Branch makes it easy for people in Tanzania to access a loan, anytime, anywhere. Complete our application in minutes and receive your loan straight into your mobile money account. Branch is like a bank in your pocket, there for you at all times. Visit our website to learn more.

Branch has offices in Dar-es-salaam, Tanzania; Nairobi, Kenya; Lagos, Nigeria; Mumbai, India; and San Francisco, United States.

At the moment, Branch operates in India, Kenya, Tanzania, and Nigeria.

Yes! Kindly ensure you are using the latest version of the app. Then from your app go to “My Account”, then tap “App Settings”, then select “Language”, choose “Kiswahili” and tap “Submit” to save.

You can follow this link and click Update. Or you can go to Google Play, search for “Branch International” then click “Update”.

In Tanzania, we support Vodacom, Tigo. We hope to expand our coverage in the near future.

Thank you for your interest! Kindly follow this link to our careers page to see a list of our current vacancies.

At the moment, we encourage customers to send us a message via the app any time and we will help you resolve whatever issue you may have. Our customer service number is +255 675 031 791. Before visiting the office, kindly reach out to our customer service agent via the app or phone call so that we can schedule your visit. Our office address is 1st Floor, Oyster Pearl Galleria, Chole Road, Oysterbay, Masaki, Dar-es-salaam

To edit your personal details, click on this link My Account, or tap on the person icon on the top right corner of your screen that takes you to “My Account”. Then tap “Profile” to update your personal information.

To register a new mobile money number, click on this link then click on “Add Account”.

Branch asks you to validate your mobile money account to ensure that it is a supported carrier and that it belongs to you. Click on this link from an android phone, and then click on the phone number labeled NOT VALIDATED that you wish to use as your Branch phone number.

Click “Validate” and then “Continue”. You will receive an SMS message with a 4-digit code that you will enter in the app to validate the number.

You may see this error message if Branch is unable to detect the required SIM in your phone. Kindly remove all other SIMs from your phone and leave only the SIM you want to use (Vodacom or Tigo) and then log back into Branch. You should be in a position to add your number and proceed to validate it.

At Branch, we conform to the highest standards of data integrity. This means that you cannot change information that was previously used to process a successful loan application.

If you would like to delete your account, please make sure that you have repaid all of your loans and then write to us on the in-app chat or email us at dpo@branch.co with your request.

Requirements are simple - all you need to apply is your National ID and a mobile money account registered under your ID details. We will also request access to the data on your phone in order to determine your credit score.

Branch uses data from your phone, including your handset details and SMS messages to make lending decisions. We combine this with your Branch repayment history to build an individualized credit score, which determines the loan offers you receive.

If you don’t get accepted when you apply, don't worry! Sometimes it may take several attempts to qualify for a loan. We encourage you to continue saving data on your phone and to reapply after the period stipulated.

We aim to process all loans within 24 hours. On average we process loans in less than 3 hours and hope to reduce that to a few minutes.

Branch uses data from your phone as well as other sources to make a lending decision. To increase your chances of approval, please make sure to save the data on your phone, stay current with all other lenders, and correctly input your account details.

Applying for a loan is easy! After you have downloaded the Branch app, all you need to do is sign up, navigate to the “Loans” option at the bottom of the Home screen, and fill in your personal details, phone number and mobile money account details. Then you can view available loan offers, select an option, and tap “Apply”.

Our loan sizes range from Tsh 5,000 to Tsh 1,000,000. If you repay loans as scheduled, the amount that you can borrow will increase.

The loan offers you see depend on a number of factors, including your repayment history with Branch. If you repay each installment by its due date, you may unlock access to larger loans over time. Note that the increase may not always be immediate, and that repaying your loan late may result in smaller loan offers.

Unfortunately, you won't be able to access a loan of a larger size. The fastest way to increase the amount you are eligible for is to build credit by making each repayment as scheduled.

At the moment, the highest loan amount we offer is Tsh 1,000,000 but this may increase in the future.

Interest rates are determined by a number of factors, including your repayment history with Branch and the cost of lending for us. Borrowers are required to cover any mobile money transaction fees, such as Vodacom M-Pesa or Tigo Pesa charges, associated with repaying the loan. Standard SMS and data charges by your mobile carrier may apply.

