Law When You Use Digital Loan Apps
Two key laws protect you:
- The Federal Competition and Consumer Protection Act (FCCPA)
- The Nigeria Data Protection Act (NDPA) 2023
Under these laws, a digital lender is not allowed to:
- Threaten or harass you
- Send abusive or defamatory messages
- Contact your family, friends, or workplace
- Access or misuse your phone contacts
- Shame you publicly or share your private information
These actions violate your consumer rights and your data privacy.
When Digital Loan Apps Have Gone Too Far
A lender has crossed the legal line when they:
- Call you with threats or insults
- Share your picture or details with others
- Message your contacts
- Use fear or intimidation to force repayment
Taking a loan doesn’t mean giving up your dignity. It definitely doesn’t mean giving up your privacy.
How to Protect Yourself
If a loan app is harassing you, you are not alone, and you are not helpless. You can report the platform to:
- The Federal Competition and Consumer Protection Commission (FCCPC)
- The Nigeria Data Protection Commission (NDPC)
Share whatever evidence you have: messages, call logs, screenshots. Both agencies have taken strong action against offending apps in the past.
Final Word
Debt is stressful, but harassment should never be part of the process. Nigerian law is very clear: your rights matter. If any lender crosses the line, report them. The regulators are there to protect you.
