Branch - Digital Bank & Loans

Branch International Financial Services Limited

About this app

Save and transfer money on the Branch wallet and pay your bills instantly

Personal loans range from Ksh 500 to Ksh 300,000

Tenure: 62days to 1 year. Interest rates range from 2%-18% depending on the risk profile of the customer.

Example: Borrow Ksh 10,000 at APR of 196% (per annum) with tenure of 62 days
Interest = Ksh. 10000* 196%/ 365 *62 = Ksh. 3260

Total amount disbursed will be Ksh 10000
Total amount to repay will be Ksh 13260 (Ksh 10000 + Ksh 3260)
Two monthly payments of Ksh 6630
Some customers may be charged a late fee.

Branch is now more than just a mobile loan app.Now you can save money, make transfers from Branch wallet, pay your bills and get instant mobile loans from the Branch App.

Personal loan rates and fees

Loan Amounts: Ksh 500 to Ksh 100,000
APR/Interest rate: 20%-211% (Monthly interest: 2% to 18%)
Processing fee: None
Onboarding fee: None

Terms: Depending on your loan amount for which you are eligible, you have the option to choose repayment terms of up to 1 year. Every loan amount we offer has the option to repay in a minimum of 62 days.

BRANCH IS NOW BRANCH MICROFINANCE BANK

The Branch MFB app lets you apply for personal loans on the go.
* No paperwork, collateral or office visits needed
* Easy access 24/7
* Quick and easy sign up
* Use your money the way you want to -- for home or business
* Lower fees, and flexible payment terms as you repay

What is Branch MFB:
👉 Get instant loans -- no paperwork, collateral
👉 Make money transfers from Branch to MPESA and MPESA to Branch
👉 Pay bills without extra charges
👉 Save money on branch wallet and earn 15% interest (Kenya's highest rate)
👉 Withdraw your savings anytime

Save money: Branch MFB offers the best savings rates in the country and offers
👉 15% ROI per annum
👉 Weekly interest payment
👉 Option to withdraw your savings anytime or keep it for a fixed period

Got Questions? We provide world-class support for your financial needs, 24 hours a day. Message us within the app and receive an answer in minutes!

Branch personal finance app provides the following type of personal loans
- Medical Loans/Emergency Loans
- Home Renovation Loans
- Education Loans
- Travel Loans
- Wedding Loans
- Student Loans

SAFE AND SECURE LOANS

Branch app makes getting a personal loan simple by using the data on your phone including your SMS history to verify your identity and create a credit score. We encrypt the data you choose to share with us to protect your privacy. We take your privacy very seriously and promise to never s

FEATURED IN
https://kenyanwallstreet.com/branch-international-gets-nod-to-acquire-84-89-stake-in-century-microfinance-bank/

Financial Times - TechCrunch - Forbes - Bloomberg TV - Huffington Post - Wall Street Journal - CNBC Africa - K24 - KTN - KBC - Business Daily - Daily Nation - The Standard

CONTACT US

We're always excited to hear from you! If you have any feedback, questions, or concerns, please e-mail us at [e-mail] or find us on Facebook!

Follow us on Twitter: twitter.com/branch_co
Visit our website: branch.co.ke
For more information on Wallet and Bill Payments, see https://branch.co.ke/faq

Our Office Address
10th Floor, Reliable Towers,
Mogotio Road, Off Chiromo Lane,
Westlands, Nairobi.

Ratings and reviews

This is a very useful app. I love the experience, the rates are friendly. Definitely a must use. As at now 23/10/2025, I'm unable to make transactions because I'm told I don't have a wallet because of identity verification I have reached out to customer care, there's no response. it should be looked into immediately, it's frustrating

Very bad experience☹️, I have paid the full loan amount on time to increase my credit score and credit limit on this platform. But the second time I applied for my application was rejected for no reason, no reasonable response from the platform. They want to put me hold for 180 days? In emergency how can someone wait for 180 days?

The app has been unreliable in recent times and customer service terrible.Each time I buy meter credits for my prepaid meter, the transaction ends at "pending" whilst the money is debited from the wallet.The credit token isn't sent and you have to send emails before you get what you paid for in a day or two.The chat box has become useless and your complaints are left unattended to.Other times, transfer transactions also end in pending with the transfer being completed later on.Do better.

What’s new

Better than your bank - we've totally redesigned our app to help you manage your finances on the go. Update now to see our sleek new design and get access to new products and features.

If you like the new update, share the love by leaving a 5-star review and inviting your friends. Have feedback? Let us know by messaging Customer Care in the app.