Independent provider profile on HalalWallet — products, fees, Shariah oversight, state availability, user reviews, and editorial rating. Published by HalalWallet (halalwallet.us).
Zoya Review — Halal Finance Products
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, Ijara, and Musharakah.
Opens provider's site — no obligation
HalalWallet 2026 Review
Zoya — At a Glance
3
Products Reviewed
50
States Served
2
Categories
2020
Founded
Our Verdict
Zoya is a strong platform for Muslim investors who want to pick their own stocks and verify compliance themselves. The screening tool provides detailed breakdowns, the purification calculator is useful, and the brokerage account lets you research and trade in one place.
Pros & Cons
What We Like
- Comprehensive halal stock screener — screens thousands of stocks against AAOIFI-aligned criteria
- Detailed compliance breakdown shows exactly which ratios pass/fail and why
- Built-in purification calculator to track non-compliant income from borderline holdings
- Brokerage account for halal stock trading (Individual, IRA, Roth IRA)
- Free tier available for basic screening; premium at $14.99/month or $119.99/year
- Portfolio monitoring alerts you if a holding falls out of compliance
What Could Be Better
- Not suitable for passive investors — Zoya is built for people who want to pick their own stocks
- Premium subscription required for full screening details
- Brokerage account is newer and may not have all features of established platforms
- No managed portfolio option — you're responsible for asset allocation
Who Is Zoya Best For?
Self-directed Muslim investors
Zoya gives you tools to research, screen, and trade halal stocks independently
Active stock pickers
Detailed ratio breakdown helps you understand compliance reasoning, not just pass/fail
Investors tracking purification
Zoya's purification calculator tracks obligations across your portfolio
Detailed Analysis
Zoya provides AAOIFI-aligned screening for thousands of publicly traded companies, evaluating business activity (what the company does), financial ratios (debt levels, interest income), and revenue sources.
What distinguishes Zoya is the depth of the compliance breakdown. For each stock, Zoya shows which screening criteria it passes or fails and the specific financial ratios involved. This transparency helps investors understand the compliance reasoning.
The brokerage account (supporting Individual, IRA, and Roth IRA) lets you research compliance and trade in the same platform. The brokerage is relatively newer, so compare features with established platforms for your needs.
How It Works
Zoya is an investment research and brokerage platform. You use Zoya to screen stocks for Shariah compliance, then buy them through Zoya's brokerage or your existing brokerage. Screening follows AAOIFI-aligned methodology.
Shariah Compliance Review
Oversight Level
Review details on provider's website
Zoya uses AAOIFI-aligned screening criteria evaluating companies on business activity, financial ratios (debt, interest income, receivables thresholds), and revenue sources.
The screening methodology is reviewed by a named Shariah advisor.
Shariah compliance should always be verified directly with Zoya. HalalWallet reports publicly available oversight information but does not issue fatwas or certify compliance.
How It Compares
vs. Wahed Invest
Wahed manages your portfolio automatically. Choose Wahed for convenience, Zoya for control.
vs. Musaffa
Musaffa offers similar screening. Zoya's advantages include the integrated brokerage and purification calculator.
Bottom Line
Zoya is a strong halal stock screening platform for self-directed Muslim investors. If you want to research and pick your own stocks with Shariah compliance confidence, Zoya provides the tools. If you prefer managed portfolios, look at Wahed instead.
Products from Zoya
Zoya
Zakat Calculator
Tool to calculate and manage your annual Zakat
Opens provider site — no obligation
Zoya
Zoya Stock Screener
Screen thousands of investments for Sharia compliance
Opens provider site — no obligation
Zoya
Zoya Brokerage 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.
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.
- 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
Preferred format:
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. Zoya is best for self-directed muslim investors; active stock pickers; investors tracking purification. Review the products listed above or contact Zoya directly for current offerings.
How does Zoya ensure Shariah compliance?
Zoya uses AAOIFI-aligned screening criteria evaluating companies on business activity, financial ratios (debt, interest income, receivables thresholds), and revenue sources. The screening methodology is reviewed by a named Shariah advisor.
Is Zoya available in my state?
Zoya operates nationwide, though specific products may have regional limitations. Always verify current availability directly with Zoya.
What are alternatives to Zoya?
There are several alternatives to Zoya. Wahed Invest: Wahed manages your portfolio automatically. Choose Wahed for convenience, Zoya for control. Musaffa: Musaffa offers similar screening. Zoya's advantages include the integrated brokerage and purification calculator.
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.
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.
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