How to Apply for an HELB Loan in Kenya – Step-by-Step Guide (2025 Update)

Are you a Kenyan student seeking financial help for your university or college education? The Higher Education Loans Board (HELB) provides government-funded loans that can ease your burden — and the best part is, you can apply for HELB online for free.

In this guide, you’ll learn how to apply for a HELB loan step by step, what you need, common mistakes to avoid, and FAQs answered.

Why Apply for a HELB Loan?

• Covers Tuition Fees and Upkeep

• Low Interest Rates (4% per annum after graduation)

• Flexible Repayment Terms

• Accepted by all accredited universities and TVET institutions in Kenya

Requirements for HELB Loan Application

Before you start your application on the HELB Student Portal, make sure you have the following:

For First-Time Applicants (Undergraduate or TVET):

• National ID card (your own)

• Admission letter from a recognized institution

• KCSE and KCPE index numbers and year

• Parent’s/guardian’s ID number and KRA PIN

• Copies of ID of two guarantors (must be employed or civil servants)

• Active personal email address and phone number

• Bank account (preferably in your name)

• Passport-size photo (clear and recent)

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

Step 1: Visit the HELB Student Portal

Go to https://portal.helb.co.ke

Step 2: Create an Account

• Click “Register” if you’re a new user.

• Provide your ID number, email, and phone number.

• Set your password.

Tip: Use a secure email and a strong password — you’ll use this account throughout your course.

Step 3: Fill in Your Profile

Update your personal details, academic information, and contact information.

Step 4: Select the Appropriate Loan Product

Choose either:

• Undergraduate Loan (Direct Entry)

• TVET Loan (for diploma and certificate courses)

Step 5: Fill the Loan Application Form

Provide:

• Your school and course details

• Parent/guardian details

• Guarantors’ details

• Bank information (where loan will be disbursed)

Tip: Double-check KRA PINs and ID numbers — errors here delay approval.

Step 6: Download and Print the Form

After filling in everything, download the filled loan application form (usually PDF format).

Step 7: Sign and Get Endorsements

• Sign the form yourself

• Get signatures from your parent/guardian and two guarantors

• Visit your chief or commissioner of oaths for official stamping

Step 8: Submit to HELB

Drop the completed and signed form at any:

• HELB office at Anniversary Towers, Nairobi

• Huduma Centre with HELB services

• Or send by registered mail to:
  HELB, P.O. Box 69489-00400, Nairobi

It can take 2–6 weeks for HELB to process your application.

Common Mistakes to Avoid

• Wrong or missing KRA PINs

• Using inactive or incorrect email/phone numbers

• Not getting the required signatures

• Submitting after the deadline

• Failing to photocopy and keep a copy of the signed form

Frequently Asked Questions (FAQs)

Q: Can I apply for HELB without a KRA PIN?
No. Both you and your parents/guarantors must have valid KRA PINs.

Q: Can I apply using my parent’s bank account?
No. HELB requires a bank account in your own name.

Q: Can I apply if I’m in a private university?
Yes — as long as the university is accredited by the Commission for University Education (CUE).

Q: When should I apply for HELB?
Apply as soon as your institution gives you an admission letter. HELB typically opens applications once per intake.

Q: How do I check my loan status?
Login to HELB Portal → Click Loan Status

Final Thoughts

Applying for a HELB loan is a big step toward securing your education and future. The process may seem lengthy, but once you’re approved, you’ll enjoy reduced financial stress throughout your studies.

Share this guide with your friends who are applying for HELB in 2025 — and feel free to comment below if you have questions!