How to Apply for the HELB Loan Online (2025) — Step-by-Step

A friendly, step-by-step guide for first-time and subsequent applicants in Kenya. Clear checklist, methods (web, app, USSD), troubleshooting tips and FAQ.

On this page

1. Before you start — checklist
2. First-time applicants (HEF portal)
3. Subsequent applicants (App / USSD)
4. After submission — what to expect
5. Common mistakes to avoid
6. FAQ

Before you start — checklist

• National ID (both sides) — or KCSE index details if you don’t yet have an ID.
• Official admission letter from your university or TVET (for first-time applicants).
• KCSE (and KCPE where requested) index number / result slip.
• Passport-sized photo (JPEG/PNG).
• Bank account details or M-Pesa number registered in your name.
• Parents’/guardian’s ID and contact details (and death certificate if applicable).
• Any supporting documents (sponsorship letters, guardianship documents, birth certificate).

Tip: Scan documents clearly. Blurry uploads delay approvals.

Step-by-step — First-time applicant (HEF Student Portal)

1. Visit the HEF Student Portal and click Register / Sign up.
2. Activate your account via email or SMS, then log in.
3. Fill in biodata, residence, school details, institution details, and parents/guardian info.
4. Upload scanned documents where required.
5. Complete the financial literacy module if prompted.
6. Select First Time Loan, add guarantor/parent details, provide payment method.
7. Review, upload final docs, and submit. Save the confirmation screenshot.
8. Track your status in the portal dashboard.

Step-by-step — Subsequent applicants (App / USSD)

HELB Mobile App

1. Download the HELB app from Google Play or App Store.
2. Register/login with your national ID and phone number.
3. Select Subsequent Loan Application, update details, upload docs, submit.

USSD

Dial *642# on your registered phone, follow prompts to apply for subsequent disbursement.

After submission — what to expect

• Assessment & allocation: HELB reviews and allocates funds.
• Disbursement: Tuition sent to the institution, upkeep to your bank or M-Pesa.
• Notifications: Watch email and SMS for updates.

Common mistakes to avoid

• Uploading blurry/oversized documents.
• Using bank/M-Pesa not in your name.
• Skipping financial literacy assessment.
• Waiting until the deadline to apply.

FAQ

Can I apply for HELB without an admission letter?

First-time applicants need an admission letter or placement details. Some can register using KCSE index details if they lack a national ID.

How long before I get the money?

After your institution confirms enrollment, HELB disburses funds. Apply early to avoid delays.

Can upkeep be paid to M-Pesa?

Yes, provided the M-Pesa number is in your name.

I don’t have internet — can I still apply?

Yes, use the USSD method (*642#) for subsequent applications. First-timers need the HEF portal.

What if my application is rejected?

You can appeal via the HEF portal using the review process provided.

Last updated: September 2025. Always check the official HEF portal for latest details and deadlines.

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