Download Branch Loan App & Get Instant Personal Loan [Review]

Branch loan app review

So, it’s 2023 and I still can’t do without getting loans from Branch Loan App. You know why? Their financial service rendering is seamless. Did you know it’s been over 4 years now since I started using the branch app and without any payment defaults? Well, I’ll tell you the story of how I got started with Branch International some other day.

Many people get loans for different reasons; it could be to cater for urgent needs, pay bills, make a quick purchase, and it could even be for business opportunity purposes. For me, I just want to build my credit score. The first loan I got access to was just #3,000, and today, I’m eligible to borrow as high as #150,000 on branch app. For Palm credit app, it’s around the same amount, but for Fair Money, I borrowed as high as 1 million Naira!

Want to know how to get a loan on the Branch loan app? I’ll share with you all you need to know in this post.

How many times have you found yourself in a situation where you required money right away? We all do our hardest to save money, but there are times when you have to take out loans in order to get by.

It is, of course, really uncomfortable, but if there is nothing more you can do, the Branch loan app is available to assist you.

If you require funds to assist with debt consolidation, to pay past-due bills, or to finance a significant purchase, a personal loan may be the best option for you.

You may be able to borrow money through the branch lending app if you submit an online application for the loan. However, keep in mind that acceptance is not assured and is dependent on a variety of variables, including creditworthiness.

You could find that applying for or managing a loan using the branch loan app is a convenient way to go – provided, of course, that you choose a loan that you can readily repay.

Did you know that this Branch app has made it to the top list of the best loan apps in Nigeria? In this article, we’ll walk you through all you need to know about the Branch loan application.

Quick Disclaimer: We are not Branch loan company; the information provided is for information purposes and personal opinion based on what we’ve tried with the app. Do read their terms and interest rate policies before you proceed.

What Is Branch Loan App?

Branch makes it easy for people in Nigeria to access a loan, anytime, anywhere. It is no doubt one of the easiest platforms to use when just learning how to borrow money online in Nigeria.

Fill the application in seconds and receive your loan straight into your mobile money account. Branch International is like a bank in your pocket, there for you at all times.

Branch online loan

Branch personal loan is a product of Branch International, which is a microfinance lending institution that operates in Nigeria and countries abroad.

Applying machine learning, Branch has created an algorithmic approach to determine credit worthiness via customers’ smartphones.

While this tech-forward approach requires transparency and trust, it also enables a fair, secure, and convenient path for customers to build capital and save for the future.

In emerging markets across the globe, the middle class is booming and so is their need for fair, reliable financial services and capital.

With smartphone growth at an all-time high, Branch has a unique opportunity to build customer-first financial products for people worldwide.

The branch loan app has a great track record as it currently has over 3 million customers worldwide, has issued over 15 million loans and has disbursed over $350 million.

Who Is the Owner of Branch International?

The core leadership of Branch international is fused with competent personnel in Finance and management.

From a pool of important personnel, in this article, we will talk about three of the most important leaders of the organization which includes:

Who is the owner of Branch International - Matt Flannery
Matt Flannery CEO of Branch International

Flannery is a co-founder and the former CEO of and the current CEO of Branch International. He was the CEO of from 2005–2015.

Flannery began co-developing Kiva in late 2004 while working as a computer programmer at TiVo, Inc.

Daniel Jung – Co-founder and COO at Branch International

Daniel Jung is a fellow co-founder and COO of Branch international.

CHARISHMA CHOTALIA - Owner at Branch International
CHARISHMA CHOTALIA at Branch International

Based in Mumbai, Charishma leads Branch’s India operation and was the key leader responsible for leading Branch’s expansion into India.

She holds vast knowledge and experience in navigating dynamic, ever-changing regulatory environments to allow companies to scale at speed.

Prior to joining Branch, she led expansion efforts for a social enterprise into South Asia.

How Does Branch Loan Work In Nigeria?

Branch’s loan platform in Nigeria provides a variety of services to its consumers, including loans of varying amounts.

Through the branch quick loan, you can acquire loans ranging from medical loans, which are useful for people who are suffering from health problems. This presents a possibility to obtain financial assistance for treatment.

Firm loans are intended for entrepreneurs who are going to launch a business or who are attempting to identify a growth opportunity for their existing business.

Education loans are available to students who need to pay their tuition fees and other expenses.

Branch has goods that are designed to meet people, specifically their customers, where they are in their time of need.

Those who have little or no savings are also included in this category. In order to provide their clients with financial goods that may be accessible from any location at any time, without regard to tradition, alternative data is used for their customers’ convenience.

In order to accomplish this, the branch platform operates only with the consent of their customers, analyzing smartphone data in order to assess whether or not their customers are eligible for specific loan products, resulting in each customer receiving a customized loan.

Branch Loan App Download For iPhone and Website

Downloading the Branch app for loans for customers using any of the Apple brands has always been an issue.

However, we will give you a step by step guide on how to successfully download the Branch loan app on your device be it i-pad, iPhone 5,6,7,8, X and X-max. We have got you covered.

