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Branch Loan App – How It Works And How To Make Money For Free

How to make money with branch referral program

Branch loan app is a mobile loan app in Nigeria that allows you to get an instant loan online without the need of collateral or any form of paper work. Above all, branch loan app allows you to make cool cash online.

Today, I have decided to reveal to you, all you need to know about the branch loan app, how it works and how to make Cool cash on the app without any form of investment.

About branch app

Branch app is a free digital bank for the best instant money loans, 20% Investment and transfers. It allows you to save money, invest money and get interest, and above all, allows you to get instant loan online without any form of stress.

Branch is much more than an instant loan app; it’s the one of the few apps in Nigeria that lets you make unlimited FREE transfers, invest to earn 20% returns and more. Since the lunch if the app, it has been able to generate over 20 million downloads.

Features of branch app

The app has multiple features that cannot be neglected and in this section, I will state all the basic features of the app and detailed overview on each features, so as to let you understand fully, how each futures works and have better understanding on the app.

Branch Loan

This is the basic features of the branch app and it can be referred to as the Primary function of the app, the app has been in existence for a very long time and it’s known for lending purposes.

The app allows you to take a loan online and get paid to your Nigeria bank account without flexible payment schedule, depending on your choice during the submission if the loan application.

Branch loan app interest rate

Personal Loans that are available on the branch loan app ranges from ₦2,000 to ₦500,000
Tenure: 62 days to 1 year. Monthly interest rates from 1.7% to 22% depending on the risk profile of the customer.

If the loan amount is ₦9000 & interest is 24% per annum with tenure of 2 months, The interest for 2 months would come out to be ₦360. The EMI per month would be ₦4680. This would translate to a maximum APR of 24%. The total cost of the loan will be ₦9360. The total amount paid back including everything at the end of the term will be ₦9360.

How branch loan interest rate is being calculated

On branch loan app, if you borrow a loan amount of ₦9000 and choose you loan tenure to be 2 Months, the interest Rate will be 24% per annum and the monthly interest rate is 2%, Processing Fee is zero.

At this point, the total Interest is ₦360 ( ₦9000 x 24% / 12 x 2 = ₦360)
EMI: ₦4680
APR: 24%
Loan amount is ₦9000. Disbursed amount is ₦9000 Total loan repayment amount is Rs. ₦9360.

Branch Loan characteristics

Loan Amounts: ₦2,000 to ₦500,000
Repayment periods from 62 days to 1 year
Monthly interest rates range from 1.7% to 22%
APR from 20% to 265% per annum

There are no additional fees for processing your loan or any hidden costs associated.

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Branch wallet

Branch wallet is another amazing features of the branch loan app, it allows you to save money on the app, withdraw to your Bank and as well transfer to all Nigeria banks without any fee. Imagine operating an bank account inform of online wallet and have the opportunity to make transfer without paying a dime as charges.

Rates and fees of branch wallet

As it has been stated in the previous part of this guide, to save, withdraw and transfer money using branch wallet is free of charge.

You will have the opportunity to make unlimited transfers for free

You will as well have the opportunity to earn ₦50 bonus for every deposits that is above ₦300.

branch Investment

Branch investment

Branch investment is a feature in the branch loan app that allows you to save money and get return on investment of 20% every month. This is another opportunity to ensure that your money works for you while you kept them save on the app.

Benefits of branch Investment

You will have the opportunity to earn 20% when you invest with Branch.

You will be able to make use of flexible investment, which allows you to withdraw your investment anytime.

Branch Bills payment

The bills payment is another feature of the branch app, which makes it feat to serve as a digital wallet and loan app at the same time.

With this feature, you will be able to buy Airtime, data electricity and as well pay for cable TV. This makes branch app an app with multiple features and you will be able to carry out a lots of transactions on the same app.

Branch referral – How to make money on branch app

Branch referral is another feature of the app that Allows you to make money without spending a dime.

This feature provide you with another great and complete guide on how to make cool and quick cash online without investment.
As it’s stated above, there is no doubt in making more than N50,000 Weekly with this app if you take it serious and follow the steps that is going to be provided in this guide.

Branch app requires no sign up fee or any activation fee  and they reward all user’s with N400 sign up bonus  and you will also get N1,500(Now N400) for each person you refer to the app successfully and which is the main reason that trigger this section.

The main purpose of this article is to show you how to make free and cool cash with the branch app referral program, but you can as well use it to take loan and payback within the stipulated period as it has been stated in the previous part of this guide.

Now let’s continue with the main purpose of this article.

Making money with this app is as simple as:

Copy this Promo code >>   adepoj5fe7e  you will strongly need to apply it after registration.

• Download the branch app.

• Register and go to promotion and apply my code   which is       adepoj5fe7e

• Take a loan that will be sent to your bank account immediately. And repaid the loan.

• Once you repaid the loan you Will be given a N400 sign up bonus.

• start referring friends and earn N1,500(Now N400) per friend that you referred.

If you have heard about this app before but you are yet to take and action, do now because the app is legit and paying their user’s very well.

If you think that you don’t need any additional information about this app just skip to the how it works section of this article and see the simple steps involved in making money with this app.

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If you need any help after reading this article you can send a direct message to the WhatsApp contact that is going to be provided after this guide for support.

