First, it’s essential to understand that loan apps typically require access to certain parts of your phone’s operating system, such as your contacts, location, and camera.  

This is because loan apps need to verify your identity and assess your creditworthiness to approve your loan application. 

However, the extent of access varies depending on the loan app and its specific requirements. 

Regarding photos, some loan apps may ask for access to your photo gallery or camera to help verify your identity or to assess your income and expenses. 

For example, some loan apps may ask you to take a photo of your ID or a selfie to match it with your application. 

Others may ask you to take photos of your pay stubs or bank statements to verify your income and expenses. However, not all loan apps require access to your photos.

It’s important to note that loan apps are legally required to comply with data privacy laws and protect your personal information.  

This means that loan apps must have a privacy policy that outlines what data they collect, how they use it, and how they protect it.