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1) InvestEd’s loans are designed for a student’s empowerment and safety. It has safeguards to ensure that a student receives the most value out of the loan and a student’s debt is not mismanaged.
2) Unlike other lending platforms, InvestEd does not require any collateral or a credit card. Its security for loan repayment is in a student borrower’s membership into the Investee Success Program and their potential to succeed.
3) InvestEd has friendlier rates and offers a personalized approach to lending that makes loaning very convenient for borrowers. Our interest rates and service fees vary depending on a student’s financial need and his/her status as a member of the InvestEd Community.
4) As a financial technology company, InvestEd gives importance to innovative and digital practices to put students’ needs first. InvestEd loan officers are also always available to communicate with Investees (members of the InvestEd student community) in any platform, to swiftly address concerns and future adjustments on disbursements and repayment.
| Interest rates (per annum) | Loanable Amount | Barriers | |
|---|---|---|---|
|
Banks |
16%-38% |
₱300,000 |
|
|
CHED Student Loan Program for Tertiary Education-Short Term Basis (SLPTE-ST) |
0% to 6% |
₱60,000 |
|
|
SSS Educational Assistance Loan |
6% |
₱20,000 |
|
|
Microfinance Lenders |
18%-36% |
₱60,000 |
|
|
Private Lenders |
36%-180% |
₱30,000 |
|
|
Relatives |
N/A |
Depends on capacity and willingness of relative |
|
|
Loan Sharks |
240%-360% |
No Limit |
|
| Interest rates (per annum) | Loanable Amount | Barriers | |
|---|---|---|---|
|
InvestEd |
27%-35% |
Based on Student's Capacity |
|
InvestEd offers customizable payment plans depending on your needs and financial situation. Our basic plan allows you to begin repayment of your student loan once you have graduated.
However, you and/or your family/guarantors may opt to start paying any time before graduation, to decrease the overall payments you will need to make on your loan. Almost 50% of our borrowers have had repayment adjustments by making advanced payments upon settling into stable employment since this is a proven way to shorten your loan term and/or decrease interest fees.
Our loan officers will initially give you a repayment plan to follow, however, requests for adjustments are always prioritized, to ensure that students do not incur unmanageable debt and accrue interest due to a deferred loan term.
InvestEd’s education loans are carefully designed to help students make the most out of their college learning experience. Different loan products are available for every phase of your college journey.
Tuition loans are directly disbursed to your school. These are loans to pay outstanding tuition fees and tuition-related expenses. We understand that there are tuition fee deadlines and we will adjust our process to meet those deadlines for you.
Gadget loans are directly disbursed to your merchant/supplier. These loans are used to purchase laptops, tablets, cellphones usually used by students to complete school requirements and projects.
Thesis loans are curricular loans which are directly disbursed to your personal account in tranches, to be used for expenses related to the completion of a special project or thesis such as project materials and systems.
Allowance loans are curricular loans which are directly disbursed to your personal account in tranches, which are usually used for dormitory rental fees, housing needs, food subsidies, etc.
Student applicants can receive as low as ₱10,000 to as much as ₱100,000 for their loan. Loan amounts depend on system-generated data, which our loan officer evaluates together with a student’s financial need, year in school, and other factors.
Additional loans are also granted on a case to case basis to student borrowers who have been active Investees (members of the InvestEd student community) for six months.
Our loan officers ensure that all applications are processed in a timely manner and are committed to guide student applicants through every stage of the application process. However, processing time will depend on the volume of applications in every cycle and how fast the applicant is able to comply with the requirements.
On average, an InvestEd loan can get disbursed 5 days after an applicant undergoes a phone interview. However, this period may be shortened for applicants who are able to submit their requirements earlier than the average processing time.
Applicants who submit delayed requirements are expected to have a prolonged processing period.
InvestEd’s disbursements are available in most e-payment channels, money remittance centers and bank transfers to make sure that your loan gets to you swiftly and securely.
Tuition fees and gadget loans are directly paid by InvestEd to your biller (school/merchant/supplier). Thesis, allowance and rent loans are transferred to your personal account, usually in staggered disbursements.
Yes, InvestEd charges a service fee of 22% of your requested loan amount, or P3000 (whichever is higher).
For example, if your requested loan amount is P30,000, our service fee is P6,600 (22% of P30,000). Your principal loan, therefore, will total to P36,600, as it comprises of InvestEd's service fee added to your requested loan amount. This fee covers your loan administration over the entirety of your loan period and InvestEd’s operating expenses, ensuring our sustainability for future borrowers like you.
We recommend that you inform your loan officer at application if you are planning to take the board exams so he/she can give you a grace period for your loan that takes into account your estimated duration of unemployment while you take your board exams.
InvestEd also gives student borrowers access to our Investee Success Program, as well as personalized coaching throughout the life of your loan, to help you find a job quickly and plan out your career goals.
Since interest will continue to accrue on your loan over any additional deferment period, we strongly recommend avoiding delays in repayment, and will work with you to prevent those instances through personal consultations and coaching.
We source lending capital for students from institutions and individuals. Our lenders have the option to choose which degree programs to support, so we may not always have available lending capital for certain courses. Rest assured, we are continually raising capital for more and more degree programs, in order to serve more students.
If your degree program is not currently eligible for a loan, contact us and we'll inform you immediately when lending capital for your degree program becomes available.