How to repay a Branch loan via M-PESA (paybill 998608), 2026

Branch is one of the established CBK-licensed app lenders, and it grows your limit the more reliably you repay. The app has an in-built repay button, but if you would rather pay straight from M-PESA, the paybill route works.

The verified paybill

Branch is paybill 998608. The account is your Branch-registered phone number. Repaying in the app (which pulls from M-PESA) and paying the paybill directly both credit the same loan.

Repay from M-PESA step by step

1. Open the M-PESA app, or dial *334#.
2. Select Lipa na M-PESA, then Pay Bill.
3. Business number: 998608.
4. Account: your Branch-registered phone number.
5. Enter the repayment amount.
6. Enter your M-PESA PIN and confirm.

Keep the M-PESA SMS.

Repayment not reflecting

Why on-time repayment pays off here

Branch is explicit that repayment history drives your limit and your rate. Clearing early or on time raises your ceiling and lowers the cost of the next loan, so the paybill route is worth using the moment you have the funds rather than waiting for the due date.

What it costs

Branch adds no fee on top of the M-PESA tariff.

Frequently asked questions

What is the Branch loan paybill?

Branch is paybill 998608. The account is your Branch-registered phone number.

Can I repay Branch without the app?

Yes. Pay Bill 998608 with your registered phone number repays the loan directly from M-PESA.

My Branch repayment is not showing. What do I do?

Wait 15 minutes, then contact Branch in-app with the M-PESA code and registered phone. Do not pay again until they confirm.

Resources

• See our Branch Kenya review 2026 and the best loan apps in Kenya 2026.