Branch Personal Loan
Licensed microfinance bank offering instant mobile loans from KES 500 up to KES 500,000. Interest rates from 2% to 18% depending on tenure (62 days to 1 year). Also offers 15% p.a. savings account.
Last checked on May 12, 2026. We may earn a commission when you click through.
Branch offers quick access to mobile loans, making it a convenient option for many Kenyans in need of cash.
Branch Personal Loan
Updated 4 days ago| APR | Amount | Term |
|---|---|---|
| 24.0–108.0% | $500–$500,000 | 12–62 mo |
Requirements
—Decision
—Our Verdict
Branch offers quick access to mobile loans, making it a convenient option for many Kenyans in need of cash.
Best For
This service is ideal for individuals looking for fast, small to medium-sized loans without the hassle of traditional banking.
Watch Out
Interest rates can be quite high, reaching up to 18% per month, which may be a burden for some borrowers.
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About this loan
Branch Personal Loan offers quick and flexible financing options, but users should be cautious of varying interest rates.
What Customers Say
Many users appreciate the fast service, but some express concerns about the high repayment costs.
Expert Analysis
Branch provides an efficient way to secure personal loans ranging from KES 500 to KES 500,000 with terms from 62 days to 12 months. With interest rates between 2% and 18%, potential borrowers should calculate their repayment plans carefully to avoid high costs. The user-friendly app allows for easy access to funds, but the APR can reach up to 108%, making it less favorable for long-term borrowing.
The savings account at 15% p.a. is a notable feature, appealing to those looking to grow their funds while borrowing. However, not everyone will qualify for the best rates. Our analysis shows that applicants with lower credit scores may face higher rates or denial. It's best for those with a good credit history or those needing quick cash solutions.
In terms of customer experience, users have reported a smooth application process, but hidden fees and high-interest rates are common concerns. Branch excels in providing quick access to funds, but those seeking lower rates or longer repayment terms might want to explore other options.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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