Money at the speed of life

We design our products to serve the needs of customers today, tomorrow, and in the future.

A commitment to customers

At Branch, our products are designed to meet people where they're at. For many, that means having little to no credit history or savings. So we use alternative data to offer financial products that people can access anywhere, without the hassle of judgement of traditional institutions.

Making a lending decision

With the explicit permission of our customers, we analyze smartphone data to determine loan eligibility. Our machine learning algorithms process thousands of data points to create personalized loan options in a matter of seconds.

How Branch
loans work

1. Download the Branch app

Use your Android phone to download Branch from the Google Play store.

2. Create your account

Fill out a simple form in under 30 seconds and submit for a quick review.

3. Apply for the loan that meets your needs

Loans are conveniently sent to your mobile money or bank account in minutes.

4. Receive the loan into your account

Repay with your mobile account. Build your credit to unlock larger loans.

Privacy is paramount

At Branch, the privacy and security of our customers and their data is our top priority.

Security

All the data we use is encrypted and protected.

We have strict policies in place that ensure our methods are properly communicated and customer data is always secure.

Data privacy

We never sell customer data or share customer contacts with third parties.

Ethical collections

We do not condone any aggressive debt collection practices, including debt shaming.

If you experience any form of harassment, please report the issue to us immediately via complaints@branch.co.

Our approach to credit scoring

Handset details

SMS logs

Repayment history

GPS data

Contact lists

100% transparency

We don't want to stifle growth or get someone into a tight spot. That's why we're upfront with our lending terms and never charge late fees or rollover fees.

Ksh 250 – Ksh 100,000

Loan amounts

None

Late/rollover fees

1.7% – 17.6%

Monthly interest

4 – 52 weeks

Loan terms

17% – 35%

Interest range

22% – 229%

Equivalent APR

Tsh 5,000 – Tsh 700,000

Loan amounts

None

Late/rollover fees

4% – 25%

Monthly interest

4 – 24 weeks

Loan terms

18.8% – 49%

Interest range

53% – 319%

Equivalent APR

₦2,000 – ₦500,000

Loan amounts

None

Late/rollover fees

1.5% – 20%

Monthly interest

4 – 52 weeks

Loan terms

17% – 40%

Interest range

18% – 260%

Equivalent APR

₹750 – ₹50,000

Loan amounts

None

Late/rollover fees

2.8% – 3.1%

Monthly interest

4 – 36 weeks

Loan terms

3% – 25%

Interest range

 – 

Loan amounts

None

Late/rollover fees

Monthly interest

weeks

Loan terms

Interest range