Man Posts Screenshot of Disturbing Loan App Message
A social media user has sparked widespread discussion after sharing frightening messages his friend received from a loan application, just one day before the repayment deadline. The user, @alukyi on X, posted on 7 June 2026, revealing that his friend had borrowed GHC100 (approximately N12,000) from a mobile loan app.
According to the post, the loan carried a 40% interest rate, with full repayment expected within seven days. On the sixth day, the app sent two messages. The first appeared to be a routine reminder: "Your loan GHC100.00 has been paid. Kindly notice to avoid your money lose, you should repay on the APP. Don't believe and pay money to any private account." The second message, however, took a dramatically different turn, threatening the borrower if payment was not made.
Viral Post Sparks Reactions and Warnings
@alukyi said he had initially dismissed similar stories as exaggerated or fabricated, but seeing it firsthand changed his perspective. He wrote: "At first I thought these messages people were posting from loan apps were fake or made up, until I saw it myself. My friend took 100ghs from an app, 40% interest in 7days. On the 6th day, this was the messages he got from the app. This be who you’re uploading your Ghana card details to. They don’t mind giving you 100ghs for your Ghana card details and selfie because they know what they’ll get from using those details. If you pay the loan back, that’s just an extra for them."
The post went viral, with many users sharing similar experiences. @Krypto_Katalyst commented: "A friend took some and used my number as collateral...you can imagine the number of calls I got." @Pluto_Farmer wrote: "I took 270 dem say make I pay 570. Hmmm NYAME p3." @Undeniably_nyc added: "Some trace back to Nigeria. I believe the owner is from there. On their dodgy website, they claim their headquarters are in Nigeria. If it's not registered with BOG don't try it."
Lawyer Addresses Travel Fear for Loan App Debtors
In a related development, a Nigerian lawyer shared a video addressing the fear of being stopped from travelling abroad due to unpaid loan app debts. He explained what the constitution says concerning the right of citizens to leave the country, offering legal clarity on the issue.
