there are laws regulating loan/interest rates in Nigeria, let the loan apps follow the laws and regulation. According to the law, no lender can prosecute any defaulter until after 1 year of owing, according to the law and regulation in Nigeria, interest rate is maximum of 48% per annum which is 4% monthly. wicked lenders and their agents loan their money out to receive interest as high as 50% weekly /monthly plus capital. That is unspeakable evil of man to another man and if you cannot see it then it is because you yourself are part of this grave wickedness to humanity, they all know their business is wicked that is why they are hiding from CBN and others regulators