Repaying your HELB (Higher Education Loans Board) loan has never been easier, thanks to the seamless integration of multiple digital platforms. With options like the eCitizen portal, HELB Mobile App, and USSD service, loan repayment is now just a few clicks away. Whether you’re an individual loanee or an employer handling multiple repayments, this guide will walk you through the process of repaying your HELB loan using these convenient channels.
*1. USSD Code (642#) Repayment for Individuals
The USSD service is ideal for individuals who want to make quick repayments without an internet connection. Here’s how to use it:
- *Dial 642# on your phone.
- Log in or register if you haven’t created an account yet.
- Select Option 5 for “Loan Repayment.”
- Choose Option 4 to “Repay Loan.”
- Select M-Pesa as your mode of payment (if you’re an employer, select the appropriate billing schedule).
- Enter the repayment amount as prompted.
- Confirm the amount and proceed.
- You will receive an SMS from eCitizen with an invoice number, payment amount, and M-Pesa Paybill number.
- Complete the transaction by entering your M-Pesa PIN when prompted.
- Once completed, you will receive a confirmation SMS from HELB acknowledging your payment.
This method is straightforward and perfect for quick payments, with SMS notifications to confirm every step of the process.
2. Repayment via the HELB Portal
For a more detailed approach, especially if you prefer using a computer, the HELB online portal is a convenient option. Follow these steps:
- Visit the HELB website at www.helb.co.ke.
- Log in or register for an account if you’re new to the portal.
- Navigate to the Loanees Portal and select the Self-Serve option from the menu.
- Choose Loan Repayment and click on the “Make Payment” button.
- Enter the amount to pay and confirm your payment.
- Choose your preferred payment method (e.g., M-Pesa).
- If M-Pesa is selected, you will receive a Send STK Prompt on your phone. Enter your M-Pesa PIN to complete the transaction.
- Once payment is successful, select “Complete” to finalize the process.
You will receive notifications from both HELB and M-Pesa confirming the transaction, ensuring that your payment is tracked accurately.
3. Using the HELB Mobile App for Loan Repayment
For those who prefer mobile apps, the HELB Mobile App offers a convenient way to manage and repay your loan. Here’s how to get started:
- Download the HELB Mobile App from the Google Play Store.
- Log in to your account or register if you haven’t already.
- Select the Pay Loan option on the home screen.
- Confirm your phone number and enter the amount you wish to repay.
- You will receive an STK Prompt on your phone. Enter your M-Pesa PIN to complete the payment.
- After completing the payment, you will receive notifications from eCitizen and M-Pesa, followed by a payment acknowledgment from HELB.
The app is user-friendly and designed to make loan management as easy as possible, especially for mobile users who prefer handling finances on the go.
Repayment Through Employers (Checkoff System)
Employers can also facilitate loan repayments on behalf of their employees. Here’s a brief overview of how employers can remit payments through the HELB portal:
- Log into the Employer Portal via the HELB website and register if necessary.
- Upload the Remittance List of employees making loan repayments.
- Verify the details and confirm the information.
- Provide a Mobile Number to receive a notification from eCitizen.
- