8 Ways to Deal With Loan Sharks Without Losing Your Peace of Mind In Nigeria

Loan App Don Dey Pressure You? Read These 8 Things Weh You Gats Know Before You Panic

The rise of digital loan apps has made borrowing money easier than ever. However, many people have found themselves trapped by loan sharks who use harassment, intimidation, and threats to recover debts. Some individuals have sold their properties to repay loans, while others have suffered severe emotional distress because of the pressure from loan apps.

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In this article, Elizabethblog shares practical steps you can take to protect your peace of mind while handling loan repayment responsibly.

1. Don’t Feel Scared When It Is Time to Pay Your Loan

Why are you feeling scared to pay your loan back enh?? If you have the money, pay your loan and move on. Don’t allow any loan app to make you feel pressured or live in fear.

2. Don’t Feel Threatened by Them

If any loan shark is threatening that they would post your obituary photo, let them do it. Also, make sure you let them know that you won’t pay their loan back under intimidation. If they publish your obituary photo, harass your next of kin, or contact people in your phonebook, take screenshots of the messages and obituary photos and report them through the Federal Competition and Consumer Protection Commission (FCCPC) complaint portal.

3. Don’t Sell Your Properties Oh to Pay Your Loan

In this 2026, You still dey sell your things just to pay loan sharks??? You funny oh. Instead of you to relax keep your mind at rest dont you know if you keep selling your things to pay loan apps, you would never get yourself back mentally and financially. Abeg take am easy.

4. Don’t Borrow Loan to Pay Loan

Haba na, how you go dey borrow loan to pay loan? There is this proverb that says, “The more you borrow, the more your problem increase.” Dont let village people use you oh so you wont blame them later. Dont say I didnt tell you.

5. Don’t Pick Their Calls If They Are Calling Too Much

If a loan app keeps calling more than 50 times, download Truecaller and block unnecessary calls. No let loan app give you high blood pressure oh, country is too hot for that oh. Take good care of yourself.

6. If They Insult You, Insult Them Back

This one dem no dey warn person. If you like be doing smeh smeh with them na you sabi.

7. If Dem Say Dem Go Come Your House, Let Them Come

Don’t let any loan app threaten you by saying they would arrest you in your house. Most of them don’t even have the power to do such… even some of dem no get house na just torch light phone dem get dey disturb person.

8. If Dem Use Ogun Swear for You… You Self Use Obatala Swear for Them

In Nigeria, to live long, no let anybody pressure you oh. If dem curse you self curse them back abi na today dem dey do am ni.

Conclusion

No matter the situation, always remember to take care of yourself first. Make sure you chop too e neccessary make you no go kpai before your time.

What Should You Do If a Loan App Harasses You?

• Keep screenshots of chats, threats, and messages.
• Save call logs showing repeated calls.
• Avoid deleting any evidence.
• Report harassment to the FCCPC if appropriate.
• Inform trusted family members about the situation.
• Continue working toward settling genuine debts when you are financially able.