Branch Instant Personal Loan

Branch International Financial Services Limited

About this app

Trusted by 5 CR+ Indians, Branch is a personal loan app that gets you an instant loan up to ₹5,00,000 in your bank in 10 minutes, 100% online, zero paperwork. Branch is an RBI-registered NBFC, and our personal loan app has no hidden charges. Need to borrow money instantly? This loan app is built for it. Borrow money instantly, repay flexibly.

Whether you need ₹2,000 for the week or ₹5,00,000 for something life-changing, Branch is the loan app personal borrowers across India trust. As a loan app personal users return to, Branch matches every need. As the loan app personal customers recommend most, we keep things simple. No other personal loan app in India matches Branch. You pick the loan amount and tenure - a true loan instant personal loan app experience. Try the loan instant personal loan app millions choose. The loan instant personal loan app you can trust, every time.

🏆 WHY MILLIONS CHOOSE THIS LOAN APP
✅ Instant loan amounts: ₹1,000 - ₹5,00,000
✅ Tenure: 3 - 24 months
✅ Interest rate: 12% - 66% p.a.
✅ APR: 20% - 50%*
✅ 100% paperless instant loan online app
✅ Money in your account in 10 minutes
✅ Quick credit score check, no CIBIL score hassle for many users
✅ RBI-regulated lending, fully transparent

Branch is a fast loan app instant cash advance for genuine personal needs - not a loan app instant cash advance for gambling. Use this loan app instant cash advance responsibly. The instant loan online app you can rely on - the loan app personal users keep open.

GET YOUR INSTANT LOAN IN 3 STEPS
1️⃣ Download this loan app and register with your mobile number
2️⃣ Enter PAN, get a personal loan app offer in minutes. We assess your credit score and CIBIL score instantly
3️⃣ Accept your loan and money hits your account fast - how a real instant loan online app works

REPRESENTATIVE EXAMPLE
✔ Loan amount: ₹1,40,000
✔ Tenure: 24 months
✔ Interest rate: 27.01% p.a.
✔ Processing fee + GST: ₹3,304
✔ Monthly EMI: ₹7,614
✔ APR: 29.59%
APR = interest rate + processing fee + all charges. Actual EMI and rate depend on your credit profile, credit score, CIBIL score, and loan amount. All charges shown upfront. No hidden fees.

🛡️ CUSTOMER SAFETY
- Reminders only via registered channels, never personal, foreign or VOIP numbers
- Repayments only via the Branch loan app, never to personal accounts
- Collection follows RBI guidelines and is fully monitored
- SMS data used only to assess creditworthiness, credit score, and CIBIL score - never shared

USE THIS PERSONAL LOAN APP FOR WHAT MATTERS
🏥 Medical - hospital, pharmacy
🎓 Education - tuition, courses
✈️ Travel - flights, bookings
💍 Wedding - venue, catering
🛠️ Home repair - appliances, furniture
📱 Electronics - smartphone, laptop
💼 Business - stock, working capital
🆘 Emergency - borrow money instantly when life demands it

ELIGIBILITY
✔ Indian citizen, 18+
✔ Valid PAN card
✔ Active bank account
✔ Smartphone, internet
No salary slip. No collateral. A clean credit score helps, but each CIBIL score is reviewed holistically.

LENDING PARTNERS
🏦 Hari and Company Investments Madras Private Limited (formerly Vivriti Capital Limited)
🏦 Northern Arc Capital Ltd.
🏦 InCred Financial Services Limited

🌐 LANGUAGES
English and Hindi - instant loan in your language.

🔐 MEMBERSHIPS
🏛️ DLAI - Digital Lenders Association of India
🏛️ FACE - Fintech Association for Consumer Empowerment

ABOUT BRANCH
Operated by Branch International Financial Services Private Limited, an RBI-registered NBFC, founded by Matt Flannery. Responsible, ethical digital lending in full RBI compliance. Your credit score and CIBIL score stay private, end-to-end encrypted.

Need to borrow money instantly? Download the Branch loan app today.

Contact
📞 [phone]
📧 [e-mail]
💬 Or chat in the app

Ratings and reviews

I had a great experience using the Branch app for my loan needs. The process was quick, simple, and completely hassle-free. What impressed me the most was the low interest rate compared to other loan apps, making repayment much easier and stress-free. The app interface is user-friendly, and approval is fast without unnecessary complications. Funds are disbursed quickly, which is very helpful in urgent situations. Overall, Branch is a convenient option for anyone looking for a short-term loan.

This app was good. It did helped me in my worst but even after maintaining a good record, even after doing payments on time, without any delay suddenly it shows I'm not eligible for the loans any more.. Firstly they show me loans and when I try to take it they disapprove them at the time of disbursement.. I'm highly disappointed due to this..

3/2/26 A very bad experience. I had repaid my entire loan on time on this platform to improve my credit score and credit limit. But the second time I applied, my application was rejected without any reason. I didn't receive a proper explanation from the platform, and even after waiting 30days and trying again, the loan was rejected once more. Do they expect me to wait 30 days? How can anyone wait 30 days in an emergency? "Bad app!" very bad 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.