Branch International Financial Services Limited is a leading mobile loan provider, granting Kenyans access to instant personal and emergency loans directly on their smartphones. With high approval rates of up to KSh 300,000 and an APR from 20% to 211%, Branch delivers solutions with no paperwork required. Loan terms are transparent—monthly rates range from 2% to 18%, repayment terms span 62 days to 1 year, and a one-off processing fee of 6% is applied.

How to Apply for a Branch Loan

1. Download the Branch app from the Play Store
2. Sign up using your mobile number and create an account
3. Select ‘Apply for Loan’, choose the desired amount and tenure
4. Submit your application and get instant approval
5. Receive funds instantly on MPESA or your Branch wallet

Key Benefits of Branch Loans

Branch stands out for its simple and streamlined application—no need for collateral or paperwork. Customers can move funds easily between Branch, MPESA, or bank accounts.

Besides quick loan access, you can pay bills, buy airtime, or send money 24/7 all within the same platform. The app offers a competitive saving option with interest paid on balances.

Potential Drawbacks

Some users have reported customer support delays, especially when experiencing app errors or delayed payouts. Processing fees and high maximum APR can significantly increase total repayment for repeat or long-term loans.

Additionally, certain transactions such as bill payments and wallet top-ups occasionally face delays during busy periods.

Our Verdict

Branch is an efficient and user-friendly choice for Kenyans needing urgent funds without hassle. Its instant disbursement, flexible terms, and all-in-one app features make it a convenient mobile financial tool. However, borrowers should consider the total cost of borrowing and repay promptly to avoid extra charges.