Everything you need to know about HELB loans in Kenya. Application process, eligibility criteria, allocation, repayment terms, and how to check your loan status. Updated October 2025.
The Higher Education Loans Board (HELB) is a state corporation established to provide affordable loans and scholarships to Kenyan students pursuing higher education. Since its establishment in 1995, HELB has helped millions of students access university, college, and TVET education who would otherwise be unable to afford it. The loans cover tuition fees, upkeep, and other educational expenses at very subsidized interest rates.
Up to KES 60K
Per academic year
4% p.a.
Highly subsidized rate
After Graduation
1 year grace period
To qualify for a HELB loan, you must meet specific criteria set by the Board. Understanding these requirements before applying helps avoid disappointment and saves time.
Note: Meeting eligibility criteria does not guarantee loan award. HELB receives more applications than available funds, so loans are allocated based on need-assessment and available budget.
HELB loan application is done online through the HELB portal. The process is straightforward if you have all required information ready. Applications are typically open from September to November for the following academic year.
Visit the official HELB website (www.helb.co.ke) and click on "Create New Account". Provide your National ID number, names as per ID, mobile number, and email address. Create a secure password. You'll receive an activation code via SMS.
Required: Valid ID, active phone number, email address
Log into your HELB account and fill in personal details section including date of birth, gender, county of origin, constituency, and disability status if applicable. Ensure all information matches your official documents exactly as inconsistencies can delay processing.
Tip: Have your ID and birth certificate ready for reference
Provide details about parents/guardians including names, ID numbers, occupation, income level, and contact information. This section is crucial for means-testing and allocation determination. Be honest as information may be verified.
Important: Accurate family information affects your allocation amount
Provide information about your institution (select from HELB's list), admission number, course name and code, year of study, expected completion date, and course fees. Upload a scanned copy of your admission letter.
Required Document: Clear scan/photo of admission letter
Upload scanned copies or clear photos of required documents: National ID (both sides), birth certificate, admission letter, fee structure, and any other documents requested. Ensure all documents are clear and readable. Maximum file size is usually 2MB per document.
Formats: PDF, JPG, or PNG files accepted
HELB requires two guarantors (usually parents/guardians) who must be Kenyan citizens with National IDs. Provide their full names, ID numbers, mobile numbers, and relationship to you. Guarantors will receive SMS to confirm their consent.
Note: Guarantors must confirm their consent via SMS or the portal
Review all information carefully for accuracy. Once satisfied, submit your application. You'll receive a confirmation SMS and email with your application number. Print or save the acknowledgment slip for your records. You can log in anytime to check application status.
Timeline: Applications open September-November annually
Application Tips:
HELB loan allocation is based on means-testing that considers your family's socio-economic background, course fees, and available budget. Understanding how allocation works helps set realistic expectations.
Students from very poor backgrounds, orphans, students with disabilities, families with no income or minimal income. Highest allocation category.
Students from low-income families, single-parent households, families with multiple dependents, parents with low-income jobs.
Students from moderate-income families with some financial capacity but still require assistance to complete their education.
Students from relatively stable financial backgrounds who still need some support but have family resources to supplement.
Once your loan is approved and allocated, HELB disburses the funds in two installments per academic year:
Disbursed in January-February for first semester/trimester. The larger portion helps cover tuition fees and initial upkeep costs.
Disbursed in May-June for second semester/trimester. Smaller installment for remaining academic year expenses.
Understanding HELB repayment terms is crucial to avoid penalties and maintain good credit standing. Repayment begins one year after completing your studies or leaving the institution.
Paybill: 200800, Account: Your HELB ID number
Transfer to HELB bank accounts (listed on HELB website)
Employer deducts monthly and remits to HELB (for employed borrowers)
Pay via internet/mobile banking using HELB payment details
Failing to repay your HELB loan has serious consequences:
Repayment Tips
You can check your HELB application status, allocation amount, disbursement status, and loan balance through multiple channels:
Log in to HELB portal using your ID and password. Dashboard shows application status, allocation amount, disbursement dates, and current balance.
Send SMS to HELB shortcode. Reply will show your loan status and balance.
Visit HELB offices in Nairobi or contact regional offices for in-person assistance.
Call HELB customer care line for inquiries about application and loan status.
Yes, HELB loans are available for both public and private institutions as long as they are accredited and recognized by HELB.
You can appeal the decision through the HELB portal within 30 days. Address the reasons for rejection and provide additional supporting documents if required.
Yes, you must reapply every academic year. Continuing students should apply during the renewal window (usually September-November) and must have passed previous year's exams.
You must inform HELB immediately. Repayment grace period starts from when you leave the institution, not your original graduation date.
Generally no. Allocation is based on available budget and means-testing. However, you can reapply next year and your circumstances will be reassessed.
Contact HELB to discuss your situation. They may offer loan restructuring or extended repayment terms. However, interest continues to accrue.
No, but it's highly subsidized at 4% per annum, much lower than commercial loans. Interest starts accruing from disbursement date.
Yes, if you transfer to another recognized institution. Update your details in HELB portal and provide new admission letter.
Website
www.helb.co.kePhysical Address
HELB Plaza, Harambee Avenue, Nairobi
Postal Address
P.O. Box 69489-00400, Nairobi
Phone Numbers
+254 20 2219420
+254 20 3340474
Customer Care
0800 720 720
Email Address
info@helb.co.keExplore other student loan options, scholarships, and financial planning resources on PesaMarket.
This guide provides general information about HELB loans as of October 2025. HELB policies and procedures may change. Always verify current information from official HELB sources. PesaMarket is not affiliated with HELB.