How to get a loan from branch

Branch is an international loan platform that is available in Nigeria, India, Kenya, Tanzania, the United States, and Mexico. They offer easy-to-access personal loans that do not require much documentation.

Since its creation, they have given over 15 million loans worth over $350 million. The Fintech platform has a long list of reputable investors that includes VISA and the International Finance Corporation (IFC). While Branch is an international lending platform, for this article we will be focusing on Branch Nigeria. Since they operate the same system everywhere, you can read and follow the steps irrespective of where you are.

The aim of this Fintech company is to give loans to deserving people worldwide even people with little to no credit history or savings. But they require permission from customers to scan their phone data in order to determine loan eligibility.

Branch Loan

In summary:

Interest rate:14% – 28%
Loan term:4 Weeks – 15 Months
Loan available:₦ 1,000 to ₦ 200,000
Repayment:In-app with debit card, USSD code, cash deposit, and others
Collateral:No collateral required
Mobile app:Available for Android phones only.
Download at Google Play Store
Customer care:No phone support
How fast?5 minutes to 1 hour

Branch loan requirement

The following may be required before you can get a loan:

  1. Phone number or Facebook account
  2. Bank Verification Number (BVN)
  3. Bank account Number
  4. Permission to access phone data
  5. You should be using a bank supported by the platform

How to get a loan from Branch

Follow these steps to get a loan from Branch:

1. Download the app

The first step is to download the app. You can download it from Google play store using your android phone

2. Create an account

Once you have installed and launched the app, you will need to create an account. Do not forget to grant the app permissions to your phone. It is important if you want to get a loan. Creating an account is easy. Information that will be required includes: your personal details, phone number, and bank details

3. Apply for a loan

Once you have created your account and granted the app permission, you are ready to apply for a loan. Simply navigate to “My loan” page within the app, and you will see many options. Click on “Request loan” to submit your loan application.

Remember to use this invite code: mfon0af57

4. Wait for loan

Once you have applied, you should wait for loan.  The loan application process may take up to 24 hours

List of banks supported by Branch

Here the list of banks that is supported by the platform:

  • Access Bank
  • ALAT by Wema
  • Citibank Nigeria
  • Diamond Bank
  • Ecobank
  • Enterprise Bank
  • Fidelity Bank
  • First Bank
  • FCMB
  • GT Bank
  • Heritage Bank
  • Keystone Bank
  • Mainstreet Bank
  • Skye Bank
  • Stanbic IBTC Bank
  • Standard Chartered Bank
  • Sterling Bank
  • Suntrust Bank
  • Union Bank
  • UBA
  • Unity Bank
  • Wema Bank
  • Zenith Bank

If your bank is not listed, you will be unable to get loan. You need to have an account with one of the listed banks.

How much can you get?

You can get a loan ranging from ₦ 1,000 to ₦ 200,000. However, you repay your loan in time, your loan offer may increase.

Branch loan interest rate

The interest rate depends on a lot of factors including repayment history. The interest rate is from 14% to 28% that is equivalent of 1% – 21% monthly interest rate.

Loan term

The loan term ranges from 4 Weeks – 15 Months

Repayment of Branch loan

There are many options to repay loan. Very many options.  You can repay with your ATM debit card. If you are a GTBank customer, you can repay in app via USSD. And you can also repay with your account account number.

All you have to do is open the app. Navigate to “My loan.” Then click the “Tap to Pay” button. Next you select the amount you want to repay. And click continue. You will see a ‘Select Repayment Method’ screen. Select the payment method you want to use to repay loan and follow instruction.

Alternatively, you can repay loan with cash at any bank except GTBank using NIBSS e-BillsPay. All you have to do is visit the bank, pick up a deposit slip and use the information below:

Account name – BRANCH INC

Depositor’s phone number – number registered on Branch

Depositor’s name – your name

Amount – any amount you want to pay

Please note that an account number is not required for this payment and that a bank charge of ₦ 100 will apply. Please ensure that you collect a copy of your payment receipt (not teller) printed by the bank after successful payment.

Lastly, there is an auto-debit option. You can set it up.

Branch loan app

The branch loan app is available for download at Google play store. Currently, the loan app is only available to android phones. There is no iOS, windows or blackberry app yet.

Branch office in Nigeria

Currently, branch do not offer in-office support. We will update it here once they do. You can reach them via in app chat or support email

Branch customer care

The customer care email for Nigerians is

There is currently no support phone number.

Customer care support email for other countries: Kenya (, India (, United States (, Tanzania (, Mexico (

Branch Website

The Branch Nigeria website is The website for Branch international is

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Editorial staff

Editorial staff is a platform that connects people with ideas, opportunities and latest trends in personal finance growth online and offline. It is the most read personal finance platform in Nigeria

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  1. I will appreciate repaying my loan through a bank account, if it is like that I will have paid my loan since.

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