How HatidAral Works
A simple, transparent process to help you finance your child's education in the Philippines.
For Parents & Students
1. Apply Online
Fill out our simple application form with your school assessment, income proof, and valid ID. Takes about 15 minutes.
2. Verification
Our team verifies your documents, calls your employer and guarantor. This usually takes 1-2 business days.
3. Get Matched
Once approved, we match you with a lender. You sign the contract and provide post-dated checks.
4. Enroll & Pay
Tuition is paid directly to your school. You pay monthly installments for 6-24 months.
What You'll Need
Valid Government ID
PhilSys, Driver's License, Passport, SSS, GSIS, etc.
School Assessment
Official billing statement or assessment from your school
Proof of Income
Latest payslip, Certificate of Employment, or ITR for self-employed
Guarantor/Co-signer
A family member or trusted person who can co-sign the loan
Post-Dated Checks
Checks for each monthly payment (required for all loans)
Selfie with ID
A clear photo of yourself holding your valid ID for verification
Typical Timeline
Submit Application
Complete the online form and upload your documents
Document Review
Our team reviews your documents and verifies information
Approval & Matching
Get approved and matched with an available lender
Contract Signing
Sign the promissory note and submit post-dated checks
Tuition Payment
Funds are transferred directly to your school
Safe & Secure
We take security seriously. Your data is protected and all transactions are secure.
Verified Users
All borrowers and lenders go through identity and income verification
Transparent Terms
Clear interest rates, no hidden fees, everything upfront before you sign
Direct to School
Tuition is paid directly to the school, not to borrowers