Processing fees are charged by Branch to cover administrative costs such as processing, loan disbursement, verifying loan applications etc. The processing fee is usually a percentage of the loan amount and will be displayed in the loan fees breakdown and in the loan agreement. We also add a charge of 10% of this processing fee as processing fee tax (excise duty) as this is a tax that is charged to us by the tax authorities.

Disbursement amount is the final amount that will be deposited to your financial account after deducting the processing fees + tax. The fees are collected upfront to cover to cover the costs incurred by Branch for processing and verifying loan application

The amount deposited to your financial account is the Disbursement amount, which is displayed in the app and loan agreement when you are applying for the loan, and this amount is less than the Principal amount because this amount is the remaining amount after deducting the processing fees + tax. The fees are collected upfront to cover the costs incurred by Branch for processing and verifying loan application

Your loan offers are automatically determined by a number of factors. Even though it may not always increase immediately, it will increase over time as you continue to make all of your repayments as scheduled.

Each loan amount is automatically determined by our systems each time you repay based on a number of factors. We encourage you to keep making your repayments as scheduled to increase your loan amount.

To make a repayment, follow these steps:

Vodacom

1. Dial *150*00# to access the M-Pesa menu.
2. Press 4 to make a payment with Vodacom M-Pesa.
3. Press 4 enter the Business Number, using 256699
4. Enter your mobile number as the reference number
5. Enter your repayment amount
6. Enter your PIN
7. Select 1 to confirm the transaction.

Tigo

1. Dial *150*01# to access the Tigo Pesa menu
2. Press 4 to make a payment using Tigo Pesa
3. Press 3 to enter the Business Number, using 256699
4. Enter your mobile number as the reference number
5. Enter your repayment amount
6. Enter your PIN
7. Select 1 to confirm the transaction.

We advise that you make your repayments as they appear on the “My Loan” page. Skipping your other repayments and paying the loan on the last due date will negatively affect your future loan amounts.

To view your repayment information, tap on your loan balance on the Home screen or the “Loans” option at the bottom of the Home screen, then tap on “Repayment Schedule”. You will be able to see your installments, due dates and the amounts due on those dates.

If you do not receive confirmation from Branch that your repayment was received within a few hours, kindly send us the transaction confirmation message you received and the number you used to make the payment via “Customer Care” in the app. We will follow up and update your account.

To increase your loan offer amount, we strongly encourage you to repay your loan according to your “Repayment Schedule”, which can be found by tapping the “Loans” option at the bottom of the Home screen.

If you overpay your loan on your last repayment, the amount will remain on your account and be applied on the repayment of your next loan.

Paying each installment by its due date allows you to build your Branch credit and access larger loan sizes. Late repayments will affect your ability to get subsequent or larger loans. A late fee of 6% can be charged on the outstanding loan repayment amount for some loans. If you are very late on your payments, we may report to the Tanzania Credit Authority.

Unfortunately, Branch cannot alter your repayment schedule after you've received a loan. If you are unable to repay the full amount due, we advise you to start making partial repayments as soon as possible.

A Credit Authority collects credit information on individuals and provides repayment performance data to banks, lenders, and other businesses. They help promote financial inclusion and prevent over indebtedness.

Once you have settled your defaulted loan, you can write to us through the app, and we will further advise you.

We use world-class data security and encryption techniques to protect the data you share with us. Branch never shares your information with third parties unless it is for dedicated business purposes, such as reporting defaulted loans to authorized credit bureaus. We do not sell your data or credit profile.

Branch uses your ID to ensure your account belongs to you, and so that no one else can apply for a loan using your account. We understand that this is very sensitive information and take our customer privacy very seriously. If you have additional concerns, please contact the Branch customer service team.

Branch uses data from your phone, including your handset details and financial transaction messages to make lending decisions. These data are a crucial part of our decision making process, and allow us to provide seamless and efficient financial services.

In your Android Phone, kindly go to Settings > Apps > Branch > Permissions and make sure that you have enabled Branch to access everything requested.

Please read our Terms of Use and Privacy Policy.