Branch Loan App

Branch is a product of Branch International, a micro-finance lending institution operating in several countries including Kenya. Branch uses Branch loan 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 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.

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

Advantages of Branch App 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 use Branch loan app services
  • A good credit history with Branch qualifies you for larger loans with flexible terms.

So, How does the Branch Loan Work?

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 increase your loan limit. I myself have applied those rules several times on different loan apps and they have worked for me 100%. You too can try.

What are Branch Loan Requirements?

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 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 get 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 genuine Facebook account. (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. Fill out the form provided and submit it for a quick review.
  5. Wait for about an hour or two to apply for your loan

You can Earn Commission With Branch

Hand up if you want free money. I ones read somewhere that earning money is a game and so you, my friends have to understand the money game.

Take advantage of every opportunity that falls in front of you. I will make this easy for you because you have been a good friend of ours.

Good, let’s get started. I am talking about how to earn Commission on Branch Loan App by referring people to take loans from the app. It is as simple as inviting friends in exchange for Ksh 500 for every friend that takes a loan and repays it.

Earn Commission On Branch Loan App

How easy 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 Branch. 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 loan app

Educate you 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 loan 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.


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

  2. 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

  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?

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