Branch – online loan Nigeria
Branch gives instant loans from ₦1,000 to ₦500,000 through its mobile app. No office visits, no paperwork, and no collateral. Your loan limit grows the more you borrow and repay on time.
Applying does not commit you to a loan agreement.
Branch has been operating in Nigeria since 2017 and now serves millions of borrowers across the country. The entire process runs through a smartphone app, from application to disbursement. There are no forms to fill in at a branch and no guarantors required.
New borrowers typically start with smaller amounts, around ₦1,000 to ₦20,000. As you build a repayment history, Branch increases your limit automatically. Regular customers can access up to ₦500,000 within minutes of applying.
Interest rates vary based on your credit profile and loan term. First-time borrowers pay more, while returning customers with a clean repayment record get lower rates. Branch discloses the full cost before you accept any offer, so there are no surprises.
Who is Branch for?
Branch works well for Nigerians who need cash quickly and do not have the time or documents required by a traditional bank. It suits salary earners, traders, and anyone with a smartphone and a Nigerian bank account.
✓ Pros
- No collateral or guarantor required
- Loans paid within minutes of approval
- Your limit increases with each repayment
- Available on Android and iOS
- No office visit required
✗ Cons
- Interest rates are high for first-time borrowers
- Starting limits are low
- Requires a smartphone with mobile data
Loan requirements
- ✓ Nigerian bank account
- ✓ BVN (Bank Verification Number)
- ✓ Android or iOS smartphone
- ✓ Valid Nigerian phone number
Frequently asked questions
Within 24 hours after submitting your application.
The minimum amount at Branch is ₦1,000.
How to log in and sign up to Branch
Branch is used through its official app and website (branch.co). To sign up, download the official Branch app or open its website, then register with the details requested — usually your phone number and BVN — and complete the short verification. To log in, open Branch and sign in with the phone number or email you registered with. Never share your login code, OTP or PIN with anyone, and only use the official Branch channels.
Branch customer care and contact
For help with your account, repayments or complaints, contact Branch through the support options inside the official app or on branch.co. Branch is operated by Branch International Financial Services Limited. Be cautious of anyone asking for an upfront "processing", "clearance" or "insurance" fee before disbursement — legitimate lenders deduct any fees from the loan, never before it. You can also compare Branch with other lenders before you decide.