Branch loan app is a popular mobile loan app available in Kenya, India, Nigeria, and Tanzania and has over 10 million downloads and a 4.5 rating from over 640,000 reviews on Google’s Play Store, by the time of writing this article. Branch loan app offers loans from Ksh. 250 to Ksh. 100,000 in Kenya.

Your branch loan limit will depend on your borrowing history and risk profile.

New customers borrow loans and repay within 28 days and 62 days. As you build your credit history, the borrowing period is adjusted up to 52 weeks ( 1 year).

Like other mobile loan apps in Kenya, Branch uses your location, contacts, M-Pesa, and text messages to help understand your trustworthiness and to set your loan limit, and decide whether to give you a loan or not.

If you find that you do not qualify for a branch loan, do not uninstall the app from your phone. Wait for some days and keep checking time after time, making sure that your credit history on CRB is clean, and that your M-Pesa messages are not deleted.

How to Apply for Branch Loan

Branch app download, register, apply loan

  1. Search for Branch app from the Google Play Store and install it
  2. Sign up with Facebook or M-Pesa mobile number
  3. To apply for a loan, first take note of your loan limit given
  4. Next, select the principal you want (press the Loans menu if the principle is not visible)
  5. Press Continue
  6. You can click the pencil to adjust the principal, or if satisfied, Select the Loan Terms
  7. The total amount due is displayed against every loan duration
  8. Click Continue to take you to the Confirm Deposit Account page
  9. Select the Phone number you want the money to be deposited (you can give someone else’s M-Pesa number if you desire)
  10. Next, press Apply
  11. After a short while, the money will be deposited directly into the M-Pesa whose mobile number you have given.

How to Repay Branch Loan

  1. To repay your branch loan via business number, follow the steps:
  • Go to the Lipa na M-Pesa Menu and select Pay Bill
  • You can also access Lipa na MPesa option by dialing *334#
  • Enter Branch Paybill number 998608 as Business Number
  • Next, enter the account number as the M-Pesa number on which you received the Branch loan
  • Enter the loan repayment amount
  • Enter your M-Pesa PIN
  • Confirm that the details are correct and then send

You can also repay the loan through the Branch app itself. To do this:

  1. Open and login on the Branch app (using Facebook or your mobile phone number option)
  2. Then select the My Loan menu
  3. Press onTap to Pay
  4. Select the loan amount you want to repay
  5. Next, press Pay
  6. M-Pesa will pop up on your screen
  7. Enter your M-Pesa PIN and continue

Branch Loan Interest Rates

Branch loan app interest rates range from 1.7% to 17.6% per month and majorly depend on the customer’s credit history and risk profile.

The 4  to 52 weeks loan term attracts interest rates in the range of 17% to 35%. The interests charged depend on the amount you wish to borrow and the duration of the loan.

The loan app does not have a rollover fee if you fail to pay your loan on time. However, you risk being listed on CRB.

Branch Loan App Contacts

  • Physical location: 10th Floor, Reliable Towers, 11 Mogotio Road, Off Chiromo Lane, Westlands, Nairobi.
  • Mobile Phone number: +254 711 995555
  • Facebook page:
  • X handle: @branch_co