Brief overview of branch app

Branch App is an international lending app which is not only accessible for Nigerians, the app is also accessible for people from Ghana, Tanzania, Mexico, Kenyan and others.

It’s a mobile application that grant loan without collateral and every process concerning the lending of the app can be carried out using your mobile phone which implies that no paper work is needed either with this app.

But today, this article will only expantiate on the referral program of this app and how you can create another source of income with this app.

On this app you will have access to a sum of N400 as sign up bonus and N1,500(Now N400) for Referral. Now imagine referring 10 people’s to the app, that is cool N15,000(now N4000) which will be paid directly to your bank account without story.

Below are the requirements for the registration:

• Internet connection.

• Working and a valid bank account.

• A promotion code and your promotion code is  adepoj5fe7e

• Branch app. Which can be downloaded here.

But before you download the app, it’s strongly recommended that you read how to go about the app so as to make your registration a successful one and the link to download the app will also be provided at the end of this guide.

Below are the step by step guide on how to go about this great offer:

Step 1: After which you have downloaded the app with the link that is provided that will be provided at the end of this guide, Then lunch/Open the app.

NOTE: If you are asked to enter promotion code/Referral code just type/copy and paste  adepoj5fe7e  in the space provided and if not just continue with the steps discussed below.

You can click here to copy the Promo code directly.

Step 2: you will receive a welcome message then click continue.

Step 3: Click on register new account and select “Register with phone number

Step 4: Enter your valid mobile phone number and an OTP will be sent to the phone, check your phone and enter the OTP to continue with your registration.

Step 5: Branch app will take some permission from your phone, click allow for all permission taken.

Step 6: You will be required to enter your details, just do that by providing the best and accurate details.

NOTE: Don’t be panic to provide any information demanded from you by the app as the app is registered with CBN and cannot use any information you provided to them in an illegal way

Step 7: They will ask you of where to send your loan, then enter your correct bank account details.

Step 8: Now they will take you to a page where you will be asked to apply for a loan of N1,000, don’t apply yet, firstly, go to promotion and apply this code =>  adepoj5fe7e   you can locate the promotion by clicking on the menu at the left top corner of the app as illustrated below.

Steps To Apply Promo code

You can copy the code  ==>   adepoj5fe7e   or write it somewhere just make sure you apply the code before requesting for a loan.

Step 9:Now go back to my loan and click on apply for a loan of N1000 then wait for like 5minutes and you will get the money deposited into your preferred bank account.

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Step 10: wait for money to Enter your bank account, then proceed to repay the loan, choose your preferred method of payment and N1,200 will be deducted from your account immediately the transaction is successful you will rceive a sign up bonus of N400 and that’s all you can now proceed to refer as many as possible tell them to use your code  and receive N1,500 cash for each Referral

Take note of step 8 very well it’s very important!

Now that you have understand how the app works, Click Here to download the app and start making cool cash just to refer.

Did you encounter any problem in any aspect of the app? Inbox browsingtechzone on WhatsApp via this contact ==>> 08128333856 for support. Or click here and clear the default message and type your request


Referral History
Branch Referral Program has been updated as at the moment of updating this guide and below changes has been applied;
1. The reward is now N650 for both parties and sometimes 300, depending on what your account is eligible for and this can only be determined by the branch team.
2. You don’t need to take a loan before getting registration bonus or referral bonus all you have to do to claim your bonus is to follow the number three below.
3. Complete your registration, add minimum of N100 to your wallet and you will get the registration bonus.
4. Registration bonus and referral bonus can only be withdrawn on Fridays.
However, if you have referred anyone before this modification and the person is yet to repay their loan, whenever the person repay the loan, you will still get your normal N1,500 as they are counted as old referrals, but henceforth, new referrals bonus is N500.
The sign up bonus is now N650/300this implies that the referee get N650/300 while the referral also get N650/300 bonus as well, which is still a great feat!
The Code on provided in this guide will reward you with N650 Registration bonus.
Branch app referral program

Where can I find my referral code and link

1. To get your promo code that can be used to refer others and earn, simply login to your chipper account and click on the reward button at the bottom right corner of the app.

2. Click on refer and earn (you will see how much you earn per referral on this page and what you get is what your referral also get).

3.  Click on the  invite invite friends button and share to your friends.

4. Tell them to apply your promo code appropriately during and after registration.

NOTE: Make sure that you apply the code ”    adepoj5fe7e   ” before you deposit the N100 ans after you deposited the N100

That’s all! I hope you found this article helpful, share your thoughts in the comment box below.

Branch Loan App contact number

If you have any issue on the app and will want to get it resolved very quick, the best option is to contact the branch customer care service and in this section, I am going to provide you with all the possible means to reach out to the branch loan app customer service.

If you have any feedback, questions, or concerns, kindly email email branch via [email protected] or find find branch on Facebook!

Branch social handles

– Twitter: twitter.com/branch_ng

– Instagram: @branch_ng

– Branch website: branch.com.ng

– Branch Office Address: 1 Sylvia Crescent, Anthony, Lagos, Nigeria


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  1. I added your referral code, but it’s not working… Even After I borrowed and paid them back.I wasn’t given any bonus.


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