Apply for a HELB loan for 2026/2027 on www.hef.co.ke (portal.hef.co.ke). It is paperless and free.
Quick answer
Portals: hef.co.ke / helb.co.ke. Subsequent loans: *642#, HELB app, or M-Pesa HELB Mini App. Undergraduate loan interest: 4% a year plus KSh 1,000 ledger fee per year.
Requirements
Email and phone in your name; KCPE/KCSE indexes; passport photo; National ID or Maisha Card (PDF both sides); admission letter; bank or M-Pesa in your name; parents' IDs and phones; death certificate if a parent is deceased; birth certificate if a minor; two guarantors; secondary sponsorship letter if applicable.
How to apply
Register on hef.co.ke, activate email, verify phone, complete biodata and consent, submit loan/scholarship request, accept terms, add guarantors and payment details, then submit. Save the SMS serial number. Guide: application guide.
Deadline
HELB lists FY 2026/2027 first-time UG/TVET funding as open with a 7 September 2026 deadline on Upcoming Deadlines. Confirm on helb.co.ke or hef.co.ke before submitting.
Subsequent loans
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HELB Loan Application 2026: Requirements and How to Apply
Apply for HELB undergraduate or TVET funding via hef.co.ke. Requirements, steps, *642# renewals, interest facts, and contacts.
August 28, 2026 at 5:10:32 AM
August 28, 2026 at 5:15:43 AM
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University of Nairobi tower. Image: Wikimedia Commons (CC BY-SA 4.0).
Apply for a HELB loan for 2026/2027 on www.hef.co.ke (portal.hef.co.ke). It is paperless and free.
Quick answer
Portals: hef.co.ke / helb.co.ke. Subsequent loans: *642#, HELB app, or M-Pesa HELB Mini App. Undergraduate loan interest: 4% a year plus KSh 1,000 ledger fee per year.
Requirements
Email and phone in your name; KCPE/KCSE indexes; passport photo; National ID or Maisha Card (PDF both sides); admission letter; bank or M-Pesa in your name; parents' IDs and phones; death certificate if a parent is deceased; birth certificate if a minor; two guarantors; secondary sponsorship letter if applicable.
How to apply
Register on hef.co.ke, activate email, verify phone, complete biodata and consent, submit loan/scholarship request, accept terms, add guarantors and payment details, then submit. Save the SMS serial number. Guide: application guide.
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Deadline
HELB lists FY 2026/2027 first-time UG/TVET funding as open with a 7 September 2026 deadline on Upcoming Deadlines. Confirm on helb.co.ke or hef.co.ke before submitting.
Subsequent loans
Dial *642# or use the HELB Mobile App / M-Pesa HELB Mini App. Phone must be registered in your name.
Contacts and scams
No application fee. Email ContactCentre@helb.co.ke or call 0711 052 000. Only use helb.co.ke and hef.co.ke.
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