How to Repay Branch Loan in Nigeria [Online & Offline]

  • November 19, 2023

Although Branch loan repayment condition is not strict, for newbies, how to repay Branch loan can be a little bit complicated.

It is not a secret that with just your BVN and some basic qualification requirements, you can get an instant payday loan from the Branch app since they don’t require any collateral.

Since you can get loans within minutes on Branch, so you can repay your branch loan in minutes.

Do you want to know how then keep reading for I’ll show you how to repay Branch loan by yourself in five fast and easy ways? 

Are you ready? Then, let’s get started!

Repaying Branch Loan

Even though getting a loan on Branch is super easy with flexible conditions, you obviously can’t get away without repaying your loans.

Therefore, before applying for a loan on Branch, it is advisable you read their repayment terms and conditions.

Repaying a Branch loan is very flexible especially as you have the choice to pick a preferred repayment method that suits you.

Yes, Branch offers multiple loan repayment options that you can choose from to easily pay your outstanding loan.

In fact, you have the option to repay your Branch loan offline.

Anyways, let’s see how to repay Branch loan both online and offline in fast and easy ways.

Read Also: How to Repay Fairmoney Loan

How to Repay Branch Loan

The following is a step-by-step guide on how to repay Branch loan.

  1. Open the Branch app on your phone.
  2. Click on “Loans” at the bottom.
  3. Click “Make a Payment”.
  4. Now, choose from the available repayment options that includes:

Branch Wallet

The first and most recommended method to use in repaying your loan is the Branch app.

Since Branch is a finance app where you can save and invest money, you can use the available fund in your wallet to repay your loan.

This can be done by simply selecting the option for “Wallet”, then clicking Continue, selecting “Total Due” for full loan repayment, or selecting other amounts to enter the amount you intended in repaying.


USSD method is one of the repayment options you’ll see on the Branch repayment option list.

To use this method, just click on “USSD – Guaranty Trust Bank (GTB) in the drop-down menu of the repayment options, then click “Continue”.

Now, proceed by clicking Continue, and select “Total Due” for full loan repayment or select other amounts to enter the amount you intended in repaying.

Please take note that the USSD repayment method only works with GT Bank accounts only.

Related: USSD Code for Loan in Nigeria

Bank Transfer (Mobile App)

You can also repay your loan on Branch using your Bank’s mobile app to transfer the fund owed.

All you just need to do is take note of the bank name, then copy the provided account number and paste it into the transfer tap of your bank’s mobile app to make payment.

With Debit Card

You can also pay back your Branch loan by using your Debit Card. In other words, Automated Teller Machine Card (ATM Card).

This can be done by clicking on the “Debit Card” option in the drop-down menu and entering your ATM card number, expiry date, and CVV number.

Then, proceed to make a payment which will be deducted instantly from your bank account.

Related: How to Get a Loan without ATM Card in Nigeria

Cash Deposit at Bank

If you’re a GT Bank customer seeking how to repay Branch loan at the bank, offline, or with cash, here’s the perfect solution for you.

You can also pay your loan with cash or bank deposit at any GT Bank branch.

All you need to do is to visit a GTB branch with your full loan payment and fill the deposit fund with your reference number that you’ll get from the Branch app.

See Also: How to Repay Carbon Loan

Branch Loan Repayment FAQs

Can I pay my Branch loan before the due date?

Yes, you can repay your Branch loan before the due date. In fact, it is really advisable you repay your loan before the due date so as to get a reduction in interest, and also a good credit score.

What happens if I don’t pay my Branch loan?

If you don’t pay your Branch loan on time, Branch will keep increasing your interest rate every day.

More so, you’ll keep getting calls from Branch, urging you to repay your loan.

How long does it takes to repay Branch loan?

You can repay your branch loan from the day you received the loan as well as through your loan duration period.

How do I pay back my Branch loan early?

You can pay back your loan on Branch via Bank deposit, USSD, Bank transfer, and/or your debit card (ATM card).


With a wide range of repayment options, I believe by now, how to repay Branch loan shouldn’t be something to worry about anymore since you’ve read this article.

If you still have questions concerning this topic, please feel free to use the comment box below.