In this guide

  • Our verdict
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure
Max. Amount
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.


  • No fees
  • Access up to 50% of wages before payday
  • Multiple payout options


  • History of negative reviews from Better Business Bureau
  • Only accessible if your employer uses Branch
  • Customers report difficult experiences with customer service

In this guide

  • Our verdict
  • Ask a question

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 nameBranch App
Min amountNot stated
Max amountUp to 50% of paycheck, up to $1,000
Loan termVaries
Turnaround timeWithin 3 business days, instant with delivery fee
RequirementsMust 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.

Name Product Filter Values Max. amount per pay period Turnaround time Costs
Finder Score: 4.7 / 5: ★★★★★
Up to $750 per pay period, but only $100 per day
1 to 3 business days or instant for a fee
Free to use or instant with a fee as low as $3.99.
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Chime SpotMe®
Finder Score: 4.2 / 5: ★★★★★
Chime SpotMe®
Up to $200
No fee
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Finder Score: 4.1 / 5: ★★★★★
Up to $250
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
$5.99 monthly membership fee to access cash advances
Automatically monitor your spending plus access cash advances up to $100 at a time.
Not rated yet
Based on the amount of accrued PTO
Up to 5 business days for approval and 5 business days for funding, or instant for a fee
No membership fee
Tap your unused PTO for a cash advance so you can access that money early. Available in : CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
Borrow up to $100 to avoid hefty overdraft 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

Ask a question

Ask a question

Gabriel Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.



November 19, 2019

Do you offer payday loans for pensioners?


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!



Show more Show less
Go to site