Is Invested.ph legit?
Yes. Invested.ph's website is on the SEC list of recorded online lending platforms. It is run by Educ4All Lending Inc (SEC Reg. No. CS201629776, CA No. 2714). The SEC list dated Sep 29, 2026 records "www. invested.ph". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, its website "www. invested.ph" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Educ4All Lending Inc, CS201629776 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 2714 (as printed by Invested.ph) | Its website |
| Price published | No rate on Invested.ph's website |
Invested.ph publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask Invested.ph for its Disclosure Statement before you accept, or compare apps that publish their price. Official site: invested.ph.
Student loans for tuition, gadgets, thesis, rent, board exam review and allowance. The website's estimate uses 2.42% a month on a diminishing balance; final terms depend on approval.
Should you borrow from Invested.ph?
You see Invested.ph's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip Invested.ph if
- you want to know the cost before you apply: it publishes no rate.
Invested.ph requirements, customer service and how to pay
- Requirements
- A short phone interview with a loan officer; Documents to verify your identity and the information you gave
- Not listed on its website
- Phone
- Not listed on its website
- Pay through
- The channels shown in the app for your loan
As Invested.ph lists them on its website. Use only these channels or the app itself. Source
If you cannot pay Invested.ph on time
On Invested.ph loans above ₱10,000 or longer than four months, the penalty is whatever your contract and Disclosure Statement say; the SEC's 5% a month cap covers only smaller, shorter loans. Educ4All Lending Inc's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
If that fails, report Educ4All Lending Inc to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
This page covers Invested.ph's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Invested.ph first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Invested.ph
Who owns Invested.ph?
Educ4All Lending Inc (SEC Reg. No. CS201629776), per the SEC list dated Sep 29, 2026.
What are the requirements for Invested.ph?
Invested.ph lists: A short phone interview with a loan officer; Documents to verify your identity and the information you gave.
Does Invested.ph call your contacts?
Educ4All Lending Inc may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Report it to the SEC on 14732.
Cheaper than Invested.ph for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.