The Higher Education Loans Board (HELB) has started accepting applications for subsequent loans for the year 2026/2027. For students studying in universities, the procedure is now faster than ever before, making it possible to apply for the loan straight from your mobile phone via the *642# USSD code.
Here is all you need to know about how to apply for a HELB subsequent loan.
Who Is Eligible For The HELB Subsequent Loan?
For you to apply for the HELB subsequent loan, you must meet these conditions:
- Be a previous recipient of the HELB loan facility.
- Be advancing to the next academic year/semester.
- Be attending one of the approved universities/colleges in any diploma/certificate programs.
- Have your mobile phone number registered on your National ID.
Students applying for the HELB loan for the very first time should follow other processes.
Application Process with *642#
The application process for HELB has been made easier by their USSD service.
Step 1: Dial *642#
Use your HELB account phone number and dial *642#.
Step 2: Login
Key in your 4-digit HELB PIN as instructed.
Step 3: Choose Loan Application
Click on Loan Application from the menu options.
Step 4: Choose Study Level
Pick one of the following from the list that fits your level of study:
- Degree
- Diploma
- Certificate
Step 5: Choose Academic Year
Choose the academic year of 2026/2027 from the rest.
Step 6: Fill Financial Literacy Quiz
Fill in all the financial literacy quizzes given to you.
Step 7: Submit Application Form
Submit the filled-in application form successfully.
Your application will be successful when you get an SMS with the serial number.
Important System Guidelines
Before application, please note that the following conditions should be fulfilled:
Registered Mobile Phone Number
The mobile phone number must:
- Be registered under your name.
- Be linked to your national ID, which has been used to register for HELB.
- Must be active with either the Safaricom or Airtel network.
Previously Funded by HELB
Application is open only to those who have previously benefited from HELB scholarships/loans.
Protect Your HELB PIN at All Times
A 4-digit PIN will be needed each time you log into any HELB service through USSD.
Other Alternative Modes of Application
In case you are more inclined to electronic methods of communication, it is possible to apply by using:
HELB Mobile Application
The HELB mobile app is accessible via an Android device and provides application tracking as well as account management options.
M-Pesa Mini App
Another option for accessing HELB services is via the M-Pesa app.
How Can I Check the Status of My HELB Loan Application?
Upon submission of your application, you may follow up on your application status using the serial number through the HELB student portal.
Checking your application status at intervals will alert you to any outstanding or pending documents.
Conclusion
Applying for the next HELB loan in 2026/2027 is not very hard. All you need to do is make an application via the asterix shortcode *642# if you qualify, having been a previous HELB loan recipient, and you are moving to the next academic level. This application process only takes a few minutes.
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