Earn 8-10% Returns While Helping Students
Turn your idle savings into meaningful returns. Fund Filipino students' tuition and earn monthly payments while making a real difference.
Why Invest with HatidAral?
8-10% Annual Returns
Better than savings accounts, time deposits, and most bonds
Secured Investment
Post-dated checks + guarantor + notarized contracts
Monthly Collections
Receive payments every month, not at the end of the term
Make a Difference
Your money directly helps Filipino students get educated
How Lending Works
1. Sign Up
Create your lender account and complete identity verification
2. Browse Opportunities
View verified borrower applications and choose who to fund
3. Fund & Sign
Transfer funds and sign the notarized loan agreement
4. Collect Returns
Receive monthly payments directly to your account
Your Investment is Protected
We've built multiple layers of protection to minimize your risk
Verified Borrowers
Every borrower undergoes income verification, employer verification, and identity checks before they can apply
Guaranteed Guarantor
All loans require a co-signer who is jointly liable. We verify their income and contact them before approval
Post-Dated Checks
Borrowers provide checks for every payment. If they default, checks can be deposited and bounced checks carry criminal liability
Notarized Contracts
All loan agreements are legally notarized, making them court-admissible and legally enforceable
Direct School Payment
Funds go directly to the school, not to the borrower. This ensures money is used for education
Professional Collections
We handle all payment reminders, follow-ups, and collections so you don't have to
Compare Returns
Common Questions
What if a borrower defaults?
We have multiple layers of protection: post-dated checks (bouncing is a criminal offense in PH), a verified guarantor who is jointly liable, and notarized contracts that are court-enforceable. Our current default rate is below 5%.
How do I receive my returns?
You receive monthly payments directly to your GCash or bank account. We handle all collections and only charge a small platform fee.
What's the minimum investment?
The minimum investment depends on the tuition amount needed, typically starting from PHP 15,000. Most loans range from PHP 30,000 to PHP 80,000.
Can I choose which students to fund?
Yes! You can browse all approved applications, view their details (school, income verification status, guarantor info), and choose which ones you want to fund.