Branch Microfinance Bank Personal Loan: Product Details & How to Apply

Rates available from as of 1st April 2021
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Branch Microfinance Bank

Unsecured Loan
Easy Apply
Ksh250 - 100k
2 months - 11 months
Interest Rate
Total Cost Including Institution's Other Fees
22% - 199% per loan
Typically approved within 24 hours
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Easy Apply

Loan Type

Unsecured Loans

Total Cost Breakdown (Loan Fees):

  • Interest Minimum: 22%
  • Interest Maximum: 199%
  • Processing fee: None
  • Insurance Fee: None
  • Withdrawal Fee: None
  • Late Fees: None
  • Other Fees: None

Disbursement Details:

  • Institution Type: Digital Credit
  • Application Method: App Based
  • Disbursement Method: M-Pesa

Repayment Details:

  • Repayment Frequency: Monthly
  • Early Repayment: Not encouraged
  • Repayment Method: M-Pesa

Eligibility Requirement:

  • Smartphone: Required
  • CRB: Must be in good standing
  • Income: No Minimum
  • Employment: Not Required
  • Network: M-Pesa customer
  • History: Not required
  • Documents: National ID
  • T&C Links

Example Representative Pricing

  • Loan Amount: ksh100,000
  • APR: 199%
  • Loan duration: 11 months
  • Estimated Monthly repayment: ksh20,346
  • Estimated Total repayment amount: ksh223,804

This product is provided by Branch Microfinance Bank. Branch Microfinance Bank is a Deposit-taking Microfinance Bank licensed under the Microfinance Act No. 19 of 2006  and regulated by the Central Bank of Kenya.

How to Apply

Money254 Review


  • Formal Employment not required
  • Fast approval time (Less than 24 Hours)
  • No late Fee charges    


  • Large difference in Loan APR rates makes it difficult to understand your  charges (22-199% APR)
  • Early repayment not encouraged
  • Facebook account details needed for registration

See more Personal Loans available in Kenya on Money254

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How to Apply for Branch Loan, App, Repayment, Fees, Contacts

Branch is a personal finance application founded in 2015 that provides instant loans with no physical documentation. It offers loans from a minimum of Ksh250 to a maximum of KSh100,000 through its android application. It’s run by Branch International, a Silicon-Valley based fintech start-up company.

Loans are accessible through their application which, with over 10 million downloads in its Indian, Kenyan, Tanzanian, and Nigerian markets, can be downloaded from Google Play Store.

Who Is Eligible For Branch Loans?

Loan Limits and Interest Rates

How to Register Using the Branch App

How to Apply for Your First Branch Loan

How to Make Branch Loan App Repayments

Fees and Penalties

Privacy and Permissions

Branch Loan App Reviews

Branch Loan App Contacts

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