Frequently
asked questions

Can't find your answer? We're here to help! Ask one of our advisors at nigeria@branch.co.

Branch makes it easy for people in Nigeria to access a loan, anytime, anywhere. Complete our application in seconds and receive your loan straight into your bank account. Visit our website to learn more.
Branch has offices in Nairobi, Kenya; Lagos, Nigeria; Mexico City, Mexico; Mumbai, India; and San Francisco, United States.
At the moment, Branch operates in India, Mexico, Nigeria, Kenya, and Tanzania.
You can follow this link and click Update. Or you can go to Google Play, search for “Branch International” then click “Update”.
At the moment, we do not provide customer support by phone number or in person. Please send us a message via the app any time, and we will help you resolve whatever issue you may have.
Please click here to see what other customers are saying about Branch.
Requirements are simple - all you need to apply is your phone number or Facebook account, bank verification number (BVN) and bank account number. We will also request access to the data on your phone in order to build your credit score. Note that we currently support the following banks: Access Bank, ALAT by Wema, Citibank Nigeria, Access (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, and Zenith Bank.
Unfortunately, at this time we do not offer our service through some banks. We aim to be able to do this in the future. If you have an alternative account with any of the banks that are listed in the app, we encourage you to select that bank and apply.
Branch uses data from your phone, including your handset details and SMS messages to automatically make lending decisions. We combine this with your Branch repayment history to build an individualised credit score, which determines the loan offers you receive.
If you don’t get accepted when you apply, don't worry! Sometimes it may take several attempts to qualify for a loan. We encourage you to continue saving data on your phone and to reapply after the period stipulated.
We aim to process all loan within 24 hours. We hope to reduce it soon to just a few minutes.
Branch uses data from your phone as well as other sources to make a lending decision. To increase your chances of approval, please make sure to save the data on your phone, stay current with all other lenders, and correctly input your account details.
Once a phone has been used to access Branch, it cannot be used by anyone else. To access Branch, kindly use another phone that you own and that has not been used for a Branch loan before.
Applying for a loan is easy! After you have downloaded the Branch app, all you need to do is log in, fill in your personal details, phone number and bank details. You can then proceed to the “My Loan” page in the app, view available loan offers and click “Request this Loan” to submit your request.
Our loan sizes range from around ₦ 1,000 to ₦ 200,000. If you repay loans as scheduled, the amount that you can borrow will increase.
The loan offers you see depend on a number of factors, including your repayment history with Branch. If you repay each installment by its due date, you may unlock access to larger loans over time. Note that the increase may not always be immediate, and that repaying your loan late may result in smaller loan offers.
Unfortunately, you won't be able to access a loan of a larger size. The fastest way to increase the amount you are eligible for is to build credit by making each repayment as scheduled.
The largest loan amount we currently offer is ₦ 200,000. To access this amount you need to take and successfully repay the smaller amounts as scheduled and gradually build your credit limit.
Interest rates are determined by a number of factors, including your repayment history with Branch and the cost of lending for us. Depending on these factors, our rates vary as follows:

• Loan Terms: 4 Weeks - 15 Months
• Late / Rollover Fees: None
• Interest Range: 14% - 28%
• Equivalent Monthly Interest: 1% - 21%
• Equivalent APR: 15% - 260%

