Harassment & blackmail

Illegal instant-loan apps

A scam that is spreading in Pakistan. See a real example, learn the red flags and exactly what to do — and how to report it if you have already been affected.

What the message looks like

A real example

App ads on social mediaGet Rs 20,000 in 5 minutes! No documents, just CNIC. Allow contacts for fast approval.

How it works

Huge hidden charges and short deadlines, then threats and humiliating messages to everyone in your contacts.

Check a suspicious message

Red flags

Wants contacts, gallery or SMS access
Not a licensed bank or lender
Repayment period of a few days

What to do

Borrow only from licensed institutions
Revoke permissions and uninstall
Harassed? Save evidence and report to NCCIA

Share on WhatsApp

FAQ

Questions people ask

Is the “Illegal instant-loan apps” message real?

Treat it as a scam. No real bank, wallet, government programme or company will ever ask for your OTP, PIN or password, or charge a fee to release a prize or aid. If in doubt, contact the organisation yourself on its official number.

Where do I report this scam in Pakistan?

Report cybercrime to the National Cyber Crime Investigation Agency (NCCIA) on helpline 1799. Report the number to PTA, and if money was lost call your bank or wallet’s official helpline immediately so they can try to block the transfer.

I already shared a code or sent money — what now?

Call your bank or wallet at once to block the account, change your passwords and PIN, keep screenshots and transaction IDs, and file a complaint with NCCIA (1799). The faster you act, the better the chance of stopping the money.

Related scams

Also watch out for

Harassment & blackmail Trending

Already affected?

Report it right away

Report cybercrime to the official agency, NCCIA. Our step-by-step guide shows what evidence to keep and how to file.

1799NCCIA cybercrime helpline How to report