Branch Instant Personal Loan vs Klarna: which loan app is safer
Branch Instant Personal Loan replies to 97% of unhappy reviews on Google Play, Klarna to 81%. Klarna does not read your SMS; Branch Instant Personal Loan does. Branch Instant Personal Loan does not read your contacts; Klarna does. Over the last 90 days of reviews, Branch Instant Personal Loan averages 3.21 and Klarna 3.04. The most serious complaint about Branch Instant Personal Loan is "Nobody answers"; about Klarna, "Pushed into things".
| Branch Instant Personal Loan | Klarna | |
|---|---|---|
| Most serious thing people report | Nobody answers (19 of 400) | Pushed into things (10 of 400) |
| Does anyone answer complaints | 97% of low-star reviews · usually same day | 81% of low-star reviews · usually same day |
| Rating in the last 90 days | 3.21 (down 1.40 on lifetime) | 3.04 (down 1.55 on lifetime) |
| Last updated | this month | this month |
| Reads your SMS | yes | no |
| Reads your contacts | no | yes |
| Shows ads | no | no |
| Numbers confirmed on a register | none published | none published |
| Charges we could source | not extracted yet | not extracted yet |
| Charges only in the terms | not extracted yet | not extracted yet |
How to read this
Every row comes from a public source: the app store listings, the reviews people left there, and the registers kept by RBI, SEBI and IRDAI. Where a row says "Not known", we have not measured it yet, which is different from the answer being no. Qrates takes no commission from either app.
Full pages: Branch Instant Personal Loan · Klarna