How can I apply for a HELB subsequent loan in Kenya?

If you’re already a beneficiary of the Higher Education Loans Board, applying for a subsequent loan is essential to continue funding your studies without interruption.

Many students struggle with the process, especially when switching between the app, portal, or USSD. This guide simplifies everything so you can apply quickly and correctly.

Quick Answer

You can apply for a HELB subsequent loan using the HELB mobile app, student portal, or by dialing *642# on your phone.

Who qualifies for a HELB Subsequent Loan?

To be eligible, you must:

• Be a Kenyan citizen
• Be enrolled in a recognized university or college
• Have previously received a HELB loan
• Not have exceeded the maximum number of loan applications

Method 1: Apply Using HELB Mobile App (Recommended)

This is the fastest and most convenient method.

Steps

1. Download the HELB App from Google Play Store
2. Register using:
   • Name
   • Phone number
   • Email
   • National ID
   • KRA PIN
3. Create your HELB PIN
4. Accept terms and complete the Q&A section
5. Go to Loan Section
6. Select Undergraduate Loan → Subsequent Loan
7. Fill in details and submit

✅ You’ll receive a confirmation message with a loan serial number

Method 2: Apply via HELB Student Portal

Best for laptop or browser users.

Steps

1. Log in to the HELB student portal
2. Go to Loans Section
3. Select your level (Degree, Diploma, etc.)
4. Choose Subsequent Loan Application
5. Accept financial literacy terms
6. Fill in required details
7. Submit application

✅ You’ll get a serial number as confirmation

*Method 3: Apply Using USSD (642#)

Ideal if you don’t have internet access.

Steps

1. Dial *642#
2. Select Login/Register
3. Enter your HELB PIN
4. Choose Loan Application
5. Select your level of study
6. Choose Subsequent Loan
7. Submit application

✅ Works on any phone

Important Tips Before Applying

• Ensure your details are accurate
• Use a registered phone number
• Keep your HELB PIN safe
• Apply early to avoid delays
• Always confirm submission

Common Mistakes to Avoid

• Entering wrong personal details
• Forgetting HELB PIN
• Applying after deadline
• Not confirming submission

FAQ

Is the subsequent loan automatic?
No, you must apply every academic year.

How long does approval take?
Processing varies but usually takes a few weeks.

Can I apply without internet?
Yes, use USSD *642#.

Conclusion

Applying for a HELB subsequent loan is simple once you understand the process. Whether you use the mobile app, portal, or USSD, always ensure your details are correct and submit your application early to secure your funding.