Educ4all Lending Inc.

Educ4All Lending Inc.

Educ4All Lending Inc., formerly known as Edvestment Inc., is a Philippine lending company specialising in education financing. The company is registered with the Securities and Exchange Commission under SEC Registration No. CS201629776 and holds Certificate of Authority No. 2714. Its recorded online lending platform is InvestEd Philippines.

What Educ4All Lending Inc. does

Educ4All provides student loans and education-related financing through the InvestEd brand. The service is designed for Filipino students who need financial support for tuition, school equipment, accommodation, academic projects, or daily study-related expenses.

InvestEd offers financing for:

• tuition fees;
• laptops, tablets, and other gadgets;
• thesis expenses;
• dormitory or rental expenses;
• board exam review fees;
• food, transport, utilities, and other allowance needs.

For tuition and gadget loans, InvestEd normally pays the school, supplier, or merchant directly. Approved allowance financing may be released to the student in scheduled payments.

Brand operated by the company

The confirmed brand and online platform of Educ4All Lending Inc. is:

• InvestEd Philippines.

InvestEd is not a bank or a government student assistance programme. It is a private SEC-regulated lending service focused on education financing.

InvestEd loan terms

First-time borrowers may apply for up to PHP 40,000, subject to assessment and approval. The actual amount depends on the student’s educational expenses, academic background, employment information, household circumstances, guarantor details, and ability to repay.

The current website calculator shows the following indicative parameters:

• amount from PHP 5,000 to PHP 40,000;
• possible grace period from 2 to 12 months;
• repayment period from 6 to 28 months;
• estimated monthly interest starting at 2.42%.

The borrower FAQ states that the monthly interest rate generally ranges from 2.42% to 2.67%. InvestEd uses a diminishing-balance method, which means interest is calculated on the remaining unpaid principal rather than the original loan amount throughout the entire term.

The figures generated by the website calculator are estimates. The final loan amount, grace period, interest rate, service fee, monthly payment, and total repayment are shown in the individual loan offer before the borrower signs the agreement.

InvestEd states that all service fees and other charges are disclosed before acceptance. A late-payment fee of PHP 500 may apply when a scheduled payment is missed, together with the consequences stated in the individual loan agreement. Late or missed payments may also be reported to the Credit Information Corporation.

Who can apply

The published minimum requirements include:

• Filipino citizenship or residence in the Philippines;
• age of at least 18 years;
• current enrolment in a Philippine university or educational institution;
• proof of enrolment and academic status;
• a valid Philippine government-issued ID;
• proof of address;
• one or more acceptable guarantors, when required.

Some sections of the InvestEd website specify that the applicant should be in the last two years of college, while the borrower FAQ more broadly refers to undergraduate and postgraduate students enrolled in a CHED-accredited institution. Eligibility should therefore be checked through the online pre-assessment before documents are submitted.

How InvestEd works

The application is completed online and is free of charge.

The general process is:

1. The student creates an account and completes the online application.
2. InvestEd conducts an initial eligibility assessment.
3. A loan officer contacts qualified applicants for a telephone interview.
4. The applicant receives an indicative loan computation.
5. The student submits enrolment, identification, address, and guarantor documents.
6. InvestEd completes its credit and identity checks.
7. The borrower reviews and signs the loan agreement.
8. Approved funds are paid to the school, supplier, merchant, or other authorised recipient.

InvestEd states that applicants normally receive initial eligibility information within two to three business days. The complete application process may take approximately eight business days when all requirements are submitted promptly. Loan release may take another two to four business days after successful loan booking.

InvestEd application

InvestEd primarily operates through a web-based application rather than a separately confirmed Android or iPhone app.

Main website:

invested.ph

Online application and borrower account:

app.invested.ph

Applicants should use only these domains. A request to pay an advance deposit, registration fee, insurance fee, or processing fee before an application is assessed should be treated as suspicious.

InvestEd contact information

Website: invested.ph

Online platform: app.invested.ph

General enquiries: [email protected]

Loan and payment enquiries: [email protected]

Data protection enquiries: [email protected]

Business and institutional partnership enquiries: [email protected]

Funding partnership enquiries: [email protected]

Office and Data Protection Officer address: Second Floor, ABDC Building, Scout Rallos corner Scout Tuazon, Diliman, Quezon City 1103, Philippines

A current general customer service telephone number is not clearly published on the main website. Borrowers can use the contact form at invested.ph/contact or contact the company by email.