Branch cash advance app review
- Max. Amount
- $1,000
- Turnaround time
- Within 3 business days, instant with delivery fee
Our verdict
Fast payments and up to 50% of earned wages before payday.
Branch is an employer-sponsored instant payment app that offers flexible payment options to workers and access of up to 50% of wages before payday. However, Branch has a history of negative reviews on Better Business Bureau and Trustpilot.
Best for: Employees who want free, instant access to a portion of wages before payday.
Pros
-
No fees
-
Access up to 50% of wages before payday
-
Multiple payout options
Cons
-
History of negative reviews from Better Business Bureau
-
Only accessible if your employer uses Branch
-
Customers report difficult experiences with customer service
What makes Branch shine?
One of the main appeals of Branch for employees is that they offer access up to 50% of your earned wages before payday. Plus you’ll have multiple ways to receive payments like digital debit cards, instant payments, contractor payments, and more. Branch is unique compared to cash advance services because it works directly with employers to provide flexible options for workers to access their earnings.
Where Branch falls short
The biggest drawback with Branch is its negative reputation on reputable sites like Better Business Bureau and Trustpilot. Although it has positive reviews on the Apple App Store and the Google Play Store, its long history of negative reviews makes us hesitant to recommend them as a reliable option. Users report that despite having negative experiences with Branch, they were stuck using them because their employer uses their payment services.
Branch details
| Product name | Branch App |
| Min amount | Not stated |
| Max amount | Up to 50% of paycheck, up to $1,000 |
| Loan term | Varies |
| Turnaround time | Within 3 business days, instant with delivery fee |
| Costs | Free |
| Requirements | Must be connected with employer |
Other features
In addition to cash advances and no wait payment options, Branch also offers a digital banking account to employees, tipping options, cash back rewards, personalized spending insights, and more.
How to qualify for Branch
Here are some requirements to qualify for different benefits at Branch:
- Your employer must use Branch to pay employees
- Wage access and payment details depend on methods chosen by your employer
Branch reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | B |
| BBB customer reviews | 1.3 out of 5 stars, based on 16 customer reviews |
| BBB customer complaints | 78 customer complaints |
| Trustpilot Score | 2 out of 5 stars, based on 129 customer reviews |
| App Store Score | 4.7 out of 5 stars, based on 58,500 customer reviews |
| Google Play Score | 4.4 out of 5 stars, based on 32,173 customer reviews |
| Customer reviews verified as of | 17 June 2024 |
Negative reviews from BBB and Trustpilot report difficulty communicating with customer service, issues with money transfers, and a limited mobile app experience. On the other hand, positive experiences from the app stores for Branch no wait pay reports seamless early-payment features and an easy-to-use app.
Is Branch legit?
Despite mixed reviews Branch seems to be a fully functioning cash advance app that uses website encryption and data security to protect users information. It also claims it does not sell your data or credit profile to third parties, a huge perk in this industry.
Compare Branch to other apps
Compare even more cash advance apps to find the right one for your lifestyle and budgeting needs. View maximum loan amounts, turnaround times and applicable costs and fees.
Frequently asked questions
How do I contact Branch support?
For the quickest response, Branch advises to contact their live chat support. Users can also visit the Support section in the Branch app. Or you can call Branch Support at 866-547-2413
Branch is not currently available on Finder
Have you considered EarnIn?
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
- Borrow up to $750 per pay period
- No credit check
- No monthly fees or interest
Gabriel Finder
Writer
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Joshua Finder
November 19, 2019
Hi Wanda,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
If you’re referring to Branch Pay Advance, I’m afraid they don’t offer payday loans for pensioners. Instead, they offer an interest-free advance on wages already earned by the hourly workers.
You may check our pensioner loans guide. It provides information on the types of pensions considered by lenders and how to apply for a loan on a pension.
On the same page, you will also see a table that allows you to compare personal loans you may be able to apply for while on pension. Simply specify your state of residence and that table shows you your options. You can then compare based on APR, minimum credit score, and max loan amount. After you’re done comparing your options, you can then click on the “Go to site” green button to learn more.
Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua
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Wanda
November 19, 2019
Do you offer payday loans for pensioners?