How Much Does Branch Charge in Interest?
In Kenya, Branch charges about 2% to 18% monthly interest set individually, on loans of roughly KES 500 to KES 300,000 over 62 days to 12 months. Do not assume there is no processing fee: disclosures are inconsistent, so check the figure in your own in-app offer.
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Quick answer: In Kenya, Branch charges monthly interest of about 2% to 18%, set individually by your borrower profile, on loans of roughly KES 500 to KES 300,000 over terms of 62 days to 12 months. Branch prices each offer personally, and its public disclosures on a processing fee are inconsistent, so the figure that counts is the one shown in your own in-app offer or Key Facts Statement.
How Branch's charge works
Branch uses monthly interest, roughly 2% to 18% a month depending on your risk profile, rather than a flat one-off fee. Terms run from 62 days to a year, and limits from about KES 500 up to KES 300,000, though first offers are far smaller and grow with on-time repayment. Because pricing is personalised, two borrowers can see very different rates.
The processing-fee question
Do not assume Branch has no processing fee. Its disclosures are inconsistent: one listing shows no processing fee, another mentions around 6%, and Branch's terms allow a processing or transaction fee to appear in your individual offer. Always read the fee shown in the app before accepting, rather than relying on a general claim.
| Branch (Kenya) | |
|---|---|
| Interest | About 2% to 18% per month |
| Loan range | About KES 500 to KES 300,000 |
| Term | 62 days to 12 months |
| Processing fee | Inconsistent; check your in-app offer |
Is Branch worth it?
Branch can lend more and over a longer term than the M-Pesa products, which suits a larger or longer borrowing need, but the monthly interest makes it pricier than the cheapest options. Compare it with its closest rival in Tala vs Branch, and see the cheapest routes in which loan app has the lowest interest rate. Confirm your total repayment with the total cost calculator before borrowing.
Borrow safely
Branch reports to the credit bureaus, so repaying on time builds your record and a missed payment can be listed. Confirm Branch in the CBK Digital Credit Provider directory and never pay an upfront fee to release a loan.
Frequently asked questions
How much does Branch charge in Kenya?
Monthly interest of about 2% to 18%, set by your profile, on loans of roughly KES 500 to KES 300,000. Any processing or transaction fee is shown in your individual in-app offer.
Does Branch charge a processing fee?
Possibly. Disclosures are inconsistent, with one listing showing none and another about 6%, and a fee can appear in your personal offer, so check the app rather than assuming.
How is Branch's rate decided?
Individually, from your borrower profile and repayment history. Building a record of on-time repayment improves your rate and limit over time.
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