Do online loan apps access contacts? How to prevent that? The following article will show you how borrow money online without downloading mobile app, don't get access to contacts 100% safe. Read all of the content below to borrow money smartly, protect your personal information!
How to borrow money online without downloading the phone app
Currently, most money-lending apps on phones have access to user contacts to get information. Those who have ever borrowed will know, when applying for a loan, you will be asked to allow access to the directory by the system.
This is a must in the terms of the loan. Because, the lender must access the directory that holds information about the customer who will lend in case of debt default and will contact the relatives you have saved.
However, for those who do not want personal information to be exposed when borrowing, what should be? Here are a few ways to prevent loan apps from accessing contacts you can try.
How to prevent loan apps from accessing contacts on your phone
How to prevent loan apps from accessing contacts for iOS operating system
- Step 1: Go to "Settings" on your iPhone > scroll down to the bottom bar > select the icon of the app you're borrowing.
- Step 2: At the screen displaying the categories that we grant access to the app, click off allowing access to contacts.
How to prevent loan apps from accessing contacts for Android operating system
- Step 1: Go to settings on your phone > select “Privacy” > select “App Permissions” > select “Contacts”.
- Step 2: In the list of contacts that appear, select the app you are borrowing money > click off/disable allow access.
Create virtual phone book
To prevent the loan application from accessing the phone book, you can create your own virtual phone book. Before taking out a loan, you should delete all the real phone numbers of your relatives and friends, then make a list of virtual and strangers phone numbers. However, when using this method, you should note that you should save exactly 2 reference phone numbers at the request of the lender so that the app will call for verification later.
Buy used sim
In addition, you can try to buy a used sim so that the lender does not know your actual information. One thing to note is that you should buy a used sim instead of buying a new one. Because currently, the lending apps require the sim to be used for a long time, and do not accept the new sim card.
Borrow money online website
The way to borrow money online without accessing contacts, without downloading the app that Nganhangnongthon wants to suggest to you is to borrow through the web. In fact, borrowing money through the web is like borrowing money through the lender's app, but borrowing on the web is still safer. You just need to visit a reputable loan website link and then fill in some required information to be able to borrow money without downloading the app right away. This method is very effective for those who both want to borrow money online without meeting, and do not want to download the app, access contacts.
Safe and reputable online loan website 2022
Web Borrowing Money Oi
Tien Oi loan website is under the management of Business Master Co., Ltd. based in Ho Chi Minh City. HCM. Web loan offers short-term loans with a limit of 500k - 10 million VND for a loan. Customers only need to prepare personal information, ID card / CCCD, they can quickly and easily borrow online on the website. Loan period from 1 to 6 months.
| How to apply for a Loan Oi | Loan support on website, mobile app |
| Procedure | ID/CCCD |
| Application processing time | 15 minutes |
| Interest rate | 12 -18.25%/year |
| Support range | Nationwide |
The outstanding advantages of Tien Oi can be mentioned as:
- The loan is absolutely confidential: Do not contact family members and colleagues for appraisal.
- Fast processing speed, disbursed right after signing the contract.
- The process is clear, all costs and interest rates are clearly communicated before you decide to borrow.
- Support many payment methods for customers to easily manipulate.
- Many promotional programs are held to thank customers
- No proof of income, no need to mortgage property.
- You're still supported even if you have bad credit, enabling you to improve your credit score.
Web loan Doctor Dong
Doctor Dong is a financial unit that lends money online in Vietnam, trusted by many people. Doctor Dong's limit is from 500k to 10 million for a loan. With a simple loan form, just need ID card/CCCD you can sit at home and borrow money without going far.
The time to register and complete the loan application is quite fast, only takes about 3 minutes. If you want to get a loan without downloading the phone app, you can get a loan right on Doctor Dong's website completely.
| How to apply for a Loan Oi | Loan support on website, mobile app |
| Procedure | ID/CCCD |
| Application processing time | 3 minutes |
| Interest rate | 12 -20%/year |
| Loan term | 90 days – 12 months |
| Support range | Nationwide |
Advantages of online loans at Doctor Dong website
- Quick profile approval time and fast transfer.
- Simple loan procedure, just need ID card/CCCD.
- Loan terms are clear, transparent and specific.
- Loans are flexible, the lender can support borrowers to extend the repayment period or pay in installments depending on their needs.
Robocash loan website
Robocash is a loan website with super simple procedures, quick loan support for customers who need money at any time. This web loan platform is researched and developed by Robocash Vietnam Company. Lending Web using Fintech technology allows the fastest loan processing at any time, maximum customer support.
In addition, to borrow money at Robocash, you do not need to prove your finances, provide collateral, but loan documents only need a simple ID card / CCCD. Robocash's maximum loan limit is up to 10 million VND.
| Robocash loan application form | Loan support on website, mobile app |
| Procedure | ID/CCCD |
| Interest rate | Up to 18.3%/year |
| Loan term | 6 months |
| Support range | Nationwide |
Advantages of borrowing money through the web Robocash
- Limit the exposure of contacts when borrowing money through the app.
- Get money after 10 minutes of registration and profile approval.
- No guarantor or collateral required.
- The approval rate is as high as 95%.
What does an online loan app to access contacts do?
Why do lenders have to access user directories? What do they do this for? You need to understand, the lender before giving you a large amount of money, without pledging the property, they must know the exact information of the borrower. Because in case, the borrower defaults, they also know the contact information to collect the debt.
In addition, online loans on the app require access to the borrower's phone book for the following purposes:
Get personal information, living address
When the loan app knows the borrower's personal information and living address, they will have a basis to collect debt, even access the location of your current address to collect debt at home.
Remind borrowers to repay loans on time
Loan applications have the feature to remind borrowers to pay on time via text messages, phone calls to the owner, relatives, friends, .... In case if the borrower intentionally fails to repay the loan on time, the loan app will rely on the information in the accessed contacts to call each person to mention when you have finished paying the debt.
Debt collection spam on social networks
Debt collection spam on social networks is one of the things that anyone doesn't like because it will affect their image and name. Understanding that weakness, many loan apps access contacts to spam on personal pages on facebook, zalo, instagram, etc. of yourself and your friends to collect debt, sometimes will use your image to shame and use unpleasant vulgar words.
Borrowing money through a phone app will have many risks of having information and contacts exposed. Therefore, changing the form of a loan via the web will be safer, avoiding unnecessary risks. Hope this article of nganhangnongthon has helped you answer the question borrow money online without downloading mobile app how. Wish everyone borrow money quickly and safely!
Recommended for you
>
Post a Comment
Post a Comment