Zoya Halal Finance Options
Reviewed quarterly and updated for major content changes.
Zoya offers halal financial products and services designed to align with Islamic principles. These options provide alternatives to conventional interest-based financial products, using structures like Murabaha (cost-plus sale), Ijara (lease-to-own), and Musharakah (partnership) to help you access financing, banking, and investment services while staying true to your values.
When considering products from Zoya, it's important to review their Shariah compliance documentation, understand the specific structures they use, and verify how they ensure their products align with Islamic principles. Learn about our methodology for evaluating halal finance providers. Product structures, oversight mechanisms, and compliance approaches may vary, so reviewing provider materials and consulting with qualified Islamic finance advisors can help you make informed decisions.
Availability, terms, eligibility requirements, and pricing can vary by product type and location. Always verify current product details, terms, and availability directly with Zoya before making financial decisions. Our listings are based on publicly available information and may not reflect the most current offerings or requirements.
About Zoya
Zoya is a halal stock screening and investing platform that allows users to check the Shariah compliance status of individual stocks and ETFs. Using AAOIFI-aligned screening criteria, Zoya evaluates companies based on business activity, financial ratios, and interest income. The platform also offers a brokerage account for halal self-directed investing.
Shariah Oversight: AAOIFI-aligned screening methodology with named Shariah advisor
- Check any stock's halal status instantly with AAOIFI-based screening
- Built-in purification calculator for borderline income
- Brokerage account for self-directed halal stock trading
- Both free and premium tiers available
Products from Zoya
Why It's Halal
Zoya’s Shariah Advisory Board, led by AAOIFI-certified scholar Sheikh Joe Bradford (CSAA) and Sheikh Umer Khan, ensures all stock screening follows AAOIFI standards.
Zoya
Sharia Compliance Stock Screening
Screen thousands of investments for Sharia compliance
Opens provider site — no obligation
Zoya
Zakat Calculator
Tool to calculate and manage your annual Zakat
Opens provider site — no obligation
Zoya
Brokerage Account Integration
Link your existing brokerage account to monitor your current holdings within Zoya
Opens provider site — no obligation
Where Available
Based on listings we track, Zoya operates nationwide:
Nationwide availability
Availability may vary by product type. Always verify current availability directly with Zoya.
How We Compare
- • We review publicly available information from providers, including Shariah compliance documentation.
- • We compare financing structures, total costs, down payment requirements, and state availability.
- • We prioritize providers that clearly explain their halal compliance rationale and operate with transparency.
- • We note which products are available nationwide versus regionally.
- • Learn more about our methodology.
Quick Answer
Zoya offers halal financial products that comply with Shariah principles, avoiding interest (riba) and prohibited industries. Their products are available in 1 state and include Investing, Zakat Calculator options.
Key Takeaways
- Zoya offers Shariah-compliant financial products that avoid interest and prohibited industries.
- Products are available in 1 state: Nationwide.
- Product categories include Investing, Zakat Calculator.
- Always verify compliance directly with Zoya and consult qualified Islamic finance advisors when needed.
- Compare Zoya's products with other providers to find the best fit for your needs.
Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.
Sources and review process
This page is reviewed against HalalWallet editorial standards and source documentation.
Reviewed by: HalalWallet Editorial Team
Last reviewed: 2026-03-09
How to cite this page
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For time-sensitive claims (rates, fees, state availability), please verify directly with the provider's official documentation and note the retrieval date.
Related Guides
Frequently Asked Questions
What types of halal products does Zoya offer?
Zoya offers 3 products across 2 categories. Specific product types, terms, and availability can vary. Review the products listed above or contact Zoya directly for current offerings.
How do I verify Zoya's Shariah compliance?
Review Zoya's publicly available Shariah compliance documentation, understand the product structures they use, and check for independent oversight or Shariah board involvement. Always verify compliance directly with Zoya and consult with qualified Islamic finance advisors for guidance on specific products.
Is Zoya available in my state?
Zoya operates nationwide, though specific products may have regional limitations. Always verify current availability directly with Zoya.
How do I contact Zoya?
Contact information for Zoya should be available through their website or the product listings above. Use the action links provided with each product to visit Zoya's website or contact them directly for more information.
Are Zoya's products more expensive than conventional options?
Halal financing structures can have different fee structures compared to conventional products. Some options may be competitive with conventional rates, while others may have different cost structures. Pricing varies by product type, location, and individual circumstances. Always compare total costs and terms when evaluating options.