You can download the Branch app for iPhone using the following guides:

  • We assume you might have already signed into your app store before now, but if not, the first step is to sign in to the app store with your Apple ID.
  • Launch App Store from your Home Screen or menu of applications.
  • You can then click on the Apps option usually at the bottom of your screen. Thus will prompt a list of categories to pop up. Proceed to select the category or otherwise you can easily utilize the search box and input ‘Branch’.
  • When the Branch loan app comes up, just click on it.
  • A whole new page comes up with the get button and then select the install option. The Branch loan app is classified among the top classified free apps, so you don’t require any funds to install it.
  • The next step is to Authenticate the app installation. Click the resulting side button twice and  You will get an option to clear the download.
  • Sign in to your iTunes account to complete your download.

For any further information or inquiries about the Branch loan app, visit the Branch loan website at

How Do You Get a Branch Loan?

The branch loan app is one of the easiest fintech platforms to obtain loans in Nigeria.

However, Before you can obtain any loans from the platform, they are certain requirements you need to meet.

Without satisfying these requirements, it’s impossible to get a loan from them. These requirements include:

  • Personal details
  • Residential address
  • Phone number
  • Email
  • Bank verification number- BVN
  • Permission to access phone data
  • Bank details

If you are one who has or satisfy all the listed requirements, then you are eligible to apply for Branch loans. To apply for branch loan, follow our step by step guide listed below.

  • Download the app

The first step is to download the Branch loan app for Android. You can download it from app store for iPhone users as explained earlier in this article, or better still, you can download the Branch loan app from Google play store for those using an android phone.

  • Open an account on the app

Once you have installed the application successfully, open your app menu and launch the Branch loan app.

You are then required to open an account on the platform by inputting your details like Name, email address, location, bank details, etc. You are also required to grant the app access to your phone data.

  • Apply for loan

After successfully creating your personal account on the platform, you are then ready to apply for a loan.

On the loan app menu, toggle to the ‘my loan’ icon on the page. After then, a lot of options pop up on the screen. You can then click on “Request loan” to tender your loan application.

  • Wait for loan

After a successful loan application, all that’s left is for your loan to be approved but you need to wait for the approval. 

The loan application process may take between 1 to 24 hours to be complete.

  • Branch loan repayment

After receiving the loan you applied for, you have to repay within the tenor of the loan you chose during application.

It’s always favorable to repay your loan on time, resonate being that you get a higher credit score.

The higher your credit score, the more money you can borrow through the platform. So if you are ready to repay your loan, follow the steps listed below.

  • Launch the branch app on your smartphone or ios.
  • Click on “My Loan“.
  • Click on the  “Tap to Pay” icon.
  • Enter the amount you intend to pay back.
  • You can either pay using your bank or using your ATM card. However, if you select “Bank Account“, you would be sent a verification code from your bank.
  • Select “Bank Account” or “Card” and click on ‘Continue’. Your loan repayment should be complete within 24 hours.

How Much Can You Borrow From Branch International

Through the Branch international loan, you can be able to borrow loan in the range of #1,000 – #200,000 depending on your credit score.

Unlike the Carbon Loan App, you get a first-time loan of around N1,000 or N2,000. Later when you repay your loans on time, the amount you can borrow increases.

How Much Is Branch Loan Interest Rate

Branch instant loan offers loans from ₦1,000 to ₦200,000. Loan tenor range from 1 – 10 months.

Interest ranges from 15% – 34% with an equivalent monthly interest of 3% – 21% and APR of 33% – 261%, depending on the loan option you choose.

A lot of factors affect the interest rate for a particular loan option, including your repayment history and the cost of lending for Branch.

How Long Does It Take to Process a Loan?

After a successful branch online loan application, it takes up to a maximum of 24 hours for a branch loan to be processed.

What Happens When You Don’t Pay Your Loan?

No loan repayment results in a bad credit history which means you might not be able to borrow from the app.

Just like the Palm Credit loan app and other loan apps, if you don’t pay back your loan, further action might be taken against you as you will be reported to the Federal Credit bureau so that you will be unable to obtain loans from any other loan platform in Nigeria.

Branch Loan App Customer Care Contact

For any inquiries on Branch loan app or their services, contact them at:

  • Email:
  • Twitter:
  • Facebook:

Branch Loan App Review Summary

The branch money loan gives you the opportunity to push through circumstances, make that deal happen, expand or grow your business.

The best thing about the platform is that you can obtain your loan within 24 hours which is almost no time.

If you have any further questions concerning the Branch loan app, you can contact their platform through their contact information above.

Ever used the app for loans to meet urgent needs? Let’s have hear your experience in the comment box.

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  1. Branch loan is quite friendly loan i have ever come across, to my surprise, I defaulted for a very log time due to the financial tsunami I found myself in, but BRANCH INTERNATIONAL SERVICE grants me 30% discount of my debt and fortunately, I am able to pay off the debt.
    Also, I discovered that BRANCH seems not to be laptop friendly but is mobile phone friendly. because whenever I try to log in via my laptop but it seems there is no way for that.

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