Branch - Digital Bank & Loans

Branch - Digital Bank & Loans is your all-in-one personal finance app, combining instant mobile loans with savings and money transfer tools in one secure platform.

Get instant personal loans without the hassle of paperwork, collateral, or office visits. Borrow between Ksh 500 and Ksh 100,000 with flexible repayment terms ranging from 62 days up to one year. Interest rates are transparent, starting from 20% APR, with no hidden processing or onboarding fees. Whether you need funds for medical emergencies, home renovation, education, travel, weddings, or any personal goal, the app's quick approval process means you can access money when you need it most — 24/7, directly from your phone.

Save smarter with Branch's industry-leading savings account, offering 15% annual interest — Kenya's highest rate. Your deposits earn weekly interest payments, and you maintain complete flexibility to withdraw anytime or lock funds for a fixed period. This makes it easy to build an emergency fund or save toward future goals without sacrificing access to your money.

Manage all your finances seamlessly through the Branch wallet. Make instant transfers between Branch and M-Pesa, pay bills without extra charges, and track every transaction in one place. The integrated wallet eliminates the need to switch between multiple apps, saving you time and simplifying your money management.

Security is built into every feature. Branch uses advanced encryption and analyzes data on your phone — including SMS history — to verify your identity and create a personalized credit score. This intelligent assessment means you get fair lending terms based on your actual financial behavior, not just credit history. Your privacy is protected with industry-standard security protocols.

The app is designed for real life. Quick and easy sign-up takes minutes. World-class customer support is available 24/7 through in-app messaging, with responses typically arriving within minutes. Whether you have questions about loan terms, savings rates, or how to use the wallet, expert help is always a message away.

Branch - Digital Bank & Loans transforms how Kenyans access credit and manage money. No more waiting in queues, no collateral required, no complicated paperwork — just smart, accessible financial tools built for your needs.