Download Branch Loan App For 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.

Have you ever found yourself in a tight spot where you needed immediate access to money? We all strive to save, but there are occasions when we must turn to loans to navigate through financial challenges.

While it can be an uncomfortable situation, the Branch loan app is here to lend a helping hand. Whether you need funds for debt consolidation, paying overdue bills, or financing a significant purchase, a personal loan might be the perfect solution for you.

By submitting an online application through the Branch lending app, you may be eligible to borrow the money you need. However, it’s important to note that approval is not guaranteed and depends on various factors, including your creditworthiness.

Opting for the convenience of the Branch loan app can make applying for and managing your loan a breeze – as long as you choose a loan amount that you can comfortably repay.

Did you know that the Branch app has earned its place among the best loan apps in Nigeria? In this comprehensive article, I will guide you through everything 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?

The Branch loan app is a financial mobile application that provides accessible and convenient personal loans to individuals. It is designed to offer quick and hassle-free borrowing options to help people meet their immediate financial needs.

With the Branch loan app, users can apply for personal loans directly from their smartphones. The app utilizes advanced technology and algorithms to evaluate applicants’ creditworthiness and determine loan eligibility. This allows for a streamlined and efficient loan application process without the need for extensive paperwork or physical visits to a bank.

Branch online loan

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.

How Does Branch Loan Work In Nigeria?

If you’re conversant with how to borrow money online, using the branch app wouldn’t prove daunting.

The Branch loan app offers flexible repayment terms, allowing borrowers to select a repayment schedule that suits their financial capabilities. The loan amounts and interest rates are determined based on various factors, including the borrower’s credit history, income, and other relevant data.

The app provides a user-friendly interface that allows borrowers to track their loan status, repayment schedule, and remaining balance. It also offers features to facilitate loan management and prompt notifications to remind borrowers of upcoming payments.

The Branch loan app has gained popularity due to its accessibility, speed, and convenience. It has become a valuable resource for individuals seeking quick financial assistance for various purposes, such as covering emergencies, paying bills, or financing purchases.

It’s important to note that while the Branch loan app offers convenient access to loans, borrowers should exercise responsible financial behavior and ensure they can comfortably repay the borrowed amount according to the agreed terms and conditions.

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 iOs devices.

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

Download Branch App for Android

  • Visit the Google play store

To download the branch loan app on your android, head over to the google play store on your android phone. It is currently available for android users of version 5 and above and has over 10 million downloads and 800k+ reviews from users.

  • Search for Branch loan mobile app

Hit the search bar, and type out Branch loan mobile app. When the search result comes up, click on it.

  • Install the app

After you’ve confirmed that it is the app, click on Install. Once the installation process is complete, open the app on your device.

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.

how to repay branch loan without the app

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.

There are quite a few repayment options provided within the app when you want to make repayment.

  • You can top-up your branch account wallet and repay using the balance in it.
  • You can make transfer to an account that you’ll be provided with on the app.
  • You can also make payment with your ATM card

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 minutes.
download branch loan app

How Much Can You Borrow From Branch International

Through the Branch international loan, you can be able to borrow loan in the range of #2,000 – #500,000 depending on your credit score.

When it comes to loan apps that gives higher amount to first-time users, Carbon Loan App makes the list. You get a first-time loan of around N10,000 or N20,000. Later when you repay your loans on time, the amount you can borrow increases.

How Much Is Branch Loan Interest Rate

According to the official statement on the Branch website, Branch offers loans from ₦2,000 to ₦500,000. Loan terms range from 9 – 52 weeks. Interest ranges from 17% – 40% with an equivalent monthly interest of 1.5% – 15% and APR of 18% – 260%, depending on your loan option. There is no collateral necessary. Interest rates are determined by a number of factors, including your repayment history and the cost of lending for Branch. Standard SMS and data charges by your mobile carrier may apply.

How Long Does It Take to Process a Loan?

Based on my experience, after a successful branch online loan application, it takes up to a maximum of 1 hour for a branch loan to be processed.

What Happens When You Don’t Pay Your Loan?

Lack of loan repayment results in a bad credit history which means you might not be able to borrow from the app.

Just like the Fair Money 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

In a world where financial emergencies can arise at any moment, having access to quick and reliable funds can make all the difference. The Branch loan app emerges as a beacon of hope, offering a seamless and convenient borrowing experience right from the palm of your hand. With its user-friendly interface, efficient processes, and flexible repayment options, Branch proves to be a lifeline for those in need of immediate financial assistance.

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