Education & Career
3 min read
How to Pay HELB in Kenya: Complete Guide for 2025
KenyaHowTo Team
April 27, 2025
How to Pay HELB in Kenya: Complete Guide for 2025
Paying your Higher Education Loans Board (HELB) loan in Kenya is easier than ever in 2025. HELB has introduced more convenient ways to make repayments using mobile money, banks, and online platforms. Understanding the available methods ensures you avoid penalties and clear your loan smoothly.
The first method to pay HELB is through M-Pesa Paybill. Open your M-Pesa menu, go to "Lipa na M-Pesa," and select "Paybill." Enter HELB’s Business Number, which is 200800, and input your National ID number as the account number. Enter the amount you wish to pay, confirm the details, and send.
Another method is via HELB Mobile App. Download the app from Google Play Store or Apple Store. After registration, log in and navigate to the loan repayment section. Follow the prompts to pay through M-Pesa, card, or bank account directly from the app.
If you prefer traditional banking, you can pay through selected bank deposits. HELB partners with banks like Kenya Commercial Bank (KCB), Co-operative Bank, and Equity Bank. Visit any branch, fill a deposit slip with the HELB account number, your ID number, and the amount, then deposit.
Employer deductions are also a way to repay. If you are employed, your employer can directly deduct your HELB loan from your salary. Ensure you update your employment details on the HELB portal and check that the deductions are remitted monthly to avoid default.
For those outside Kenya, Diaspora repayment options are available. You can pay through international wire transfers or using HELB’s authorized global payment platforms. Always check the HELB website for updated instructions on making payments from abroad.
After making any payment, it’s important to confirm your transaction. You can do this by logging into your HELB account portal or checking the SMS confirmation if you used M-Pesa. Keeping payment records helps in tracking your loan balance and clearing your loan on time.
HELB now encourages borrowers to pay early or extra amounts when possible. Early repayment can help reduce the total interest and clear your loan faster. HELB does not penalize extra payments, and it reflects immediately in your balance.
Missing HELB payments can lead to serious consequences. Penalties of Ksh 5,000 per month apply for defaulting. Additionally, your CRB (Credit Reference Bureau) record may be negatively affected, limiting your access to other loans and financial services.
If you face difficulty in paying, consider restructuring your loan. HELB allows borrowers to request a restructuring plan to make the repayment manageable. You need to visit their offices or contact customer care for guidance on how to adjust your terms.
In 2025, HELB emphasizes self-service platforms. Always update your details online and generate your statement regularly. This makes it easier to keep track and avoid missing any important updates about your loan.
In conclusion, paying HELB in Kenya in 2025 is quick, simple, and available on multiple platforms. Whether you choose mobile money, bank, or employer deductions, staying consistent and clearing your loan on time gives you financial freedom and peace of mind.
Paying your Higher Education Loans Board (HELB) loan in Kenya is easier than ever in 2025. HELB has introduced more convenient ways to make repayments using mobile money, banks, and online platforms. Understanding the available methods ensures you avoid penalties and clear your loan smoothly.
The first method to pay HELB is through M-Pesa Paybill. Open your M-Pesa menu, go to "Lipa na M-Pesa," and select "Paybill." Enter HELB’s Business Number, which is 200800, and input your National ID number as the account number. Enter the amount you wish to pay, confirm the details, and send.
Another method is via HELB Mobile App. Download the app from Google Play Store or Apple Store. After registration, log in and navigate to the loan repayment section. Follow the prompts to pay through M-Pesa, card, or bank account directly from the app.
If you prefer traditional banking, you can pay through selected bank deposits. HELB partners with banks like Kenya Commercial Bank (KCB), Co-operative Bank, and Equity Bank. Visit any branch, fill a deposit slip with the HELB account number, your ID number, and the amount, then deposit.
Employer deductions are also a way to repay. If you are employed, your employer can directly deduct your HELB loan from your salary. Ensure you update your employment details on the HELB portal and check that the deductions are remitted monthly to avoid default.
For those outside Kenya, Diaspora repayment options are available. You can pay through international wire transfers or using HELB’s authorized global payment platforms. Always check the HELB website for updated instructions on making payments from abroad.
After making any payment, it’s important to confirm your transaction. You can do this by logging into your HELB account portal or checking the SMS confirmation if you used M-Pesa. Keeping payment records helps in tracking your loan balance and clearing your loan on time.
HELB now encourages borrowers to pay early or extra amounts when possible. Early repayment can help reduce the total interest and clear your loan faster. HELB does not penalize extra payments, and it reflects immediately in your balance.
Missing HELB payments can lead to serious consequences. Penalties of Ksh 5,000 per month apply for defaulting. Additionally, your CRB (Credit Reference Bureau) record may be negatively affected, limiting your access to other loans and financial services.
If you face difficulty in paying, consider restructuring your loan. HELB allows borrowers to request a restructuring plan to make the repayment manageable. You need to visit their offices or contact customer care for guidance on how to adjust your terms.
In 2025, HELB emphasizes self-service platforms. Always update your details online and generate your statement regularly. This makes it easier to keep track and avoid missing any important updates about your loan.
In conclusion, paying HELB in Kenya in 2025 is quick, simple, and available on multiple platforms. Whether you choose mobile money, bank, or employer deductions, staying consistent and clearing your loan on time gives you financial freedom and peace of mind.
