Branch International

Compare all 1 products from Branch International in Kenya. Rates from 20%. Borrow up to Ksh 300,000.

20%

Lowest Rate

Ksh 300,000

Max Amount

5-10 minutes

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Branch Personal Loan	20% - 211%	Ksh 1,000 - Ksh 300,000	5-10 minutes	Apply

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Branch International Pros & Cons

+Pros

✓Fast approval (minutes)
✓100% digital process
✓Builds credit history
✓Flexible repayment periods
✓High app ratings (4.5 stars)

-Cons

✗Requires smartphone
✗Interest rates can be high for new users
✗Late fees not published; the listing says some customers may incur late bank fees
✗First-time limits are usually far below the KES 300,000 maximum

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any

Required Documents (across all products)

●National ID
●Smartphone with Branch app
●M-Pesa account

Expert Analysis

Branch is an app-based lender; the CBK-licensed entity is Branch Microfinance Bank Limited, while the Google Play developer is Branch International Financial Services Limited. Its Google Play listing (updated September 8, 2026) offers loans of KES 1,000 to KES 300,000 (the same listing also says from KES 500) over 62 days to one year. The listing states an APR of 20% to 211% (monthly interest 2% to 18%) plus a 6% processing fee on the principal. Its own example: KES 10,000 at 196% APR for 62 days costs KES 3,260 in interest. No late-fee figure is published; the listing says some customers may incur late bank fees. Approval is based on smartphone data analysis rather than traditional credit checks, and limits grow with on-time repayment.

How they compare

Branch is more accessible than bank loans but more expensive. Against Tala, Branch's published APR (20%-211%) overlaps Tala's (109.5%-219%). Compared to M-Shwari, Branch offers more flexibility in amounts and terms but requires app installation and data access.

Frequently Asked Questions

What interest rates does Branch International offer?

Branch International offers interest rates ranging from 20% to 211% across their 1 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from Branch International?

Branch International offers loan amounts from Ksh 1,000 up to Ksh 300,000 depending on the product and your eligibility.

How fast does Branch International disburse loans?

The fastest disbursement time from Branch International is 5-10 minutes. Actual processing time varies by product type and application completeness.

Does Branch International require CRB clearance?

Branch International does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.