Borrowers are required to cover any bank transaction fees associated with repaying the loan. Standard SMS and data charges by your mobile carrier may apply.
Your loan offers are automatically determined by a number of factors. Even though it may not always increase immediately, it will increase over time as you continue to make all of your repayments as scheduled.
Each loan amount is automatically determined by our systems each time you repay based on a number of factors. We encourage you to keep making your repayments as scheduled to increase your loan amount.
There are several ways to repay a Branch loan.
  1. In the Branch app with a debit card. Tap here for instructions.
  2. For GT Bank accounts only, in the Branch app via USSD. Tap here for instructions.
  3. In the Branch app with a bank account. At this time not all banks are supported. Tap here for instructions and to check if we accept in-app payments from your bank.
  4. With cash at a GT Bank branch. Tap here for instructions.
If you are having trouble with repayments please retry or contact us by using the chat feature in the app.
  1. From 'My Loan', tap the round 'Tap to Pay' button.
  2. Select the Amount you wish to repay.
  3. After you have made your selection, tap 'Continue'.
  4. On the 'Select Repayment Method' screen, select 'Debit Card' from the drop-down menu.
  5. Add your Debit (ATM) card details:
    1. Card Number (16 or 19-digit in front of your card)
    2. Card Expiry Date (Month and Year in which your card expires)
    3. CVV (a 3-digit number at the back of your card)
  6. After you have filled in the details, tap 'Continue'.
  7. Choose your auto-debit setting under 'Payment Options' and tap 'Continue'. Tap here to learn more about auto-debit.
  8. To secure your payment, some banks will ask for your pin or send a security code to your phone.
  9. Your payment is done. If successful, your account will be updated automatically within a few seconds.
Please note that no fees will be charged to you for this transaction.
You can repay your loan in cash at any GT Bank branch using GTCollections and you do not need a GT Bank account to make your payment. At the bank, make a payment with the following steps:
  1. Tell the teller you would like to pay 'Branch International Financial Serv Ltd' using GTCollections.
  2. Fill in your personal details on the deposit slip
  3. Find your "Reference ID" in the Branch app by clicking "Tap to Pay", selecting the amount you wish to pay, and selecting "Cash" from the "Repayment method" dropdown
  4. Add your "Reference ID" to the deposit slip
You can select any amount up to the total amount due on your loan. If accepted, your repayment will reflect on your Branch account immediately. A bank charge of ₦100 will apply.
In order to repay with a GT Bank account, you must have a GT Bank account on file with Branch. To add a GT Bank account, go to the 'My Account' screen and tap 'Edit' next to 'Bank Account' and then tap 'Add Account.'
  1. From 'My Loan', tap the round 'Tap to Pay' button.
  2. Select the Amount you wish to repay.
  3. After you have made your selection, tap 'Continue'.
  4. On the 'Select Repayment Method' screen, select 'USSD - GT Bank' from the drop-down menu and tap 'Continue'.
  5. Confirm your repayment.
  6. You will see a screen with instructions to 'Complete USSD Payment'. Tap the 'Dial' button to open your phone dialer.
  7. Press the call button in your dialer to dial your unique USSD code.
  8. Your payment is done. If successful, your account will be updated automatically within a few seconds.
Please note that no fees will be charged to you for this transaction.
We currently support the following banks for in-app repayments: ALAT by Wema Bank, First Bank of Nigeria, Sterling Bank, United Bank for Africa, and Zenith Bank. If your bank is supported, you can make an in-app payment by following the instructions below:
  1. From 'My Loan', tap the round 'Tap to Pay' button.
  2. Select the Amount you wish to repay.
  3. After you have made your selection, tap 'Continue'.
  4. On the 'Select Repayment Method' screen, select 'Bank Account' from the drop-down menu.
  5. Choose the 'Bank Name' and enter your 'Bank Account Number', then tap 'Continue'.
  6. To secure your payment, some banks will ask for your Date of Birth and/or send security codes to your phone. You may also be asked to enter two different security codes on your first payment for security purposes; it does not mean you will be charged twice.
  7. Your payment is done. If successful, your account will be updated automatically within a few seconds.
Please note that no fees will be charged to you for this transaction.
Auto-debit makes repaying your Branch loan easy! Tap the 'Tap to Pay' button on the 'My Loan' screen in the Branch app to initiate a payment. Add a new debit card or use an existing card to make a payment, and ensure that auto-debit is turned on. When the payment succeeds, eligible cards will be debited automatically at each subsequent repayment date.
Branch supports most MasterCard and Visa cards for auto-debit as long as there are sufficient funds in the account. At this time, Verve cards are not supported for auto-debit, but can be used for individual payments.
If you want to repay the loan in one payment, we advise that you do it on your first repayment date to make sure that you are not late on any of your loan repayments. Kindly note that you cannot skip your first three repayments and pay the whole loan on the last due date as this will negatively affect your future loan amounts.
To view your repayment information, kindly click on the menu on your top left and select “My Loan”. You will be able to see your installments, due dates and the amounts due on those dates.
