1.53M reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

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


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


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 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

1.52M reviews
Manoj Choubey
March 16, 2024
Nice app! Because of its easy-to-use UI and practical payment alternatives, I adore this app. However, in order to handle larger transaction amounts, I would like to propose including a prepaid credit limit mechanism. I also like how easy and quick the transactions were that I had on my first app use. But I think there's potential for improvement, like having an emergency contact option and letting people change their personal details, like their birthdate. I had a great experience overall.
1,365 people found this review helpful
Akhilesh Kumar
April 16, 2024
it's frustrating to see the app. smooth onboarding, easy to use interface and an overall good appearance. I've been eagerly the deposit money features for about 07 months now. However, in this latest update and reinstalled, they completely ruined it. Instead of adding the feature, they deleted the existing deposits from the money, it was easy to add fund too now it's impossible to create or add new ones. clicking the plus button on the deposit doesn't helpful. Please fixed this technical issues.
781 people found this review helpful
Branch International Financial Services Limited
April 17, 2024
We are sorry to hear this. Please write us via in-app chat or send us an email to india@branch.co so that we can investigate it. Please do not forget to mention your Branch registered phone number when you send us an email. We would love to see you enjoy our services.-SK
Chukwualuka Emmanuella
April 13, 2024
The interest rate is low and they allow you to choose your repayment date.. Branch is still the best loan app trust me.. For those saying there is no withdrawal button, it's true all you have to do is click on transfer at the downside then you can withdraw or transfer to Any account of your choice. Again for those saying it shows you can't borrow a loan after repayment, guys click on it and allow them to verify.. Meehn I am giving it up for BRANCH loan app!!! Happy me saying Kudos guys!!! 💪✌️🎉
499 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.