With our ever-growing needs and the tougher economy, I guess most people have been stuck financially at one point for either lacking capital for their business, school fees, medical bills and so on. It's at a situation like this you need a branch loan app to help fill the financial hole.

Branch Loan

Branch loan is available in Nigeria, India, Kenya, Tanzania and Mexico. You can get up to N200,000, Ksh 70,000, 50,000 rupees, Tsh 500,000 and 20,000 pesos for a period of 15 months without collateral when you install the branch loan app on your Android phone.

Table of Contents
  • Branch
  • How it Works
  • Requirements
  • Branch App download
  • How to Apply
  • Interest rate
  • How to repay a branch Loan
  • Branch loan customer care number
  • How we reviewed branch loan
  • Conclusion.

About Branch Loan Nigeria

Branch is a product of branch international, which is a microfinance lending institution that delivers world-class financial services to the mobile generation. With offices in Lagos, Nigeria; Mumbai in India; Nairobi in Kenya, United States and Mexico City in Mexico.

Branch makes getting personal loan much easier by using the data on your phone including your SMS messages to automatically make lending decisions. They combined this with your branch repayment history to build an individualised credit score, which determines the loan offers you receive.

Complete your branch loan application form in seconds when you install the branch app via play store and receive your loan straight into your account within 24 hours if being accepted. Branch loan app is fast, convenient and reliable way to access loan when you need it, that's why they are included in no.2 of the best loan apps in Nigeria.

How Branch Loan App Works

Branch loan works in the following ways:
  • Download the branch app from Google play store
  • Create an account
  • Apply for loan
  • Receive your loan straight into your account
  • Build your loan limit every time you repay a loan

Branch Loan App Requirements

When accessing for a loan on Branch, documents or collateral are not needed, but these are the basic requirements to apply:
  • Phone number or your Facebook account
  • Bank Verification Number (BVN)
  • Bank account

Note: Branch will also request access to the data on your phone in order to build your credit score and determine the loan offers you get.

How To Give Branch Permission From My Phone

To give access to Branch, follow this methods:
  • Locate the"Settings" option in your mobile device and click on it.
  • Scroll down and click on "Apps"
  • Look for "Branch App" and click on it.
  • Now, look for "permission" and click on it.

Branch Loan App (APK) Download

Branch Loan App

To download and install the branch app on your Android phone, follow these tips:
  • On your mobile phone, visit your Google play store (Android users) or Apple play store (iOS users)
  • On the search bar, type branch loan
  • Hit the install button when you see the branch loan app to download the app
  • Congratulations, now you have successfully install the app.

Pros and Cons of Branch Loan

Here's a breakdown of some of the benefits and drawbacks of Branch Loans:

The Pros

  • No hidden charges
  • No collateral
  • Fast loan approval
  • Good customer support system

The Cons

  • You can only borrow for a maximum of N200,000
  • As a first time borrower, you can't borrow up to N100,000 in a time.

How to Apply for a Loan through the Branch Loan App

  • Install the branch loan app from Google play store
  • Create an account
  • Fill in your personal details such as name, phone number and bank account
  • Click on "my loan" at the top left corner
  • Browse and view your loan limits
  • Select any amount being displayed for you based on your limits
  • Click on "request this loan" to process
  • Loan disbursement takes place within 24 hours.
  • Repay on time to increase your limits.

Branch Loan Interest Rate

Branch loan interest rates are determined by a number of factors, including your repayment history and cost of lending. Here's a quick overview of your interest rates.


Loan Amount: N1,000 - N200,000
Monthly Interest: 3% - 21%
Interest Range: 15% - 34%
Loan Term: 4 - 40 Weeks
Late/Rollover Fee: None.


Loan Amount: Rupees 750 - Rupees50,000
Monthly Interest: 2% - 3%
Interest Range: 2% - 25%
Loan Term: 4 - 36 Weeks
Late/Rollover Fee: None.


Loan Amount: Ksh250 - Ksh70,000
Monthly Interest: 2% - 16%
Interest Range: 13% - 29%
Loan Term: 4 - 48 Weeks
Late/Rollover Fee: None.


Loan Amount: Tsh500 - Tsh500,000
Monthly Interest: 5% - 26%
Interest Range: 19% - 33%
Loan Term: 4 - 16 Weeks
Late/Rollover Fee: None.


Loan Amount: MXN $200 - MXN $20,000
Monthly Interest: 2% - 33%
Interest Range: 25% - 53%
Loan Term: 4 - 48 Weeks
Late/Rollover Fee: None.

How to Repay a Branch Loan

There are several ways to repay a branch loan, but in this article, let's focus through the app. Follow this steps:
  1. Login through the branch loan app
  2. From "my loan", tap the round "tap to pay" button
  3. Select the amount you wish to repay and click "continue"
  4. On the "select repayment method" screen, click "debit card" from the drop-down menu
  5. Add your debit card details and click "continue"
  6. Choose your auto debit setting under "payment options" and click "continue"
  7. To secure your payment, some Banks will request for your pin or send a security code to your phone
  8. If successfully, your payment is done and your account will be updated automatically within a few seconds.

Branch Loan Customer Care Number

For support or other issues, get in touch with branch by sending a mail at support@branch.co or you can use any of these following ways
  • Nigeria@branch.co for people in Nigeria
  • India@branch.co for people in India
  • Kenya@branch.co for people in Kenya
  • Tanzania@branch.co for people in Tanzania
  • Mexico@branch.co for people in Mexico.

How Loansnigeria.com Reviews Branch Loan

  • Overall Score - 4.9
  • Affordability - 4.8
  • Availability - 4.9
  • Customer Experience - 5.0

Please note: All reviews are prepared by loansnigeria.com, opinion expressed therein are solely based Loansnigeria.com and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review


Getting a loan through the branch loan app is easy and it doesn't require you to bring in documents or collateral. All they data you choose to share with branch are secured from third party access.

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