Branch loan application and download (2019 Update)

Once registered, open theApp and Click on the left Menu. Under Promotions use this code: EGR440.


Most Kenyans survive on loans throughout the year. Thanks to mobile phones. Now you can use online platforms such as Branch Loan App to get credit on your smartphone.

Branch App is a product of Branch International, a micro-finance lending institution operating in several countries including Kenya. Branch International uses Branch app to make it easy for Kenyan citizens to access emergency loans anytime and anywhere.

What is Branch loan app?

Branch loan App is a mobile loan application downloadable from the Google play store that allows you to access credit from your mobile phone. Branch loans are usually disbursed immediately through Mpesa with the minimum loan limit being Ksh 250 and can reach up to a maximum of Ksh 50,000.

Currently, Branch has more than 3 million customers and has so far disbursed more than 15 million loans issued in Kenya, Nigeria, Tanzania, Mexico and India.

Once you get a Branch loan, you can choose the repayment period of between 1 to 12 months charged at an adjustable interest rate. The interest rate is usually dependent upon a customer’s credit score.

Advantages of Branch loans

  • Branch loan products are designed to fit your needs
  • Branch loans do not have late penalties or rollover fees
  • A customer does not need a savings account to access Branch loan app services
  • Good credit history with Branch qualifies you for more massive loans with flexible terms.

Must Read: Tala Loan App 

How Branch Works

The Branch loan App uses machine learning algorithms which process thousands of data entries to assess your credit profile and create tailored loan products.

Data is collected with permission by accessing information on your phone such as

  • SMS logs
  • Mpesa Logs
  • Handset Details
  • GPS Data
  • Call logs
  • Social Network Data
  • Contact lists

Note: You can also increase your credit limit by following the instructions written in the previous post on how to raise your loan limit. I have applied those rules several times on different loan apps, and they have worked for me 100%. You too can try.

How do I get a loan from a branch?

Branch Loans only requires your active Facebook account details, mobile number, and a National ID card number after which it scans your phone for the data described above to determine your credit score and hence loan eligibility.

More specifically, you need the following:

  • Smartphone – Either Android or iPhone
  • A valid/active Facebook Account.
  • Safaricom line and Tigo Pesa or Vodacom Mpesa if you are in Tanzania
  • Your National ID Number

As stated later in this post, after you’ve downloaded and installed the Branch App. Branch App will check the information provided by CRB Kenya. This process is done to know your credit score.

To check your credit score kindly follow the steps highlighted in this article: How to check your CRB status in Kenya.

How to download the branch loan app

Here is a detailed guide on how to download branch loan application on your mobile phone: This method is for Branch app download for android based phones.

Here is how to download Branch loan app

  1. Visit the Google Play store on your Android smartphone and search for the Branch App.
  2. Download and install the app on your phone
  3. Open the app and log in using your official Facebook account or phone number (recommended). (Branch only allows one branch account per person and the Facebook account you use when you first log into the app is the one we always associate with your account).
  4. Open the App and Click on the left Menu. Under Promotions use this code EGR440 to help in getting a loan.
  5. Fill out the form provided and submit it for a quick review.
  6. Wait for about an hour or two to apply for your loan

How to withdraw Branch loan

After you fill the form, the loan will be automatically disbursed to your M-Pesa Line. Branch has also partnered with Visa to enable you to withdraw funds from an ATM using “virtual” Visa credentials within that code, no physical debit card or bank account required

How to pay branch loan

Repaying your loan is easy and can be done on your phone through Lipa Na M-Pesa. Here is a step by step guide on how to pay branch loan.

  1. Navigate to the Mpesa menu on your phone
  2. Select the Lipa Na M-Pesa option
  3. Use the Pay Bill item and enter the Number 998608
  4. Use your mobile number as the Account No.
  5. Choose the amount you need to pay

Always note that you can pay branch loan in instalments. After you enter the amount, input your Mobile money PIN and click ok.

Branch loan customer care

Are you in need of help and need branch loan contacts? Well here is how to contact Branch Loan providers in Kenya.

There are many ways to get branch loan contacts and here are the four main ways you as a client can use to contact the mobile loan lender;

  • The first way is through the APP itself where there is a customer care service
  • You can also use this email address [email protected] to contact Branch International
  • They have an active Facebook page
  • You can also find them on Twitter

There you have it those are the currently available branch loan contacts.

How to earn commission

How easily does it get guys? We all need money, and at one point we take small loans from mobile loan apps. However, Branch is a Mobile loan app with a difference.

They appreciate the trust you have with them to the point of rewarding you commissions for any referral made. When they started giving commissions, they would pay 300 per referral, but the figure has been since increased to Ksh 500 per referral.

If you want to make money by referring friends, here are the steps you should follow to earn your free money. (I call it free because honestly, you don’t break a sweat). There are several ways of inviting friends to use the Branch app. That could be through word of mouth, SMS, Social Media and other Internet platforms.

Earn Commission On Branch Loan App

How to invite friends on social media

  • Tap on the three bars on the upper left-hand corner of the app
  • Select ‘invite friends’ (your code will show)
  • Tap ‘invite friends’ at the bottom centre
  • Select the messaging or social media app to invite friends from.
  • Your friends will finally receive your invitation message for their action.

How to earn commission on Branch app

Educate your friends about the following points

  • Your friends should enter your promotion code in the branch app under the ‘promotions’ tab
  • You will receive a message when your invited friends apply your promotion code
  • You will receive ksh500 every time a friend repays their first loan

Please let us hear about your Branch app experience in the comment section below. Why don’t you share this post if you like it?

Before you go, I thought you might also want to read about where to get instant unsecured mobile loans in Kenya.

Subscribe For More!

If you want to be the first to get updated when we publish please subscribe to our newsletter

Rafa'el is an Engineer/Entrepreneur who loves turning everything he finds interesting into hard cash, including conversations and directions.


  1. Why is the app not Available on App Store Iphone ,My loan on branch is over due now , have been trying to make a payment it not just possible , you guys should please do something about this

  2. Thanks guys you help a lot. .. kindly I’ll pay my loan once not in instalment within the payment period msikondee!! Am in branch to stay!!

  3. I am totally sad that you have never updated your data base on ID numbers, my number of 0638417 has never been accepted. I tried to apply time and again but the ID fails me. Can someone help me here?

  4. branch is so naging i dont know how many times they have texted/called me for my petty cash of 250….you are wasting much for less!!!!!!!!nkt

  5. Branch takes too long to upload. Its being uploading for the last six hours. Wondering whether it really works


Please enter your comment!
Please enter your name here

This site uses Akismet to reduce spam. Learn how your comment data is processed.


Recently Published

Equity's Fintech capabilities

Equity’s fintech capabilities increases diaspora transactions

Equity's Fintech capabilities in the diaspora have increased transaction volumes by 196% to Ksh 107 Billion. Commissions also recorded a 169% rise from Ksh...