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How to update or delete a whitelist
Sometimes, a borrower who once qualified for a special loan offer no longer meets the criteria. Other times, their details may have changed and need to be updated to maintain access.
If whitelist records are not maintained properly, lenders risk offering the wrong terms to the wrong customers or blocking eligible borrowers from accessing products meant for them.
On Lendsqr, you can update or remove users from a whitelist directly from the admin console. This helps you keep your lending campaigns accurate, controlled, and aligned with your current credit strategy.
What a whitelist means in lending
A whitelist is a controlled list of customers who are allowed to access a specific loan product or offer.
Instead of making a loan product available to everyone, lenders use whitelists to restrict access to selected users based on predefined criteria.
These users may include:
Employees of partner companies
Repeat borrowers with strong repayment history
Customers selected for promotional campaigns
Pre-vetted individuals approved by internal teams
For example, a lender may whitelist employees of a company for payroll-backed loans. Only those employees can see and apply for that product.
Whitelist records are not static. Over time, customer eligibility can change.
If these changes are not reflected, it can create operational and risk issues.
Example scenario
A lender runs a promotional loan campaign for 500 returning customers. After three months, some of these customers miss repayments or become inactive.
If they remain on the whitelist, they may still access preferential loan terms that no longer match their risk profile.
In another case, a customer changes their phone number. If the whitelist entry is not updated, they may lose access to the offer entirely.
Updating and removing users ensures that:
Only eligible customers retain access
Risk exposure is controlled
Campaigns remain accurate and effective
What happens when you remove a user from a whitelist
Removing a user from a whitelist has immediate implications.
The customer will:
Lose access to the specific loan product or offer tied to that whitelist
No longer see the product in their customer app
Be treated like a regular borrower for that product
This does not delete the customer from your system. It only removes their special access to that particular offer.
For example, if a borrower was whitelisted for a low-interest loan, removing them means they can no longer apply for that product unless re-added later.
When to update a whitelist entry
Updating a whitelist entry is useful when customer details or offer terms need to change.
Common situations include:
Correcting phone number, email, or BVN
Adjusting loan limits or terms
Extending campaign eligibility
Fixing errors from initial data entry
Updating ensures that the customer remains eligible and can access the intended offer without disruption.
When to remove a whitelist entry
You may need to remove users from a whitelist in several cases:
Customer no longer meets eligibility criteria
A campaign or promotion has ended
The customer has defaulted or shown poor repayment behavior
Duplicate or incorrect entries exist
The business relationship (such as an employer partnership) has ended
Regular cleanup helps keep your whitelist aligned with your current lending strategy.
How to update a whitelist entry on Lendsqr
Log in to your Lendsqr admin console.
Navigate to the Prequalified Borrowers sub-tab, which is under the “Loan Management” tab.
Search for the user and click on the “More options” icon.
Select either Edit or Delete depending on the case.
Update the required fields, such as contact details or loan limits, if you are editing the whitelist entry.
Updating and removing whitelist users is essential for keeping your lending operations accurate and controlled. As borrower eligibility changes over time, your whitelist should reflect those changes to avoid unnecessary risk or missed opportunities.
With Lendsqr, you can easily manage whitelist entries from the admin console, ensuring that only the right customers have access to specific loan products.
