A loan app, Delinquent Loans, has sparked controversy after sharing photos of 87 debtors online in a bold attempt to recover unpaid loans.

The incident came to light through a series of TikTok videos posted by the app.

Across three separate videos, the platform uploaded pictures of the debtors, each captioned, “Please settle your loans,” as a public reminder to repay their debts.

The videos, which began trending on Saturday, drew widespread attention and mixed reactions from social media users.

A user, King, who identifies as #KingSuleiman27 on X (formerly Twitter), commented, “Has anyone seen the video posted by a loan app featuring pictures of 87 debtors owing them? You better check it out to make sure your picture isn’t among them ooo!”

Prince Olugbade, who tweets as #latmos997, wrote, “As they don post their pictures, make them go collect the money from the general public wey view am, or post am for YouTube use the views settle the debt.”

FaVōuR™, who identifies as fhavourabia, argued, “Actually, if we have a functioning government, these people should be sued for defamation.”

Agbalaka, who identifies as #CroBender, noted, “Taking money from shylocks comes with regrettable consequences.”

Other users highlighted the consequences of defaulting on loans.

Smiles Ebony, who tweets as #smileebony, explained, “There’s something all these people don’t understand. After you default on any loan, you will be reported to the credit bureau, and this will affect anyone.”

Emma, who identifies as #Emmabest, raised concerns, stating, “Most of these persons are not aware of this loan. Suddenly, they receive a call asking them to pay back the money they borrowed.”

The loan app’s public shaming strategy has sparked a debate about privacy, ethics, and the legality of such practices. While some support the need for debt recovery, others criticise the method as an infringement on individual rights.