Branch International

Compare all 2 products from Branch International in Kenya. Rates from 12%. Borrow up to Ksh 100,000.

12%

Lowest Rate

Ksh 100,000

Max Amount

Instant

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Branch Personal Loan	14% - 22%	Ksh 250 - Ksh 70,000	5-10 minutes	Apply
Branch Personal Loan Plus	12% - 21%	Ksh 250 - Ksh 100,000	Instant	Apply

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Branch International 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)
✗Requires smartphone and internet
✗Lower initial loan limits

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

AnyAny - employed, self-employed, business owner, student

Required Documents (across all products)

●National ID
●Smartphone with Branch app
●M-Pesa account
●Valid Kenyan ID
●Active smartphone with internet
●Branch app installed
●M-Pesa account for disbursement

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.

How they compare

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.

Frequently Asked Questions

What interest rates does Branch International offer?

Branch International offers interest rates ranging from 12% to 22% across their 2 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 250 up to Ksh 100,000 depending on the product and your eligibility.

How fast does Branch International disburse loans?

The fastest disbursement time from Branch International is Instant. 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.