KreditBee vs Branch instant personal loan: 2026 permissions and complaints compared

KreditBee and Branch are both instant personal loan apps, but they differ in what they read on your phone and what goes wrong for users. Branch asks for fewer phone permissions, while KreditBee asks to read your contacts. Learn how their complaints compare and how to check their NBFC partners.

By Qrates research desk · 2026-10-27

At a glance

Feature	KreditBee	Branch Instant Personal Loan
Google Play installs	10 crore+	5 crore+
Recent rating (last 90 days)	3.85	3.21
Phone permissions requested	Read your text messages, Read your contacts	Read your text messages
Top user complaints (from 400 reviews)	Credit report problems (10), Recovery agent behaviour (8)	Nobody answers (19), Credit report problems (10)

What each app can see on your phone

KreditBee requests to read your text messages and read your contacts (Qrates directory). Branch requests to read your text messages. Branch does not ask for access to your contacts. For a deeper dive into how these compare, see our KreditBee vs Branch: Loan app fees, permissions and complaints compared analysis.

What users complain about most

We read 400 recent Google Play reviews for each app to see what goes wrong. For KreditBee, the top issues are credit report problems (10 of 400) and recovery agent behaviour (8 of 400). For Branch, the top issues are that nobody answers (19 of 400) and credit report problems (10 of 400).

Licences and the underlying NBFC

For both Finnovation Tech Solutions Pvt Ltd (KreditBee) and Branch International Financial Services Pvt Ltd (Branch), we could not match a licence on the registers we check. These apps act as platforms that connect borrowers to partner NBFCs. The RBI Digital Lending Directions and Key Facts Statement guidelines require the loan app to show the name of the RBI registered NBFC upfront (www.rbi.org.in). You must check this document to know exactly which NBFC is providing the loan money. Learn how to check if a loan app is RBI registered in 2026 to ensure your safety.

Who each one suits, by need

If phone privacy matters to you, note that Branch does not ask to read your contacts. If customer service responsiveness matters, note that 19 of 400 Branch reviews complained that nobody answers. If recovery tactics are a concern, note that 8 of 400 KreditBee reviews raised issues with recovery agent behaviour. You can also compare money apps side by side to see how other lenders stack up.

FAQs

Which is better KreditBee or Branch?

Qrates does not recommend products. We lay out the facts on permissions and complaints for you to decide.

Is Branch loan app RBI registered?

For the Branch app publisher, we could not match a licence on the registers we check. You must verify the partner NBFC providing the loan.

KreditBee loan app real or fake?

For the KreditBee app publisher, we could not match a licence on the registers we check. You must check the RBI registration of its partner NBFC on the Key Facts Statement.

Can I take a loan from KreditBee and Branch at the same time?

Applying for multiple loans at the same time results in multiple hard inquiries. This can lower your credit score (www.rbi.org.in).

The short version

KreditBee has more installs and a higher recent rating, but asks for contact permissions.
Branch asks for fewer phone permissions, but has more recent complaints about customer service unresponsiveness.
Both require you to check the partner NBFC for RBI registration.

Sources

Disclaimer

Qrates is an information directory. It takes no commission from any company listed and does not recommend products. Figures are taken from the sources named and dated, and they change; check the company's own page before you decide. This is not investment, credit, insurance or tax advice for your situation.