Branch — review & details

In Personal loans · By the Rateweb editorial team · How we rate · Details checked 26 Jul 2026

Now a CBK-licensed microfinance bank (a higher bar than a loan-app DCP licence), offering fast app lending plus regulated savings. Same category economics on the loan — cheap short, costly if carried.

Branch

Now a CBK-licensed microfinance bank (a higher bar than a loan-app DCP licence), offering fast app lending plus regulated savings. Same category economics on the loan — cheap short, costly if carried.
★★★★☆
4.0/5 · How we rate
App-set, grow with repayment history
Amounts
Category-standard flat fee — read the exact quote in-app
Cost
Minutes to M-Pesa
Speed
CBK-licensed microfinance bank
Licence
small
Amount Tier
Pros
  • Bank-grade licence (above a plain DCP)
  • Fast lending plus savings in one app
  • Limits grow with repayment
Cons
  • Loan cost still category-standard
  • Reports to CRBs
  • Savings rate below a dedicated MMF
Read our Branch review

How Branch compares in personal loans

Branch scores 4.0/5 in our personal loans rankings. Our current top pick is Hustler Fund (4.2/5). Always compare a few before you decide — see the full personal loans comparison.

Branch
4.0/5 · this page
 Hustler Fund
4.2/5
 KCB M-Pesa
4.0/5
Amounts App-set, grow with repayment history KSh 500 – KSh 50,000 (grows with repayment history) KSh 50 – KSh 250,000
Cost Category-standard flat fee — read the exact quote in-app 8% per year (pro-rated) — a fraction of app-loan cost; late = ~9.5%/yr on the overdue balance Around 9.06% per 30 days — confirm the current facility fee
Speed Minutes to M-Pesa — —
Licence CBK-licensed microfinance bank — —
Read our Branch review → Read our Hustler Fund guide → Read our KCB review →

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Details last checked: July 2026

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