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Zoya Finance vs Wahed Invest: Islamic Finance Comparison

Zoya Finance

4.6
VS

Wahed Invest

4.6

Zoya Finance

Profit Rate

Contact for rates

Min Down

Contact

States

All 50

Verified

Yes

investinginvesting

Wahed Invest

Profit Rate

Contact for rates

Min Down

Contact

States

All 50

Verified

Yes

investinginvesting

Detailed Rating Comparison

Zoya FinanceCategoryWahed Invest
4.6

Overall Score

4.6
4.5

Sharia Compliance

4.9
4.8

Transparency

4.5
4.4

Customer Service

4.4

States Served

Zoya Finance — All 50 States

🌎 Nationwide coverage

Available in all 50 US states

Wahed Invest — All 50 States

🌎 Nationwide coverage

Available in all 50 US states

Fair Meridian Verdict

Zoya Finance

San Francisco-based halal stock screener app founded 2020. Screens 12,000+ US, UK, and Canadian stocks using AAOIFI methodology. Over $1 billion in assets managed by Zoya users. In Independently rated 4.6/5 with particularly strong scores on Sharia compliance.

Wahed Invest

The largest Sharia-compliant robo-advisor in the world. Wahed Invest offers halal investing through diversified portfolios of ethical stocks, sukuk, and gold — available to all US Independently rated 4.6/5 with particularly strong scores on Sharia compliance.

* Ratings based on independent editorial review. We may receive a referral fee if you apply through our links — this does not affect our ratings.

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Fair Meridian Verdict: Zoya Finance vs Wahed Invest

Zoya Finance

Zoya Finance is our top recommendation for self-directed Muslim investors who want to screen individual stocks for Sharia compliance. Its AAOIFI-based methodology, 12,000+ stock coverage, Zakat calculator, compliance alerts, and brokerage integration make it the most comprehensive halal stock screening platform available to US investors in 2026.

Full review

Wahed Invest

Wahed Invest is our top recommendation for US Muslim investors seeking Sharia-compliant wealth growth. Its AAOIFI certification, SEC registration, $100 minimum, and professional portfolio management make it the most accessible and credible halal investing platform in the US. Not a mortgage provider — purely for investment savings.

Full review

Ratings based on independent editorial research. No provider pays to receive a higher score.

Who Should Choose Each Provider?

Choose Zoya Finance if…

  • You are buying in any of the 50 US states
  • You are buying near San Francisco and want in-person service
  • San Francisco-based halal stock screener app founded 2020

Choose Wahed Invest if…

  • You are buying in any of the 50 US states
  • You want AAOIFI — the international gold standard for Islamic finance certification
  • You are buying near New York and want in-person service
  • The largest Sharia-compliant robo-advisor in the world

Frequently Asked Questions

Zoya Finance and Wahed Invest are equally rated in our independent assessment. The best choice depends on your state availability, preferred financing structure, and down payment.

Yes. Zoya Finance is licensed in all 50 US states.

Yes. Wahed Invest is licensed in all 50 US states.

Zoya Finance: San Francisco-based halal stock screener app founded 2020. Screens 12,000+ US, UK, and Canadian stocks using AAOIFI methodology. Over $1 billion in assets managed by Zoya users. Includes Zakat calculator and brokerage integration for commission-free halal investing. Wahed Invest: The largest Sharia-compliant robo-advisor in the world. Wahed Invest offers halal investing through diversified portfolios of ethical stocks, sukuk, and gold — available to all US investors. See the full rating breakdown and product comparison above.

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