1.01M reviews
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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
May 31, 2023

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
Data can’t be deleted

Ratings and reviews

1M reviews
Abdulmumini Idris Momoh
April 27, 2023
Branch app is user friendly and reliable. But, I have been experiencing some difficulty in my loan application and approvals. This has never happened to me before. I have written to the customer's service desk through the app. I have updated my app and also allow access to my phone, sms, contacts, media etc. When I applied again, I still got a message from branch of insufficient information on my phone. I have sufficient information. Look into my issues and do the needful. Thanks.
776 people found this review helpful
Marcy Jerry
April 2, 2023
Branch is just the best... Though need more improvement on the loan offer. It's usually small amount. Please do something about it. Secondly, the idea of rejecting a customer's loan application because the person is owing another platform is a bad way of managing a business. You don't know what is the reason why the person defaulted, most of the online lending platforms make things difficult for the customers. As long as the person does well with your platform, you should be considerate.
951 people found this review helpful
Esther Wanjala Mutua
May 26, 2023
they are fast, honest and give you the money without too much ado with enough time to repay. if u delay you will be penalised so avoid reneging on yr loan. I delayed on a loan but stll got a lesser amount after one month. I still like this app and hope to save once i get out of the doldrums!! The app continues to be excellent. Fast, precise and low intrest without harassment. Thank you branch, keep the good work.! And you can save pole pole with interest credits to your savings. Fast n honest.
2,038 people found this review helpful

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.