How to Apply for a Subsequent HELB Loan via App

Students seeking financial support for their continuing studies can now apply for subsequent Higher Education Loans Board (HELB) loans through loan app after the board opened the application window for continuing learners for the academic year 2026/2027.

However, before beginning the application process, HELB has advised students to first update their details on the HELB Portal to ensure their records are current and accurate.

According to the board, applicants must update their academic, residence, and guarantor details through the HELB Portal before proceeding with a subsequent loan application.

This helps to facilitate fast and smooth processing of loan requests.

How to Apply for HELB Subsequent Loan

After updating profiles, students can proceed with the application through the mobile app.

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To apply, a student is required to follow the following steps:

1)Download or open the HELB mobile application. One is supposed to register or log in using a mobile number registered in their own name to complete the identity verification and ensure that all loan applications are linked to the correct beneficiary.

2)Navigate to the Loans or Scholarship tab and select the appropriate programme category. Once logged in, students should go to the “Loans/Scholarship” section within the app, and they will select the appropriate programme category depending on their current level of study.

3)Read the financial literacy guide and complete the required literacy quiz. Applicants must then go through the financial literacy guide provided in the app.

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Therefore, after reading, they will be required to complete a short quiz designed to test their understanding of basic financial management and responsible borrowing.

4)Verify ownership of their phone number. This helps to enhance security and ensure that the number used belongs to the applicant.

5)Review and accept the loan terms and conditions. Meanwhile, before the process is done, applicants must carefully read the loan terms and conditions and agree to continue with the application process.                                                           

6)Choose a preferred disbursement method, such as M-Pesa or a bank account, and submit the application. A student is required to choose how they want to receive the loan funds, either through M-Pesa or a bank account, and later submit for processing.

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HELB Subsequent loan application format. Photo/ HELB