How to Apply for HELB Loan in Kenya (Step-by-Step, 2025/26)

Step-by-Step Guide: How to Apply for a HELB Loan in Kenya

Thinking of applying for a HELB loan? 🎓 The Higher Education Loans Board (HELB) supports Kenyan students in universities and TVETs. This guide takes you through the *latest process* (2025/2026) so your application is smooth, accurate, and successful.

Who Qualifies for a HELB Loan?

You must be a Kenyan citizen or hold a valid Kenyan identification.
Have a KUCCPS placement or valid admission into a recognized institution (university or TVET).
Have valid contact details: an email address and a phone number registered in your name.
For under-18 applicants: birth certificate, KCSE index number; for 18+ you’ll need a National ID or Maisha Card.

Required Documents & Details Before You Begin

National ID (or waiting card for minors). If a parent/guardian has deceased, their death certificate.
B.K.C.E/KCSE/KCPE index numbers + year of exams.
Passport-size photo in digital form.
Bank account or M-PESA number registered under your name. (If KUCCPS-placed, bank account info is often required.)
Two guarantors: their full names, ID numbers, photos, phone numbers.

Methods of Application

There are several ways to apply depending on whether you are a *first-time applicant* or *continuing/subsequent student*:

Via the **Higher Education Financing (HEF) portal** (for first-time applicants). Use it to register, complete profile, upload documents, and apply. The portal works fully online.
Using the **HELB mobile app** (for continuing/subsequent students). Install from the app store, register, then apply.
By **USSD code** *642# (mainly for subsequent/continuing students) to access certain HELB services and application features.

Step-by-Step Application Process (First Time Applicants)

Go to the HEF portal (search for “Higher Education Financing portal Kenya” or visit hef.co.ke). Click “Student Portal” → Register. Use your National ID (if 18+), or KCSE index (if under 18), valid email & phone number. Create a password.
Verify your email through link that will be sent. Log in, and fill out your *Profile*: personal info, institution details, education background, parents/guardian info. Upload required documents (ID, photo, etc.).
In the portal, locate the HELB section → choose “First Time Undergraduate/TVET Loan & Scholarship” → Read & accept terms and conditions / personal data consent.
Provide guarantors’ details. Enter bank/M-PESA info. Make sure these details are correct and match your ID documents.
Submit the application. After submitting, you’ll receive confirmation via email, and a PDF copy of your submitted form for your records. Save any serial number or reference number provided.
Monitor status on the portal. HELB will notify you of disbursement & whether your application is approved or if more information is needed.

Step-by-Step for Subsequent or Continuing Students

Use the HELB mobile app or dial *642#. If using the app, register using your Safaricom line and generate activation/PIN.
Log in → choose “Subsequent Products” → “Get Started.”
Read and accept terms & conditions, and complete any financial literacy questions if required.
Enter / confirm your bank or M-PESA details, guarantors, and institutional info.
Submit the loan request. You’ll receive a loan serial number via SMS or in-app notification. Keep it safe.
Watch for notification of when funds are disbursed (tuition portion usually goes to the institution; upkeep or personal portions go to your bank or M-PESA).

Important Deadlines & Tips

Applications usually open mid-year (often around June-August) for the new academic intake. Check HELB / HEF portals regularly.
Make sure you apply before the deadline; late applications are typically not accepted. Keep an eye out for public notices.
Ensure your documents are accurate: mismatches between your ID, admission letter, or guardians’ info can lead to delays or rejection.
Your bank account or M-PESA number must be active and under your name. Confirm details before submitting.
Ignore anyone asking for payment/fee for the application—HELB applications are free. Report anyone demanding payment.

After Submission: What to Expect

You’ll get a **serial/reference number** and/or PDF copy of your submission. Use it for tracking.
HELB reviews your application; may request extra documents or clarification. Be responsive.
Once approved, part of the loan is paid directly to your institution (tuition) and the remainder to your bank or M-PESA for upkeep.
Repayment begins after graduation and once you secure employment. Be aware of the repayment terms. HELB has set interest or conditions which you should review.

Frequently Asked Questions (FAQs)

Do I need a valid KRA PIN?: Not necessarily for all first-time applicants—but some institutions or situations may require it. Always check the latest application notice on HELB’s website.
What happens if I don’t have a National ID yet?: If you’re under 18, you can use KCSE index number, birth certificate and waiting card. But you will need to obtain your National ID as soon as you’re eligible.
Is the HELB loan interest-free?: No. HELB loan is a loan, not a grant. There are terms and repayment obligations once you graduate and begin earning. Review HELB’s current policy for interest or fees.
Can I apply if I'm in private university or scholarship program?: Yes, as long as the institution is recognized by the Kenyan government and you meet HELB’s eligibility and placement/admission criteria.

Helpful External Resources

HELB official website — for latest notices, requirements & portal access.
Higher Education Financing (HEF) portal — to register and apply for student loans & scholarships.
Kenya Government portal — for related legal, education & policy updates.

Final Thoughts

Getting a HELB loan can make all the difference in your academic journey. By preparing in advance, ensuring your documents are in order, observing deadlines, and applying through the correct platform, you increase chances your application will sail through. Best of luck with your application! 🎉

Titus Morebu