Branch Loan Review

Branch Loan Review: How To Download Branch Loan App For Android & iPhone

Branch is an international online lending platform that operates in four different countries which are Kenya, India, Tanzania and Nigeria. They provide collateral free loans to their users with a flexible repayment plan.

Branch loan application process is seamless since they’re done electronically hence there’s no need for endless paperwork. 

In this post, we shall be x-raying the loan terms of Branch platform, their eligibility criteria, interest rate, loanable amount and above all, we are also going to show you how you can download the loan app.

Eligibility Criteria For Branch Loan

Branch Loan Review

To qualify for Branch loan, applicants are expected to meet certain requirements. The eligibility criteria are:

1. Age: Must be at least 18 years old.

2. Resident: Applicants must reside in any of the countries where Branch operates. 

3. Income: Stable & reliable income source is also required.

4. Account: You must have an active bank account where the loan will be disbursed.

5. Contact: Functional phone number is also needed.

Branch Loan Application Process

After going through the eligibility criteria of Branch platform, you can proceed to apply for the loan. Follow the steps below to apply:

  • Download and install the Branch loan app from a verified app store.
  • Choose your preferred language from English, Hindi, or Kiswahili and click on continue to proceed.
  • Register or sign-up with your details to get started.
  • Complete the loan application form by entering the necessary details and submit for review.
  • If approved, the loan amount will be disbursed to your account  and that’s all.

Breakdown Of Branch Loan For Kenya Residents

If you reside in Kenya and you want to take a loan from Branch platform, then the following Branch loan terms & conditions are applicable to you.

Branch Loanable Amount

The loan amount that a borrower from Kenya can take from Branch platform varies due to the reputation that the applicant has built with the platform. 

The Branch loanable amount that Kenyans can take ranges from Ksh 500 – Ksh 100,000.

Branch Loan Term

The loan term for Branch loan is relatively flexible, it ranges from 62 – 365 days.

Branch Loan Interest Rate

The interest rate of Branch loans varies depending on the loan amount taken and repayment plan chosen.

The Branch loan monthly interest rate ranges from 2% – 18% while the Annual Percentage Rate(APR) of Branch loans is 20% – 211%.

Representative Example Of Branch Loan For Kenya Resident

Let’s assume you take a loan of Ksh 10,000 at Annual Percentage Rate(APR) of 196% with repayment plan of 62 days

The breakdown will be

Interest:  Ksh. 10000* 196%/ 365 *62 = Ksh. 3260

Then, Total loan amount = Ksh 10000

Amount to be repaid = 13260 (i.e Ksh 10000 + Ksh Ksh 3260)

Hence, the two monthly repayment amount = Ksh 6630

Breakdown Of Branch Loan For Nigeria Residents

For Nigeria residents, the Branch loan description goes thus:

Branch Loan Amount

The loan amount that Nigerians can take from Branch platform ranges from N1,000 – N500,000.

Branch Loan Term

The repayment plan for a Nigerian who takes a loan from Branch ranges from 62 – 365 days.

Branch Loan Interest Rate

The interest rate for Branch loan for Nigeria residents ranges from 3% – 23%.

How To Download Branch App 

Downloading the Branch app for your Android device is quite simple. However, it is important to note that the Branch app is not on Apple Store hence it won’t be possible to download the app directly to you iOS device but there’s a way out.

To download Branch app, follow the steps below:

  • Open your Android device and go to the Google Play Store.
  • On the Google Play Store, type Branch loan app on the search bar.
  • Click on the download button.
  • Finally, install and launch the app. That’s all.


If you’re using an iPhone and you want to get the Branch loan app, you’ll first download the app from the Google Play Store using an Android emulator to launch the app on your device. However, this method is not recommended since the app may malfunction and it also has legal consequences when caught. Please be guided!

Is Branch Loan Legit?

Branch loan appears to be a legitimate lending platform because millions of people have downloaded the app and have been using it for a while now.

However, it is best to understand their terms and conditions before opting for their loaning services.

Branch Loan Customer Care Number

If you’re in Nigeria and you want to contact Branch customer care unit for assistance, then you can reach out to them via:

Call: +234 081361226649

Address: 13th Floor, St Nicholas House, Catholic Mission Street, Lagos Island, Lagos, Nigeria.

Branch Loan Review

Most customers expressed satisfaction with the lending services offered by Branch while some urged them to improve on their lending services. In all, individual experiences may vary depending on the way you approached the platform, nevertheless these experiences are relative hence your own experience may be different from others.


Branch offers online lending services to their users to enable them to ease their financial burden. Their loanable amount is average with a flexible repayment plan.

However, before you opt for their services, it is best to understand their terms of options to know whether it is suitable for you or not. Don’t forget to borrow responsibly and spend wisely!

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