1.66M 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:
๐Ÿ‘‰ Get instant loans -- no paperwork, collateral
๐Ÿ‘‰ Make money transfers from Branch to MPESA and MPESA to Branch
๐Ÿ‘‰ Pay bills without extra charges
๐Ÿ‘‰ Save money on branch wallet and earn 15% interest (Kenya's highest rate)
๐Ÿ‘‰ Withdraw your savings anytime

Save money: Branch MFB offers the best savings rates in the country and offers
๐Ÿ‘‰ 15% ROI per annum
๐Ÿ‘‰ Weekly interest payment
๐Ÿ‘‰ 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
Jul 10, 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

1.65M reviews
Meer Mubashir
July 5, 2024
Branch is amazing for disbursing loans immediately after clicking 'Apply'. I also like the idea of omitting the feature of breaking fixed savings, it makes one able to lock funds without any temptation to withdraw the funds before your target date. Their UI is also very smooth and well organized. It's the simplest and most secure way to borrow, save, and improve your financial health all from the convenience of your phone.
172 people found this review helpful
Salem Akindele-Rock (The General On Radio)
July 7, 2024
One of the best bank apps I've come across in Nigeria. It's customer friendly, easy to navigate, prompt in responses and their interest rate is one of the most affordable I've come in contact with. Once you pay back on time, they're always ready to increase your borrowing limit and give you better repayment methods. I simply love Branch out of all the loan apps I've ever tried.
63 people found this review helpful
Samuel Akeem
May 23, 2024
Wow, Branch is amazing for disbursing loans immediately you click 'Apply'. I also like the idea of omitting the feature of breaking fixed savings, it makes one to be able to lock funds without any temptation to withdraw the funds before your target date. Thier UI is also very smooth and well organized. But there should be improvement on their settings flexibilit