We design our products to serve the needs of customers today, tomorrow, and in the future.
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.
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.
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.
We never sell customer data or share customer contacts with third parties.
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 in-app chat.
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 charges.
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