Depending on the loan size you select, a monthly repayment option is available. Click on the blue arrow below “Select Terms” to choose between weekly or monthly payments prior to requesting the loan.
Repayments can take up to 24 hours to reflect. If it has been over 24 hours since you made your repayment and it hasn't reflected, kindly send us the transaction confirmation message you received when you repaid your loan to our email address. We will follow up and update your account. If you made your repayment through the cash deposit option, kindly send the deposit slip and payment receipt that you used to make your repayment to nigeria@branch.co and title it as 'LOAN REPAYMENT'. This will help us trace your repayment and update your account.
We strongly encourage you to repay your loan on the dates available on “My Loan” to increase your loan offer amount.
If you overpay your loan, the overpayment is credited to your account and used as part or full repayment, depending on the amount, on your next loan.
The account did not have sufficient funds to cover the transaction amount at the time of the transaction. Kindly fund your account with sufficient funds and re-initiate the transaction by pressing 'Tap to Pay'. If you do have sufficient funds in your account, kindly ensure that the ATM card that you are using to repay your loan is not linked to more than one bank account type (for example, a savings account and a current account). If the card is linked to multiple account types, kindly transfer the funds to the other account and try the transaction again.
Paying each installment by its due date is important to build your credit score and increase your loan limit. Late repayments will affect your ability to get subsequent or larger loans. If you are very late on your payments, we may report to the National Credit Reference Bureau (CRB). Being listed with the CRB will block you from getting access to loans from other lenders and may also affect your ability to get a job with certain employers. Conversely, if you repay your loans as on or before the scheduled dates, you will gain access to larger loan amounts over time.
Unfortunately, Branch cannot alter your repayment schedule after you've received a loan. If you are unable to repay the full amount due, we advise you to start making partial repayments as soon as possible.
A Credit Reference Bureau (CRB) collects credit information on individuals and provides repayment performance data to banks, lenders, and other businesses. CRBs help promote financial inclusion and prevent over indebtedness.
Get your unique referral code here and share with as many friends as you’d like. After a friend downloads the app, make sure they enter your code on our “Promotions” page. Once they repay their first loan you will receive a bonus. Bonuses are automatically deducted from the amount of principal you owe on your next loan. Kindly note that your friends must enter the code on their promotions page before fully repaying their first loan or you won’t receive your bonus. By participating in the referral program you agree to the Branch Referral Program Terms and Conditions .
Please advise the person who invited you to Branch to send you their promotion code, which is what you will enter in the “Promotions” page. If you were not invited by anyone or you have already repaid your first Branch loan, the code will not be applicable. Kindly copy the code and paste it in the Promotions page.
Go here. From there, you can message the person you want to invite. Your friend should then be able to click the link in the message they receive to download the app.
Bonuses are automatically deducted from the amount of principal you owe on your next loan. Kindly note that your friends must enter the code on their Promotions page before fully repaying their first loan or you won’t receive your bonus.
You can check your balance here. Click on “Review your bonuses” to see your balance for credits received.
In order to receive the credit, kindly ensure that the person you invited registers your code on their account before they finish repaying their first loan.
To edit your personal details, click on this link My Account or go to “My Account” and click “Edit” under “Personal Info”.
If you are having trouble validating your contact number, write to us through “Customer Care” in the app. We will resend the validation code to you.
To know your BVN, dial *565*0# from the phone number linked to your bank account. Please note that your provider may charge N20 for each check.
If you would like to delete your account, please make sure that you do not have an active loan and then write to us in the app chat with your request. After your account has been deleted, you will have to send a mail to nigeria@branch.co to contact us.
We use world-class data security and encryption techniques to protect the data you share with us. Branch never shares your information with third parties. We do not sell your data or credit profile.
Branch uses your BVN to ensure your account belongs to you, and so no one else can apply for a loan using your account. Your BVN does not give Branch access to your account. We understand that this is very sensitive information and take our customer privacy very seriously. If you have additional concerns, please contact your bank or the Branch customer service team.

To know your BVN, dial *565*0# from the phone number linked to your bank account. Please note that your provider may charge N20 for each check.
Branch uses data from your phone, including your handset details and financial transaction messages to make lending decisions. These data are a crucial part of our decision making process, and allow us to provide seamless and efficient financial services.
In your Android Phone, kindly go to Settings > Apps > Branch > Permissions and make sure that you have enabled Branch to access everything requested.