Does icredit Loan App Call Contacts or Send Messages to Contact List?


Icredit is different from Lcredit which seems to have a tough and unruly way of getting back loan from defaulters. I personally had some experience using icredit loan app which I am going to share to everyone who want to get a loan from icredit or people who already have pending loan which haven’t gotten to due date yet. 

Not only that, I also have people on Facebook groups concerning loan apps who have used icredit and some of their feedbacks was added to this post so that everyone of us can be informed concerning icredit loan app and calling of contacts. 

Check this for example: Good evening house. Pls I need ur help, my brother borrowed money from icredit and he is unable to pay them.They have called my mum because she used her as guarantor and they have also send text message to her that her son is owning them.

They said if we did not pay they will post it on social media and at the end they will come and arrest my mum. Because of this now my mum is very sick no money to buy drug talkless of paying this icredit.Pls sir’s and ma’s in the name of God what can we do? You only need to find ways of paying them no matter how little and do not borrow again from these loan apps. 


icredit is also one of the loan app that offer quick disbursement of loan without collateral but and with phone number. Although I opt out of their services but I have people using icredit both on Facebook, Twitter, Instagram 

icredit not Lcredit is on Google play store available for downloads and processing of loans for people who still need loan from loan app. Icredit is still giving out loan to people who needs it but with a short duration of 7 to 14days with so many reviews of people using the app but many loan seekers won’t check this or read the reviews to know at least few things about the loan app.

With thousand of downloads of this icredit app, I still have few things to say about icredit especially in the area of calling contacts and sending messages to contact list Incase of default in payment.icredit will call your contacts if you fail in making payment at the agreed time or loan due date.

Will icredit loan app call my contacts? 

Yes, icredit loan app will call contacts and also send messages to your contact list as well as Whatsapp list. If you have an active loan with icredit, it will be okay for you to pay on time or else they will start calling your contacts telling them you are on the run with their money which is shameful. I believe they see calling of contacts as a way to recover their loan from defaulters who refuse to pay. My

Does icredit defame? There are was loan app defame but the common one is by calling of contacts, sending messages to contact list, tagging your pics on social media and many more which icredit also do. It means icredit defame by calling your contact list and sending messages to your contacts as well. 

Do icredit Loan app call contacts on due date? I have received many reports of loan app calling contacts on due date or just few hours after loan due date. For icredit, if you have an active loan with them or you just wanting to seek an instant loan with them then do not wait till last day because your contacts can be called even few hours after die date.

Do icredit send messages to contact list? Yes, if you default in payment on icredit loan app or if you are late in payment, icredit loan will send messages to your contacts. Not only that, they also send messages to your Whatsapp contacts for defaulting in payment or not wanting to pay back your loan. 

Can icredit block my bvn? Maybe you don’t know that that no loan app can block your BVN. Even if you default in making payment on icredit app, you will get messages telling your that your bvn will be blocked so you can’t have access to other loan services. It’s not true icredit app can’t block your bvn but can report you to credit bureau which tampers with your credibility on loan seeking.


Can icredit app block bank account? Someone said she got a message that icredit said to her that they will block her bank account if she refuse to pay back the loan she collected. And I said to her that no loan app can block your bank account not even icredit loan app. 

If you are late in making payments or you default in making payment on due date with icredit app, you will also get messages telling that your account will be blocked so you can’t have access to your bank account. icredit can only say that but they can’t block your bank account because icredit is not CBN that can freeze, block or flag your account but just a loan app.

Can icredit loan deduct money from your account? Maybe you don’t know that all the loan app can deduct money from your account then you should know that today. Icredit can deduct money from your bank account only on the condition that you haven’t change your ATM card password, pin or code because you already grant them permission to do so during registration for your of your first loan. They have your information on their system database which means it can be used later or anytime.

Is icredit Legit? Out of the first recommended and legit loan app like carbon, Branch, Fairmoney, quickcredit and umba then every other loan app aren’t legit. I can say icredit because it’s one of the loan app that offer 7 to 14 days loan period which is not of standard, they call your contacts whom you never used as guarantors, poor customer care and no license of registration with no physical office where complain can be sorted out. 

Lastly, I will recommend you pay back the loan your borrowed from icredit if you still have an active loan or icredit apps defame you through contacts calling and sending of messages as well as high interest rates. But if you don’t want to be in trouble of this loan app calling your contacts, then go for low amount you can handle or pay back or better still try as much as possible not to borrow from loan app again but through your bank. Thanks for reading.


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