What are the requirements for Branch Personal Loan?

To qualify for Branch Personal Loan from Branch International, you typically need: National ID, Smartphone with Branch app, M-Pesa account. Age requirement: 18-65 years.

How long does Branch Personal Loan approval take?

Branch Personal Loan from Branch International typically takes 5-10 minutes for approval. Digital applications may be processed faster than in-branch applications.

What is the interest rate for Branch Personal Loan?

Branch Personal Loan offers 14% - 22% p.a.. Actual rates may vary based on your credit profile, income, and relationship with Branch International.

Is Branch Personal Loan available in my area?

Branch Personal Loan is available in select locations. You can apply online or visit any Branch International branch.

What are the fees for Branch Personal Loan?

Branch Personal Loan charges no processing fee. Always confirm current fees with Branch International before applying.

Fast Loan

Branch Personal Loan

Branch International

Last updated: October 29, 2025

Reviewed byPesaMarket Research Team

|Last verified: Oct 29, 2025

★★★★★

0/5

Based on 0 Reviews

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Interest Rate

14% - 22% p.a.

Loan Amount

Ksh 250 - Ksh 70,000

Approval Time

5-10 minutes

Processing Fee

None

Rating Breakdown

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Pros & Cons

Pros

Fast approval (minutes)
100% digital process
Builds credit history
Flexible repayment periods
No hidden fees
High app ratings (4.5 stars)

Cons

Requires smartphone
Interest rates can be high for new users
5% late fee on missed payments
First-time limit usually low (KES 250-2,000)

Expert Analysis

Branch has become synonymous with instant mobile loans in Kenya, pioneering the app-based lending model. The AI-driven approval process can deliver funds to M-Pesa within minutes of application. Starting loans of KES 250-1,000 grow to over KES 70,000 for reliable borrowers. Interest rates of 14-29% monthly are high but transparent. Branch's strength is accessibility - approval is based on smartphone data analysis rather than traditional credit checks. The app tracks repayment behavior meticulously, rewarding timely payments with increased limits and lower rates over time.

Best For

First-time borrowers building credit history
Emergency funds needed within minutes
Those without formal employment or bank accounts
Young professionals with smartphone but limited banking access
Small amounts (under KES 10,000) for short-term needs

Common Rejection Reasons

New smartphone or recently factory-reset device
Limited SMS and call history on the device
Previous Branch loan in default
Multiple loan apps with outstanding balances
Insufficient data for AI credit assessment

How It Compares

Branch is more accessible than bank loans but more expensive. Against Tala, Branch often approves smaller first loans but with similar rates. Compared to M-Shwari, Branch offers more flexibility in amounts and terms but requires app installation and data access.