The Branch Loan App Kenya Now a Neo Bank is one of the most trusted and registered mobile lending platforms in Kenya, offering instant loans directly through M-Pesa. Whether you need quick cash for emergencies, school fees, or business support, Branch provides flexible and affordable loan options right from your smartphone.
About Branch Loan App Kenya
Branch International is a global digital financial services provider operating in several countries, including Kenya, Nigeria, Tanzania, and India. In Kenya, Branch has gained massive popularity for its fast, paperless loan process that allows users to access instant credit without the need for collateral or guarantors.
The app uses mobile data, M-Pesa transaction history, and phone usage patterns to determine your creditworthiness, making it easy for anyone to qualify for a loan.
Branch Loan App Kenya Features
Here are some of the standout features that make Branch one of the best loan apps in Kenya:
✅ Loan Range: Ksh 1,000 to Ksh 300,000
✅ Interest Rates: As low as 2% per month
✅ Repayment Period: 30 to 90 days
✅ Disbursement: Instant via M-Pesa
✅ No Collateral Required
✅ 100% Digital Application
✅ Credit Limit Increases with Timely Repayments
How to Apply for a Branch Loan in Kenya
Applying for a loan on the Branch App is simple and straightforward. Follow these steps:
- Download the Branch Loan App
Visit the Google Play Store and search for “Branch Loan App Kenya” or click here to download. - Register and Create an Account
Sign up using your M-Pesa registered phone number and provide basic personal details. - Verify Your Identity
The app will require you to verify your phone and may access limited data (like SMS and phone usage) to determine your loan limit. - Check Your Loan Limit
Once verified, you’ll see the amount you’re eligible to borrow. - Apply for a Loan
Choose your desired loan amount and repayment period, then submit your application. - Receive Funds via M-Pesa
Approved loans are instantly disbursed to your M-Pesa account.
How to Repay Your Branch Loan
Repaying your Branch loan is easy and can be done directly through M-Pesa:
- Go to your M-Pesa Menu
- Select Lipa na M-Pesa
- Choose Paybill
- Enter Business Number:
998608 - Account Number: Enter your phone number (the one linked to Branch)
- Enter the amount you wish to repay
- Confirm and send
Repayment updates reflect instantly in your Branch account. Always ensure you repay on time to increase your credit limit and maintain a good loan history.
Branch Customer Care Contacts
For inquiries, complaints, or assistance, you can reach Branch customer support via:
📧 Email: kenya@branch.co
They offer responsive support to ensure customer satisfaction and help with repayment or loan limit issues.
Why Choose Branch Loan App?
- ✅ Trusted and CBK-registered digital lender
- ✅ Fast approvals and instant disbursements via M-Pesa
- ✅ Transparent fees — no hidden charges
- ✅ Flexible repayment terms
- ✅ Builds your credit score with responsible borrowing
Branch Loan App Kenya Summary Table
| Feature | Details |
|---|---|
| App Name | Branch Loan App Kenya |
| Loan Amount | Ksh 1,000 – Ksh 300,000 |
| Interest Rate | From 2% per month |
| Repayment Period | 30 – 90 days |
| Disbursement | Instant via M-Pesa |
| Repayment Method | M-Pesa Paybill: 998608 |
| Account Number | Your M-Pesa Phone Number |
| Customer Support Email | kenya@branch.co |
| Availability | Available on Google Play Store |
Frequently Asked Questions (FAQs)
1. Is Branch Loan App Kenya legit?
Yes. Branch is a legit and registered digital lender in Kenya, regulated under the Central Bank of Kenya (CBK) Digital Credit Providers list.
2. How much can I borrow on Branch?
New users can borrow from Ksh 1,000, while loyal and consistent borrowers can access up to Ksh 300,000.
3. How long does Branch take to send the loan?
Once approved, your loan is disbursed instantly to your M-Pesa account.
4. What happens if I fail to repay my Branch loan on time?
Late repayment may attract penalties and negatively affect your credit score, reducing your future loan limit.
5. Can I use Branch without a smartphone?
No. Branch is a mobile app-based lender, so you’ll need an Android smartphone to access its services.
Summary Table – Best Loan Apps in Kenya
| Loan App | Parent Company / Developer | Loan Limits | Interest Rates | Repayment Period | M-Pesa Disbursement | Legitimacy |
|---|---|---|---|---|---|---|
| Tala | Tala Kenya | KSh 1,000 – 50,000 | From 0.3% per day | 21–30 days | ✔ Yes | Legit |
| Loop Pesa | Loop Digital Services | KSh 2,000 – 100,000+ | Varies by product | 30 days – 36 months | ✔ Yes | Legit |
| Linker Mkopo | Link Pesa Ltd | KSh 500 – varies by user | Shown in-app | Short-term | ✔ Yes | Play Store Verified |
| AdvancePoa | Zagreus Finance | KSh 5,000 – 250,000 | Varies by product (APR shown in-app) | 1–12 months | ✔ Yes | Legit |
| Zenka | Zenka Finance Ltd | KSh 500 – 50,000+ | From 2.45%–39% depending on tenure | 30–90 days | ✔ Yes | Legit |
| FlashPesa | FlashPesa Digital | KSh 1,000 – 80,000 | Interest + origination fee | 91–365 days | ✔ Yes | Play Store Verified |
| FairKash | FairKash Credit | Up to KSh 60,000+ | From 4% monthly (varies) | 30–180 days | ✔ Yes | Verified |
| Kashbean (Cashbean) | Creditarea Capital Ltd | KSh 800 – 200,000 | Low to moderate APR shown in-app | 91–365 days | ✔ Yes | Legit |
| TruePesa | Azura Credit Ltd | KSh 500 – varies | Varies by product | Short-term | ✔ Yes | Play Store Verified |
| Berry Loan App | Various Developers | Varies | Shown in-app | Varies | ✔ Yes | Verify Developer |
| Choice Sasa Loan App | Choice Microfinance-linked Developer | KSh 500 – 150,000 | APR up to 36.5% | 30–180 days | ✔ Yes | Verified |
| Koro | Zenka Digital Ltd | Up to KSh 200,000 | Varies by user profile | Short–medium term | ✔ Yes | Legit |
| Zash | Zash/Kopakash/Zillions Credit | KSh 500 – 200,000 | Up to 25% APR (varies) | 91–365 days | ✔ Yes | Play Store Verified |
| PesaIn | Wabema Credit Ltd | KSh 500 – varies by customer | Interest shown in-app | Flexible due-date selection | ✔ Yes | Legit – Operated by Wabema Credit Ltd |
| PesaBar | East Africa Futures Company Ltd | KSh 500 – varies | Interest shown in-app | Short-term | ✔ Yes | Legit – Operated by East Africa Futures Company Ltd |
Final Thoughts
The Branch Loan App Kenya remains one of the most reliable and customer-friendly digital lenders in the country. With flexible repayment options, low interest rates, and instant M-Pesa disbursement, Branch continues to empower Kenyans with convenient access to credit when they need it most.
If you’re looking for a fast, safe, and genuine mobile loan app in Kenya, Branch should be at the top of your list.