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

worst experience in this I have applied after so many days in it and they had verified me and after providing me the offer limit , when I try to transfer the limit amount they disappear the limit and says to reapply after 180 days and they didn't even reply on their chat support worst app to borrow in need . And I think they just use your data only.... never going to recommend anyone very disappoint....

Kindly Could you please check the amount you disbursed but still not came in my bank account ..but it is showing in the branch app for the next repayment..how could it showed like that if I'm not getting the amount in my bank..please kindly check it for me..and also 2 3 messages came to my inbox that amount has been sent to your bank account has been disbursed successfully...I'm not getting the point because my bank account is ok and fine then why it hasn't received till now.......,...........

It's advisable to avoid using the Branch personal loan app, as it can be risky. For example, if you borrow ₹30,000, you only receive ₹28,231. To fully close the loan shortly thereafter, you might need to repay ₹32,303, meaning you lose an extra ₹4,072 within a month. Given these significant potential losses, it is better to obtain a loan directly from a traditional bank rather than through the Branch app.

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.