InvestEd Student Loan Help Center

What is InvestEd?

We are a globally-awarded impact business who envisions a world where every young dreamer has no barrier to success. Since our inception in 2016, we have supported thousands of Filipino under-resourced youths in their journey from education to adulthood with our accessible and affordable student loans. For more news about InvestEd, visit InvestEd Blog.

What are the products and services available?

We offer various educational financing options that cater to every student's tuition, gadget, allowance, thesis, or rent needs.

Are you SEC Registered?

Yes, EDUC4ALL LENDING INC. (InvestEd Philippines) is a duly registered corporation in the Philippines under the Securities and Exchange Commission, registered on December 21, 2016 with registration number CS201629776 and Lending Certificate of Authority No. 2714.

How secure is my information with InvestEd?

InvestEd is fully compliant with the Data Privacy Law and regularly vets systems and algorithms used to process loan applications. All information you provide to InvestEd for the purpose of your loan application is kept private and secure and can be deleted upon your written request. See our Privacy Notice & Terms of Use.

What is Credit Information Corporation (CIC)?

The CIC is the public credit registry and repository of credit information in the Philippines. Republic Act No. 9510 or the Credit Information System Act (CISA) authorizes the CIC to receive and collate basic credit data from the following entities into credit reports:

      • Banks (universal, commercial, thrift, and rural)
      • Credit card companies
      • Private leasing and financing companies
      • Government-lending institutions (GSIS, SSS, and Pag-IBIG Fund)
      • Cooperatives and cooperative banks
      • Microfinance institutions
      • Telecommunications companies
      • Insurance companies and mutual benefit associations
      • Utility companies (electricity, cable providers, etc.)

What is recorded in my Credit Report?

Credit reports contain three types of information:

    • Personal and/or business accounts
    • Loan accounts
    • Credit card accounts, installment, and/or non-installment contracts

    Credit reports include both positive data (timely debt payments) and negative data (late payments or non-payments).

    How can I be eligible for an Investee Loan?

    At the minimum, you must meet the following criteria to apply for a loan:

      • Be a Filipino citizen
      • Be at least 18 years old
      • Be enrolled in an undergraduate or postgraduate degree and can present proper documentation of enrollment status
      • Be enrolled in a CHED-accredited university or institution

      How to apply?

      To start an application, you must register here. You will find out if you're eligible for loan and the next steps of the application in 2-3 business days.

      Please note that the whole application process takes about 8 business days, provided that students are responsive and ready with their requirements. The loan is released after 2-4 business days upon successful booking of the loan.

      How much can I borrow?

      First-time borrowers can loan up to Php 40,000, subject to the assessment and approval of InvestEd's Admissions Team. Loan amounts are evaluated based on your educational need, educational and/or employment background, and other household details. These multiple factors are considered to come up with a loan offer that best matches your needs and capacity to fulfill your financial obligations with InvestEd in a timely manner.

      Once a part of the Investee community, you may apply for an additional or alumni loan and avail lower interest rates, a privilege extended to active Investees with good repayment record.

      How much is the interest?

      The monthly interest rate ranges between 2.42% to 2.67%. This is cheaper than most private lenders who have rates of 5% up to 30% per month, and often require payment to start immediately.

      Can I have 2 loans at the same time?

      Yes. However, approval is dependent on your repayment behavior and the remaining number of months you have yet to pay in your previous loan.

      Can I pay my loan early?

      Yes, you may pay ahead of your due date. This is, in fact, encouraged. It will be considered an advance payment and will be posted to the corresponding month it is intended.

      Can I pre-terminate my loan?

      Yes, you may pre-terminate your loan. You just need to settle your total outstanding balance and send a copy of your receipt.

      When is repayment due?

      Monthly payments are due one month after the grace period ends. In case the due date falls on a weekend or holiday, payment deadline will still be on the same day. It is highly encouraged that the payment be settled before the due date. Remember that your due date is the last day you are permitted to pay without incurring penalty fees.

      What if I can't pay on the day of the deadline, when should I inform?

      You should notify your Collections Officer through their respective Facebook account 5 days before the deadline so that they can assist you with a possible solution. However, informing beforehand does not guarantee that you will be ecxused. The decision to excuse you will lie upon the discretion of the Repayment Team. Notifying us late or after your deadline will be automatically considered unexcused and charged with a late payment fee of Php 500, as stated in Section 6 of your InvestEd Loan Agreement.

      What is the effect of delayed payment?

      You will be marked delinquent and it will affect your payment history, which is monitored every month by Collection Officers. A bad record in your credit report, which we submit to the Credit Information Corporation or CIC, can have a negative impact on your eligibility for future loans with other banks, micro-finance lenders, etc.

      What is the effect of missed payment?

      When you miss a payment, all unsettled amount will be added to your outstanding balance before interest accrues. For example, your monthly due is Php 2,000, and you have a current balance of Php 10,000. If you miss paying this month, interest will accrue on the total sum of your monthly due and current outstanding balance (in this case, your monthly due and current outstanding balance equal to Php 12,000). The same manner of computation will apply for underpaid or partial payments.

      Additionally, a late payment fee of Php 500 will be charged, as stated in Section 6 of the InvestEd Loan Agreement, and you will be marked as delinquent, which will show in your payment record.

      What is delinquency status?

      A deliquency status is warranted in the event of partial, late, or missed payments. The loan remains delinquent until a payment is made to cover the past due amount. Delinquency has different stages and each stage merits a corresponding action depending on the number of days that the payment is past due.

      Can I extend my Grace Period?

      No, you may not. This is because your loan was computed, with the grace period in mind.

      What if I'm a good borrower? What are the perks waiting for me?

      If you always pay on time or in advance and no deferment of loans, you can be eligible for additional financing in the form of our additional or alumni loans. You can use the funds for business, housing, or emergencies, or other school needs. On top of this, if you remain to be an active Investee, you will continue to be granted access to various personal or professional development opportunities offered by InvestEd and its network of partners.

      Will I receive a proof once I have fully paid my loan?

      Yes, you will receive a proof of completion of payment, or what we call a 'Certificate of Achievement', via email once your account is validated.

      Can I request for change of due date?

      Yes, but this is subject for approval by your Collections Officer, provided that you have a valid reason and proof. Once approved, you will be notified and its effectivity is on the next month upon request.

      Can I apply for another loan once I have fully paid my current/existing loan?

      Yes, once you have fully paid your current loan, you will be eligible for an alumni loan with lower interest rates and service fee.