Branch International Finance Company Limited is Licensed by the Central Bank of Nigeria

Better than your bank

Transfer money, pay bills for free, get instant loans up to ₦1,000,000, and enjoy investment yields of up to 23%.

Download Branch on Google Play

Licensed by CBN

Request for your Branch Debit Card in the App.

Request for your Branch Debit Card in the App.

Build credit
as you go

We designed our loan process to fit your needs and help you grow. As you build credit with Branch, you unlock larger loan amounts.

Get what you
need on the go

Unlike other lenders, we don't make you jump through hoops or fill out paperwork. Simply apply through the Branch app and get approved in under 24 hours.

Invest and earn
up to 23% interest

Market leading interest rates make your money go further. We offer flexible withdrawals so that you can access your money anytime, anywhere.

Reliable transfers
from your wallet

With the Branch Wallet, you can send and receive payments from your friends and family.

Pay bills with the
tap of a button

Easily pay bills and purchase airtime and data bundles direct from your Branch Wallet. Transact on the go and enjoy instant purchases.

No surprises,
no embarrassment

We don't put restrictions on how you spend your money, we tell no one about your money business, and our customer support team is available 24/7.

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Download the Branch app and create your account

Apply for the loan that matches your needs

Receive your loan into your Branch wallet

Transfer to your bank account, send money to friends and family, or pay bills

The Branch Debit Card is here! Experience reliable payments every time, withdraw cash from ATM with zero charges and zero maintenance fees.

Privacy is paramount

At Branch, the privacy and security of our customers and their data is our top priority.

Security

All the data we use is encrypted and protected.

We have strict policies in place that ensure our methods are properly communicated and customer data is always secure.

Data privacy

We never sell customer data or share customer contacts with third parties.

Ethical collections

We do not condone any aggressive debt collection practices, including debt shaming.

If you experience any form of harassment, please report the issue to us immediately via in-app chat.

Real Branch Stories

“Branch has been there when I need it for my business. It’s real, it’s reliable and simple to use.”

– Debola O., Lagos, Nigeria

Download Branch on Google Play
Branch offers loans from ₦6,000 to ₦1,000,000. Loan terms range from 4 – 52 weeks. Interest ranges from 21% – 36% with an equivalent monthly interest of 2.8% – 23% and APR of 34% – 272%, 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.