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 of recorded online lending platforms, Sep 29, 2026
Requirements Customer service How to pay
| 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 |
We could not confirm Invested.ph's interest rate from the sources checked. Ask for the rate, all fees and total repayment in your Disclosure Statement before accepting a loan.
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?
Without a confirmed rate for Invested.ph, we cannot tell whether it is cheaper than another lender. For comparison, Pocketcash (Elending)'s published terms give a cost of ₱300 for ₱5,000 over 120 days; compare this with your actual offer.
Skip Invested.ph if
- you need a confirmed total cost before applying: the sources checked do not provide a 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.
Compare published costs for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
| App | Most you pay back | Lends | Approval needs | Downside |
|---|---|---|---|---|
| Pocketcash (Elending) | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees) | ₱1,000 to ₱50,00091 to 360 days | Resident of the Philippines; At least 18 years old | None in Pocketcash (Elending)'s published terms |
| Vplus | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 interest | ₱1,000 to ₱50,00091 to 180 days | One valid ID | None in Vplus's published terms |
| Pesos.ph | ₱5,39524% a year × 120/365 days × ₱5,000 = ₱395 interest | ₱1,500 to ₱50,00091 to 180 days | At least 18 years old | None in Pesos.ph's published terms |
