HELB Undergraduate Student Loan
HELB
Last updated: December 16, 2025
★★★★★
0/5Based on 0 Reviews
Interest Rate
4% p.a.
Loan Amount
Ksh 30,000 - Ksh 70,000
Approval Time
2-4 weeks after application
Processing Fee
Ksh 1,000
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Pros & Cons
Pros
- Lowest interest rate (4% p.a.)
- Grace period until after graduation
- Partial grants for needy students
- Government-backed security
- No collateral required
- Covers full tuition costs
- Available nationwide
Cons
- Lengthy application process
- Means testing can be bureaucratic
- Amount may not cover all expenses
- Must repay regardless of employment
- CRB listing for defaulters
Customer Reviews
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Product Details
Features
- Lowest education loan rate (4% p.a.)
- Government-sponsored student loan
- Covers tuition, accommodation, books
- Grace period until 1 year after graduation
- Means-tested allocation (Band 1-5)
- Partial grants for low-income students
- Applied through HELB portal
- Disbursed directly to university
- Covers public and accredited private universities
- Bursary component for needy students
Eligibility Requirements
Age: 18 - 35 years
Employment: Full-time university students
Required Documents
- National ID
- University admission letter
- KCSE certificate
- Birth certificate
- Parent/Guardian ID
Repayment Options
M-PesaBank transferEmployer deduction
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