Branch: Loan & Online Banking

Branch International Financial Services Limited

About this app

Branch is much more than an online loan app to borrow instant cash. It is the only online banking app in Nigeria that lets you transfer money, gives you 2% cash back for every bill you pay, invest to earn up to 23% returns, and borrow money. It is the ultimate cash app with over 60 million downloads and counting!

Personal Cash Loans range from ₦6,000 to ₦1,000,000

Tenure:
62 days to 1 year. Monthly interest rates from 3% to 23% depending on the risk profile of the customer.

Example
Borrow ₦60,000 at APR of 181% (per annum) with a tenure of 62 days
Interest amount = (₦60,000 * (181% / 365)) * 62 = ₦18,400
Total loan amount disbursed will be ₦60,000
Total loan amount to repay will be ₦78,400 (₦60,000 + ₦18,400)
Two monthly payments of ₦39,200
Some customers may be charged a late fee.

Loan features:
👉 Best loan app in Nigeria
👉 Loan Amounts: ₦6,000 to ₦1,000,000
👉 Get a credit alert in your wallet account instantly
👉 Repayment periods from 62 days to 1 year
👉 Monthly interest rates range from 3% to 23%
👉 APR from 34% to 271% per annum
👉 Flexible payment plans
👉 No loan origination fees, processing fees, or hidden costs associated.

Transfer and pay bills for free: The Branch wallet offers
👉 2 free transfers a month. We charge just ₦10 from the 3rd transaction monthly.
👉 2% cash back every time you buy airtime, data, or pay for electricity, examinations, and cable TV bills
👉 Top-up bonus when you make deposits to your Branch wallet

Invest easily on the best finance app: Thinking of investing? Branch offers the best investment product in the country

Fixed Investment
👉 Earn a 23% Interest rate per annum when you lock your funds for a minimum of 30 days
👉 You can create multiple fixed investments, with different maturity dates.
👉 Helps you put your money away for 30 days and above, to avoid spending it. It works better than your bank savings account

Flexi Investment
👉 Enjoy a 10% Interest rate per annum.
👉 Withdraw your investment anytime without a penalty fee or move it to move to fixed investment
👉 Interest is paid into your account weekly and is compounded.
👉 Top up money into your investment account at any time.

Here’s everything you need to know about Branch:
👉 Get instant loans - no paperwork or collateral
👉 Make reliable transfers to any bank account in Nigeria. The First 2 transactions in the month are free
👉 Pay bills without the extra ₦100 charged by other banks. Instead, get 2% cash back to help steady your finances
👉 Invest & earn up to 23% interest (One of Nigeria’s highest rates)
👉 Withdraw your investment anytime with Flexi investment

Privacy policy
Branch uses World-class data security and encryption techniques to protect the data you share and we never share your information with a third party.
With your permission, we access some data on your phone to verify your identity and determine your eligibility for a loan. We also use this to improve the quality of financial services that we provide to you. We have strict policies that ensure our methods are adequately communicated and customer data is always protected.

👉 Branch is licensed and regulated by the Central Bank of Nigeria.

Contact us
We're always excited to hear from you! If you have any feedback, questions, or concerns, please email us at [e-mail] or find us on Facebook!

Follow us on
👉 Twitter: twitter.com/branch_ng
👉 Instagram: @branch_ng
👉Facebook: Branch Nigeria
👉 Visit our website: branch.com.ng
👉 Our Office Address: JAPAUL House, Plot 8, Dr. Nurudeen Olowopopo Avenue
Ikeja CBD, Agidingbi-Ikeja, Lagos, Nigeria

Branch is not associated with the following apps or any other finance and lending apps: Opay, Renmoney, Palmpay, Carbon, Piggyvest, Palmcredit, Lcredit, 9credit, Fairmoney, Pal Loan, HiCredit, Goget Credit, Silk Loan, Apex credit, Dovekash, AidaCredit, Flash Credit, Quickash, Moniepoint, Easemoni and Okash.

Ratings and reviews

I applied for a loan and immediately sent a cancellation request the same day. I also emailed Branch to cancel, but they ignored my messages. Despite my cancellation request, they disbursed the loan amount to my bank account the next day. I tried contacting them through email, call, and the app’s customer service, but nobody responded.

Horrible Experience, I was branch user from last year I had paid all my due on time (even before due date at sometime) . Last month i.e Sept 2025 I paid in full to branch but unfortunately they put a hold to my account saying that I can only reapply after 180 days. Even my cibil score is above 700+ but they deny on giving me loan. They provide false hope please don't install the app you will regret for lifetime useless app they only know how to extract high interest and no support to customers.

Very bad experience, I have paid the full loan amount on time to increase my credit score and credit limit on this platform. But the second time I applied for my application was rejected for no reason, no reasonable response from the platform. They want to put me hold for 180 days? In emergency how can someone wait for 180 days?👿

What's new

Better than your bank - we've totally redesigned our app to help you manage your finances on the go. Update now to see our sleek new design and get access to new products and features.

If you like the new update, share the love by leaving a 5-star review and inviting your friends. Have feedback? Let us know by messaging Customer Care in the app.