halal
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Mufti-led halal finance
Every halal rate. Reviewed by a Mufti.
Compare 95+ Sharia-compliant financial products, browse vetted Islamic investment opportunities, and ask Mufti Saad your finance questions directly. The only halal finance platform led by a Mufti.
The Mufti
Mufti Saad
Lead Sharia Authority, HalalRates
"Every product listed has my personal review. Every investment opportunity passes through my desk. If it's not halal, it's not here."
AAOIFI-certified
View credentials →
Live Q&A every Friday
    95+
    Mufti-reviewed products
    37+
    Vetted providers
    50
    States covered
    $0
    To compare and learn
What we do
Three things, done properly.
01
Compare
Every halal mortgage, savings account, ETF, and takaful policy in the US, side by side. Each one personally reviewed by Mufti Saad.
Browse all products
New
02
Invest
Curated halal investment opportunities sourced and underwritten by our investment team, then signed off by the Mufti before listing.
See live opportunities
03
Ask
Search the public archive of Mufti Saad rulings. New questions queue for the next Friday Q&A or recording session.
Ask Mufti Saad
Live opportunities
Invest where the Mufti has signed.
Our investment team sources real estate, sukuk, and growth deals. The Mufti reviews each contract before listing. Only the ones that pass both gates make it here.
How we vet
Open
Detroit Multi-Family Portfolio
Vetted by HalalRates Investment Team
Target return
14.2%
Structure
Musharakah
Term
5 years
Minimum
$25,000
Open
Texas Industrial Real Estate Sukuk
Vetted by HalalRates Investment Team
Target return
9.8%
Structure
Sukuk al-Ijara
Term
7 years
Minimum
$50,000
Closing soon
Halal Tech Growth Fund III
Vetted by HalalRates Investment Team
Target return
18.5% IRR
Structure
Mudarabah
Term
8 years
Minimum
$100,000
Coming soon
Opportunities open in waves.
Live deals are gated to a closed group of early investors right now. Join the waitlist and we'll email you when the next wave opens.
One email when access opens. No newsletter spam.
Opportunities open in waves during the closed-beta phase. Subject to Mufti review and investment team underwriting. Past performance does not guarantee future results.
Coverage
The full halal financial life.
Home Financing
3+ top picks
Compare 7 Islamic mortgage providers side by side. Musharakah, Ijara, and Murabaha structures.
Halal American Dream
Coming soon
Your full halal home-buying team. Lender plus license-verified Muslim real estate agent plus halal-vetted home, life, and auto coverage.
Investing
4+ top picks
Compare halal mutual funds, ETFs, robo-advisors, and stock screeners.
Banking
3+ top picks
FDIC-insured halal banking. Compare interest-free checking and savings.
Business Financing
3+ top picks
Commercial halal financing for working capital, equipment, multifamily, and development.
Auto Financing
3+ top picks
Halal vehicle financing without riba. Compare Murabaha and Ijara auto structures.
Retirement
3+ top picks
Sharia-compliant 401(k), IRA, and Roth options.
Wills and Estate
4+ top picks
Islamic wills, Faraid-compliant inheritance distribution, and trust planning.
Insurance and Takaful
3+ top picks
Cooperative takaful coverage and Mufti-vetted alternatives to conventional insurance.
Zakat Hub
Coming soon
Calculate your zakat across cash, stocks, retirement accounts, real estate, business assets, and crypto.
Halal Certifications
3+ top picks
Third-party halal certification bodies that audit food, products, and processes against Islamic dietary and ethical standards. Used by manufacturers, restaurants, and retailers.
Education Financing
1+ top picks
Halal financing for tuition, education expenses, and student loans. Qard Hasan and other riba-free structures from non-profit lenders.
Personal Loans
1+ top picks
Halal personal loans for individual needs. Qard Hasan structures from credit unions and community lenders.
The Mufti review process
What "Mufti-approved" actually means.
Our Muftis review the evidence and decide. The ruling is HalalRates'.
01
Gather the evidence
We assemble publicly available information on the provider and product, existing fatawa, the provider's verified independent Shariah advisory board, and AAOIFI certification where present. When the actual contract and fee schedule are accessible, those go into the file too.
02
Investment team underwrites
For investment opportunities, our investment team adds full financial diligence: cash flow models, sponsor checks, market validation. Skipped for standardized products like mortgages or bank accounts.
03
HalalRates Muftis review
Our Muftis evaluate the assembled evidence against both the provider and the product. Both sides have to meet their satisfaction. The review looks for any clauses that invoke riba, gharar, or maysir, and weighs the structure against AAOIFI Sharia Standards.
04
Ruling and tier
A halal-status ruling is issued, the tier is published, and the reasoning is publicly stated on the listing card. Tier reflects the depth of review (see the 4-tier system) so users can calibrate trust without reading the fine print.
Reviewed against AAOIFI Sharia Standards:
No. 1
No. 8
No. 9
No. 12
No. 13
No. 17
No. 21
No. 26
No. 35
View catalog →
From the blog
Editorial, fresh weekly.
Explainer
·
May 9, 2026
How AAOIFI Standard 21 Stock Screening Works: The Two-Layer Method
AAOIFI Standard 21 stock screening has two layers: business activity (no riba, alcohol, gambling, etc.) and financial ratios (debt, interest income, cash thresholds). Walked through.
5 min read →
Explainer
·
May 9, 2026
Sukuk vs Conventional Bonds: 5 Structural Differences Explained
Sukuk pay regular distributions like bonds but are structurally distinct. Five differences: asset backing, ownership, profit share basis, default treatment, and tradability.
4 min read →
Explainer
·
May 9, 2026
Reading a Halal Mortgage Truth-in-Lending Statement: A Walkthrough
Halal mortgage Truth-in-Lending disclosures look identical to conventional ones on the surface. Here is what to look for in the principal, payment schedule, and structure-specific fees.
5 min read →
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halal
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