Biko Branch

          The app lets you apply for credit on the go and it works 24/7.

Personal loans are described on our policies as lending money from one individual, organization, or entity to an individual consumer on a non-recurring basis, not for the purpose of financing purchase of a fixed asset or education.

Our services are available in Ethiopia, Zambia, Kenya, Nigeria, and Philippines,Tanzania. Receive your personal loan right to your Bank account, Mobile Money account, to your PayPal account.

IT’S VERY VERY EASY TO GET STARTED

- Create your account.
- Apply in seconds.
- Choose a repayment period that suits you.
-Receive your loan straight into your Bank account, Mobile Money account, or PayPal account.

KEY BIKO-BRANCH FEATURES:

Biko-Branch puts you in control of your finances. The app lets you apply for credit on the go and it works 24/7.

- Get access to bigger loans, lower fees, and flexible payment terms as you repay.
- Loans are approved and in your account fast.
-No paperwork, collateral or office visits needed.
- We do not require sureties.

SAFE AND SECURE

Biko Branch makes getting a personal loan simple by using secured verification systems to verify your identity and create a credit score. We encrypt the data you choose to share with us to protect your privacy. We take your PRIVACY very seriously and promise to never share your information with third parties. We only use your personal information in accordance with our Privacy Policy.

RATES AND FEES
Loan amounts vary by country while interest rates and service rate (APR) are made to be flat rate regardless of the country.

Ethiopia:
Loans range from 100 Birr to 10,000 Birr over a period of 70 days up to 180 days to full repayment. Interest rates ranges from 15% – 29%, Service rates ranges from 1% - 3%, which makes APR of 18% - 30%.

Zambia:
Loans range from 1000 Kwch to 5000 Kwch over a period of 70 days up to 180 days to full repayment. Interest rates ranges from 15% – 29%, Service rates ranges from 1% - 3%, which makes APR of 18% - 30%.

Kenya:
Loans range from Ksh 250 to Ksh 7,500 over a period of 70 days up to 180 days to full repayment. Interest rates ranges from 15% – 29%, Service rates ranges from 1% - 3%, which makes APR of 18% - 30%.

Nigeria:
Loans range from ₦500 to ₦25,000 over a period of 70 days up to 180 days to full repayment. Interest rates ranges from 15% – 29%, Service rates ranges from 1% - 3%, which makes APR of 18% - 30%.

Tanzania:
Loans range from Tsh. 25,000 to Tsh. 750,000 over a period of 70 days up to 180 days to full repayment. Interest rates ranges from 15% – 29%, Service rates ranges from 1% - 3%, which makes APR of 18% - 30%.

Philippines:
Loans range from 250 pesos to 5,500 pesos over a period of 70 days up to 180 days to full repayment. Interest rates ranges from 15% – 29%, Service rates ranges from 1% - 3%, which makes APR of 18% - 30%.

Representative Example:
If you borrow 5,000/= on a 180 days repayment term, the Total repayment will be 5,450/= after the specified duration.

CONTACT US
We’re always excited to hear from you! If you have any feedback, questions, or concerns, please e-mail us.