Back to School Loans Kenya 2026
Don't let school fees stress you out. Compare instant education loans for fees, uniforms, and supplies. Get your children back to school today.
School Fees Loan Options
Fuliza
Emergency small fees
M-Shwari
Term fees under 100K
KCB Education Loan
Large fees, multiple children
Equity Education
Secondary & university
HELB
University students
What School Loans Cover
Tuition Fees
Primary, secondary, college, and university fees
Boarding Fees
Accommodation and meals at boarding schools
School Supplies
Uniforms, books, stationery, and equipment
Tips for School Fee Loans
- Plan ahead: Apply before term starts to avoid last-minute stress
- Compare rates: HELB and SACCOs offer much lower rates than mobile loans
- Check school partnerships: Some banks have direct fee payment to schools
- Avoid over-borrowing: Only borrow what you need for school expenses
Frequently Asked Questions
How can I get a loan for school fees in Kenya?
You can get school fees loans through mobile apps (Fuliza, M-Shwari, Branch), banks (KCB, Equity education loans), HELB for higher education, or SACCOs. Mobile loans are fastest, disbursing within minutes.
What is the interest rate for school fees loans?
Rates vary: Mobile loans (1-15% monthly), bank education loans (12-18% p.a.), HELB (4% p.a.), SACCOs (10-12% p.a.). HELB offers the lowest rates for university students.
Can I pay school fees directly with a loan?
Yes, some banks like KCB and Equity can pay school fees directly to the institution. Mobile loans disburse to M-Pesa which you can then use for Pay Bill to schools.
Get School Fees Sorted Today
Compare education loans and find the best option for your family.