Does Branch Loan App Call Contacts or Send Messages to Contact for Late Payments


I have seen many loan app flooded the Internet claiming people can borrow money instantly and without collateral but there are still few ones that are recommended, registered and real in which a good example of such loan app is Branch loan app. I have been using Branch loan app myself and the experience is wonderful. Although their interest rate might be somehow a bit high but it’s better than other loan apps that operate unprofessionally. 

Will Branch app disburse money fast? Like I said earlier Branch app is fast in disbursement of loan and they require no collateral but just your BVN number and few verification questions to make you qualify for their higher amount of loan. 

Will Branch app call my contacts or send messages incase of late payment of loan? I receive this question from on of our readers who’s been following some of our topics on loan also on some of the legit, registered loan apps that won’t defame your character. The quick answer to this is that Branch loan don’t call contacts or will not send messages to your Whatsapp contact list even if you are late in Payments or owing them but they will only be adding a small amount of money till you are able to pay which also stops.

Branch loan will only do their bed to continue to call you to remind of your loan even if it’s late but not like calling your phone contacts and telling people all sort of things about you. The truth is that Branch loan app is a registered loan app that offer quick loan and instant loan with no collateral or guarantors.


From me to others users of branch loan app, I have not seen Branch loan app operate like the other desperate loan app that want to claim their money the hard way but they will like to know who you are, the purpose of loan, where you work or nature of business and one or two persons they can call as a backup for you. I myself have borrowed money from Branch and enjoyed this loan app.

Let me pick point few other features of Branch loan app

Branch loan app was among the oldest loan app that gives money for longer loan term. The lowest you can get on Branch loan app is 30days loan period but if you consistent and you continued using the  Branch app with prompt repayment, you will be granted more longer period of loan repayment as well as higher loan to meet with your need especially when it concern business or family issues. 

Is Branch Loan app Legit? To start with, I will like to say that Branch loan app is very legit and good. Branch customer care act professionally in their loan operation and they act fast in responding to issues regarding your account. Branch loan app doesn’t offer a loan app of 7days or 14 but a longer period of one month, two months, 3month and to 6 months of loan repayment. This alone has made Branch app a legitimate loan app to borrow money from. They also have a physical office you can make enquiry or complain because they operate like microfinance bank. 

Does Branch loan app call contacts?  Like I said earlier that Branch loan app will not call your contacts for any either you default or not. But the truth is that they have your contacts information the first time you registered or seek a loan from them but still they don’t send messages or call your contacts. Although they can repeatedly call you to remind of you of your loan or other promotional offers but not for embarrassment like other loan like Deloan, kashkash, Lcredit or Sokoloan does. 

Do Branch send messages to contact list? Irrespective of the fact that Branch don’t calm your contacts if you default in payment or you made late payment, they don’t still send messages to your list even if they have the list. Be assured that Branch loan app won’t do all those funny and harsh repayment but that doesn’t mean you shouldn’t do the right thing by paying back your loan before it’s due. 

Can Branch loan block my Bvn? Branch loan is a registered loan app that don’t call your contacts or start calling your friends and families that you are a defaulter. Branch loan can’t block your BVN but the highest they can do is to report you to report you to credit bureau which might prevent you from getting further loan from commercial banks Incase you need any. But for BVN , carbon can’t Bock your Bvn because they are not the issuer of the bvn.

Read Also – Does Palmcredit call contacts or send messages to contact list

Can Branch app deduct money from my account? Yes they can. I have seen and heard various instance that people claim loan app withdraw money from their account. Branch loan app can deduct money from your account because you granted it permission to do from their terms and conditions. But Branch loan app will not deduct more than the amount of money you owing and only a few portion of the money will be deducted. And not that they will now make it a routine to start deducting money from your account for no reason like some app steals money from people’s account because they have access to their login information. 


These are the facts I gathered concerning Branch loan app is that Branch won’t call contacts or send phone numbers to contact list. We were able to provide the basic truth that Branch doesn’t call anyone’s contacts or defame in any form but they keep reminding you of your impending loan and if left unpaid over a long period of time, carbon will report you to credit bureau. 

Finally, Branch loan app is one of the few loan apps that operate in a good manner, Branch doesn’t harass you or they don’t probably involve in any form of harassment either from their customer care or loan recovery agents but that doesn’t mean you should continue to collect their loans and not pay back. If you have any suggestions or ideas feel free to use the comment box below so we can also gain from your experience or ideas. Thanks


1 thought on “Does Branch Loan App Call Contacts or Send Messages to Contact for Late Payments”

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  2. from my own little experience, Branch loan app is more like a bank and their operation is cool like fairmoney and carbon. Anything outside these ones are null

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