1.37M reviews
Content rating
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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.


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


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


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We're always excited to hear from you! If you have any feedback, questions, or concerns, please e-mail us at Kenya@branch.co 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.
Updated on
Feb 13, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Files and docs, and App info and performance
This app may collect these data types
Location, Personal info and 8 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

1.36M reviews
John Waweru (Mwalimu)
February 9, 2024
I consider branch as one of the best finance platforms available. It's user interface is not only easy to use but portrays solid and stable approach. Highly recommended. The period of payment is very flexible for diverse needs. The amount given for first time borrowers is also fair. No other bank rewards you for using the app. No other bank gives you cash back for every purchase of airtime. No other bank guarantees increasing loan offer every time. No harassment at all. Great customer service.
2,702 people found this review helpful
Joshua Nuhu Lowland
February 1, 2024
The app is really great and user friendly with great features for easy navigation. But am finding it difficult to do transfer to the new account number on my first attempt. It keeps telling me to verify my bank details after doing so, its still not responding. Now the money I transferred is yet to reflect in the account. Kindly check and fix please.
552 people found this review helpful
Rahul gorai
January 18, 2024
I took loan in the month December and I cleared the payment before the due date in the month of January. But still it's showing on the app and that the loan is still open and it's impacting my cbill. They say we can check Cbill on their App but it's incorrect data. I would never recommend anyone using this. I have been following it up from so many months but the issue is still not resolved
1,348 people found this review helpful
Branch International Financial Services Limited
January 19, 2024
We regret the unpleasant experience you had with us. Thank you for bringing this to our attention. We would like to investigate this issue. We report all loans to CIBIL on a monthly basis. In case you are seeing any discrepancies, please download the latest report and reach out to us via Branch in-app chat or email us at india@branch.co.-AM

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.