Branch: Loan & Online Banking

Branch International Financial Services Limited

Información de la aplicación

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.

Valoraciones y reseñas

Mal, muy mal. Con su último actualización, tienes que esperar un plazo de 24 horas para que te lo autoricen, lo mandan a revisión cuando todos y cada uno de mis préstamos han sido pagados en tiempo y forma. Te vuelven a pedir información que ya tenían. La ventaja es que hay muchas otras financieras que te hacen los préstamos de forma menos complicada ya que tienes un historial. Muy mal por ustedes

Estaba bien, pero ya no te deja pedir préstamos, dice que tienes que esperar una semana y luego de esa semana lo intentas pedir y otra vez tienes que esperar Solamente lo ocupaba en emergencias y ya ni eso se puede. Dice que el sistema debe reunir suficiente información, nisiquiera te piden nada!. También si metes alguna cuenta familiar o conocido te bloquea el acceso totalmente y tienes que intentar desde otro dispositivo, como si tuviera un buen de teléfonos 🙄. No es útil la app, es un fraude

He estado con branch desde hace 6 meses, he sido puntual con mis pagos, es más los hago días antes de la fecha de vencimiento, hoy solicité préstamo y me lo rechazaron porque sus políticas cambiaron, más estrictos, de nada sirve tener buen historial porque no lo toman en cuenta. Estoy decepcionada de está financiera, porque no valoran un buen cliente, que aparte de ser puntual les generó ganancias todos estos meses.

Novedades

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.