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Branch Loan App Kenya Review: A Complete Guide to the Neo-Bank Transforming Digital Lending

The Branch Loan App is one of Kenya’s most established neo banks and mobile loan apps, offering instant digital financial services ranging from quick loans, money transfers, bill payments, to savings and investment products. With millions of users globally and over 1 million downloads in Kenya, Branch continues to be a trusted name for reliable online credit and easy mobile banking.

Branch operates fully online—no paperwork, no collateral, and no branch visits. All you need is a smartphone, an M-PESA number and a few taps to access up to KSh 300,000.

Branch Loan App Kenya
Branch Loan App 

Read Also; How to get loans from ZKPesa Loan App Kenya 

What Is Branch?

Branch is a mobile neo-bank and digital lending platform available on Android. It combines traditional banking features with instant mobile loans, allowing users to:

  • Borrow money instantly

  • Send/receive money

  • Pay bills

  • Buy airtime

  • Save and earn interest

  • Manage finances digitally

This makes it a full-service digital bank, not just a loan app.

⭐ Key Features of Branch

🚀 Fast Mobile Loans

  • Loan amounts: KSh 1,000 – KSh 300,000

  • No collateral or paperwork

  • Approval within minutes (often under 10 minutes)

  • Disbursement via M-PESA or Branch Wallet

💸 Mobile Banking & Money Transfers

  • Send money to M-PESA, Pesalink, or bank accounts

  • Receive money into Branch Wallet for free

💡 Bill Payments & Airtime

  • Pay electricity, water, TV, and internet bills

  • Buy airtime instantly at competitive rates

💼 Savings & Wallet

  • Save money in the Branch Wallet

  • Earn attractive interest

📱 Seamless App Experience

  • Quick download

  • Simple sign-up

  • Real-time approval

  • Encrypted, secure transactions

Branch operates 100% digitally and is recognized for fast payouts and industry-leading approval rates.

Loan Terms & Charges

Branch offers flexible loan terms suitable for different needs—from emergency loans to business financing.

📊 Loan Amounts

KSh 1,000 to KSh 300,000

📈 Interest Rates

  • APR: 20% – 211%

  • Monthly interest: 2% – 18%

💼 Fees

  • Onboarding Fee: None

  • Processing Fee: 6% of principal

⏳ Repayment Duration

62 days to 1 year, depending on loan type and customer risk profile.

Example Loan Calculation

Loan: KSh 10,000
APR: 196%
Tenure: 62 days

Interest =
10,000 × 196% ÷ 365 × 62 = KSh 3,260

Total repayment:
10,000 + 3,260 = KSh 13,260

Repayable in two monthly instalments of KSh 6,630.

Note: Late fees from the bank may apply for overdue payments.

⭐ Types of Loans Available on Branch

Branch provides one of the widest portfolios of personal digital loans in Kenya:

🏥 Medical & Emergency Loans

For hospital bills and urgent needs.

🏡 Home Improvement Loans

For renovations, upgrades, or repairs.

🎓 Education Loans

For school fees, college expenses, or courses.

🌍 Travel Loans

Finance trips without financial strain.

💒 Wedding Loans

Cater for wedding purchases, bills, and planning.

📚 Student Loans

Flexible loans targeted at learners.

💼 Business Loans

Support working capital, float purchase and business expansion.

How Branch Works – Step-by-Step

1. Download the App

Available on Google Play Store.

2. Sign Up

Register using your phone number.

3. Apply for a Loan

Choose your loan amount and tenure.

4. Receive Funds

Money is sent instantly to M-PESA or your Branch Wallet.

5. Repay on Time

Timely repayment increases your credit limit.

6. Use Other Banking Services

Send money, pay bills, save, buy airtime — all in-app.

Why Branch Stands Out as a Neo Bank in Kenya

  • Acts as a full digital bank, not just a lending app

  • Offers saving products, something many loan apps do not provide

  • Has a Branch Wallet similar to a mini mobile bank

  • Provides higher loan amounts (up to KSh 300,000)

  • Trusted by millions, with strong brand recognition

  • No hidden fees; everything is shown upfront

Branch vs Other Licensed Digital Lenders in Kenya

Below is a simplified comparison with other CBK-licensed loan apps stored in your memory, including ZK Pesa, PesaIn, FairKash+, Choice Sasa, Beta Pesa, Loop Pesa, and Tala.

Feature / App Branch ZK Pesa PesaIn FairKash+ Loop Pesa Tala
CBK Licensed ✔ ✔ ✔ ✔ ✔ ✔
Loan Amount 1,000–300,000 2,000–40,000 2,000–80,000 2,000–50,000 6,000–40,000 up to 50,000
Tenure 62 days – 1 year 91–365 days 91–365 days 91–365 days 100–300 days flexible
APR 20%–211% 12%–36% 12%–34% 12%–34% 13%–29% varies
Wallet/Savings ✔ ✖ ✖ ✖ ✖ ✖
Money Transfer ✔ ✖ ✖ ✖ ✔ ✖
Bill Payments ✔ ✖ ✖ ✖ ✔ ✖
Business Loans ✔ ✖ ✔ ✔ ✔ ✔
Maximum Limit Very High Medium High Medium Medium Medium

👉 Branch stands out as the most versatile neo-bank with the highest loan limit and more financial services beyond lending.

Is Branch Legit?

Yes. Branch International has been operating in Kenya for years and is one of the most trusted digital lenders globally.
It complies with Kenyan digital lending regulations and provides secure, encrypted financial services.

Branches, Contacts & Support

📧 Email: Kenya@branch.co
📞 Phone Contacts:

  • 0730731222

  • 0711955555

  • 0711082130

Social Media: Facebook, Instagram, X (Twitter), TikTok

Final Word: Should You Use Branch?

Branch remains one of Kenya’s most reliable and feature-rich digital loan apps — offering instant loans, savings, transfers, bill payments, and business financing all in one place.
If you want a neo-bank that gives more than just loans and supports fast, secure, paperless transactions, Branch is an excellent choice.

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Location: Kenya

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