Independent · BBB Accredited · United States
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Featured · Home Financing
Guidance absorbs natural-disaster losses on the home rather than billing the borrower - a real co-ownership protection no rubric line-item captures.
Featured · Business Financing
A member-owned nonprofit credit union financing homes, autos, and businesses nationwide through an Ijara (lease-to-own) structure, with programs for buyers with little or no credit history.
Featured · Investing
Offers halal investing through managed wealth portfolios and the Nasdaq-listed MNZL halal ETF, with holdings screened to AAOIFI standards under a Shariah Supervisory Board.
Differences that matter · Home financing
Three strong options. Compare what matters most.
Structure — Diminishing Musharakah · Ijara · Musharakah
Availability — 32–50 states
Oversight — Formal Shariah boards
| Provider | Guidance Residential | IjaraCDC | UIF |
|---|---|---|---|
| Grade | A | A | A |
| Structure | Diminishing Musharakah | Ijara | Musharakah |
| Availability | 35 states | All 50 states | 32 states |
| Oversight | |||
| Down payment | From 3%* | From 3%* | From 3%* |
*Minimum published down payment shown; terms vary by eligibility (0% VA/USDA via IjaraCDC).
Grades follow the HalalWallet Index methodology. Rankings are never paid.
Explore products by category, with Shariah assessment and oversight clearly labeled.
149 products · 8 categories · Free tools
Halal Verdicts
HalalWallet doesn't issue religious rulings. We compile what Shariah scholars, screening authorities, and mainstream standards say — reproduced from primary sources with dates and citations — and let you decide.
417 published verdicts covering stocks, apps, crypto, and financial practices.
Browse all verdictsAlphabet Inc. (GOOGL) passes our AAOIFI-based screen. Its core business is permissible, and (data as of 2026-03-31) interest-bearing debt is 1.8% of market cap and cash plus interest-bearing securities 2.9% — both inside the 30% AAOIFI thresholds. It is independently held by Shariah-screened ETFs SPUS and HLAL, confirming it passes professional screens. Ratios move with the share price, so check the data-as-of date; any incidental interest income should be purified.
View evidence & sourcesAmazon.com, Inc. (AMZN) passes the screens we can compute (data as of 2026-03-31) — interest-bearing debt / market cap 4.6%, cash + interest-bearing securities / market cap 5.5%, impermissible income / total revenue 0.6% — but one screen requires case-by-case judgment. It is not held by Shariah-screened ETFs SPUS or HLAL.
View evidence & sourcesPalantir Technologies Inc. (PLTR) does not pass Shariah screening: impermissible income / total revenue is 5.1% against the < 5% limit (data as of 2026-03-31). It is not held by Shariah-screened ETFs SPUS or HLAL. Screened alternatives exist in the same sector — see the halal stock screeners and ETF guides below.
View evidence & sourcesResearch & learn
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