Student Loan Help Center

What is the InvestEd Student Loan?

The InvestEd Student Loan is the only comprehensive student loan program in the Philippines that allows you to take charge of your own education, and prepares you for repayment and future success through our specialized Investee Success Program.

I do not know much about loaning, how do I know InvestEd is the best option for me?

A loan is a long-term commitment, so it’s definitely best to prepare and learn more about it before entering into one. You can check out thislinkfor available education financing options in the Philippines, or the table below for a summary of each and the typical barriers students encounter when loaning from them.

PropertyInterest RatesMax Financial AidBarriers
Banks16%-24% per annum₱300,000• Immediate repayment. • Must be employed. • “No credit card, no loan”
CHED Student Loan6% per annum₱15,000 per year• Offline and inconvenient application • Need to provide parents’ income tax return and other government documents
GSIS, SSS Educational Loan6% per annum₱20,000• Immediate repayment only • Parents must be members and must have paid at least 12 contributions • Monthly salary not more than ₱25,000 per month
Private Lending and MFIs18%-42% per annum₱30,000• Immediate repayment only Must be employed
RelativesN/ANo Limit• Not always available. • Ruins relationships
Loan Sharks120%-360%No Limit• Immediate repayment only. • Extremely high interest rates • Predatory

At InvestEd, we offer students three main advantages to address the barriers found in most education financing options:

  1. An Easy, Free, and Convenient Application through our mobile app or online website;
  2. Customizable Payment Plans that allow you to pay immediately or after graduation, and;
  3. A Borrower Success Program to help you succeed in career and repayment!

What is the Investee Success Program?

The Investee Program is an exclusive financial management and career development training program that prepares you for future leadership and success. Student borrowers who have been approved for the InvestEd Student Loan are automatically guaranteed exclusive access to our digital modules, that will teach you important tips and tools as you graduate from college and begin your career.

What are the minimum eligibility requirements to apply?

At the minimum, you must meet the following requirements to apply for a Student Loan.

  1. Be a Filipino citizen or resident of the Philippines
  2. Be at least 18 years old
  3. Must be in last two years of college
  4. Must be enrolled in a university in the Philippines

How do I apply for the InvestEd Student Loan?

Sign up for an account on our websitehereand complete the application form. You will receive notice of the results of your application and next steps in 2-5 business days.

Can I apply for a Student Loan for my studies abroad?

Currently, we can only accommodate loans for college students studying in the Philippines.

What are the application requirements?

Fill out our online application form. Once you have qualified for a loan, you will be asked to send the following

  • Valid and current school ID
  • Copy of your NSO birth certificate
  • Proof of your present address (most recent electricity/water/internet billing statement)
  • A copy of ALL your grades since you were in college
  • Government ID
  • Barangay or NBI clearance
  • Proof of enrollment for the current school term

When do I start repayment?

InvestEd offers customizable payment plans depending on your needs. Our basic plan allows you to begin repayment of your student loan once you have graduated. However, you and/or your parents may opt to start paying anytime before graduation, to decrease the overall payments you will need to make on your loan.

What does the student loan cover?

The student loan may cover all education-related expenses, subject to InvestEd’s approval. This may include tuition, daily stipend, miscellaneous school fees, laptops and gadgets, project expenses, and more.

How much can I borrow?

Student applicants can receive as much as ₱100,000 for their loan, depending on their application credit scoring, financial need, year in school, and other factors. Once you have passed the screening process, your loan officer will inform you of your approved loan limit.

How long is the application processing time?

Ultimately this will depend on the volume of applications in every cycle. On average, we process and give results within 3-7 working days.

How do I receive my loan funds?

Tuition is directly paid by InvestEd to your school. The remaining loan amount is released on a per need basis or in scheduled disbursements. For school materials, equipment and/or gadgets, we require a canvass report before disbursement and proof of purchase after disbursement, and may require that the disbursement be made directly to the supplier.

Are there any fees associated with my loan?

Yes, InvestEd charges a service fee of 22% of your education loan, or P3000, whichever is higher, that is added to your principal loan amount. For example, if your education need is P30,000, our service fee is P6,600 (22% of P30,000). 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. This fee is also only required to be paid after you graduate.

How much is the interest?

At InvestEd, your loan will interest at 2.25%-2.93% per month. This is cheaper than most private lenders who have rates of 3% up to 30% per month, and often require payment to start immediately.

How much will my monthly installments be after graduation?

Your monthly installment will depend on your principal loan amount, graduation year, and payment term, among other loan variables. You can check out our sample monthly payments below, which assumes a 2.92% per month interest rate for a student loaning for their final year:

Monthly Payment (₱)Total Loan Amount (₱)12 monthly payments after graduation18 monthly payments after graduation24 monthly payments after graduation36 monthly payments after graduation48 monthly payments after graduation15,0002,0241,4621,18591678920,0002,6991,9491,5801,2211,05230,0004,0492,9242,3701,8321,57840,0005,3983,8993,1602,4432,10450,0006,7484,8733,9503,0532,631
*Estimate for students loaning in their final year of college. This is meant to be a sample only and may be subject to change depending on other loan factors.**Total Loan Amount includes education need and InvestEd service fees.

How do I pay my monthly installments?

InvestEd partners with institutions to provide you with several avenues for repayment, including auto-debit from your bank account, online and offline bank payments, bayad centers, pawnshops, convenience stores, and more.

What if I still need to take my board exam or don’t have a job immediately after graduation?

Students who plan to take board exams may request an extended grace period, or may request to only pay interest that is accrued on their loan for the period. We recommend that you inform your loan officer at application if you are planning to take the 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 to repayment, and will work with you to prevent those instances through personal consultations and coaching.

How do I review information about my Student Loan?

Our loan officers are available to answer any questions you may have about your loan. Feel free to message us via our website chat (lower right) or through our facebook page at

My degree program is not eligible for a student loan.

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 usand we'll inform you immediately when lending capital for your degree program becomes available.

How secure is my information?

InvestEd is fully compliant with the Data Privacy Law. All information you provide to InvestEd for the purpose of your loan application is kept private and secure. See ourPrivacy PolicyandTerms of Service here.

Does InvestEd have a lending license?

Yes. InvestEd is operated by EDUC4ALL LENDING INC., a corporation that has been granted a lending license by the SEC. Our Certificate of Authority to Lend and Certificate of Incorporation is available upon request. InvestEd is also duly registered with BIR and complies with all tax requirements. Our Annual Audited Financial Statements and Income Tax Returns are available upon request for all official lenders.

InvestEd is also compliant with the Truth in Lending Act (R.A. 3765). This means that we give full disclosure to all our student borrowers regarding all costs involved with their loan. This includes (1) the cash price or delivered price of the service to be acquired (2) The amounts, if any, to be credited as down payment and/or trade-in (3) The difference between the amounts set forth under clauses (1) and (2) (4) The charges, individually itemized, which are paid or to be paid by such person in connection with the transaction but which are not incident to the extension of credit (5) The total amount to be financed (6) the finance charges (7) the percentage that the finance bears to the total amount to be financed expressed as a simple annual rate on the outstanding unpaid balance of the obligation.