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Branch is an international fintech platform that provides users with access to a full range of digital financial services, including instant personal loans without traditional paperwork, free money transfers, bill payments, yield-generating investment portfolio management, and an e-wallet (Branch Wallet) accessible through a simple and intuitive mobile app.
In Nigeria, Branch typically offers loans up to ₦1,000,000 with flexible terms and fast approval, allowing borrowers to receive funds within minutes to 24 hours of applying through the Branch app.
The platform distinguishes itself with its approach to easy access to credit without physical documentation; it uses alternative data (such as mobile behavior, transaction history, and personal information) to assess creditworthiness and adjust users' credit limits.
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