Loan apps in Ghana use tech ads, issue aggressive debt-collection threats
Joy Online's investigation found that digital lending applications downloaded from sponsored advertisements on YouTube and Facebook issued threatening messages to borrowers, including references to curses, death, and harassment of family members, within days of download and before repayment deadlines.
Investigation exposes predatory loan apps deployed via social media that issue aggressive debt-collection threats within days of download, targeting vulnerable Ghanaians with psychological coercion.
3 July 2026 · Joy Online →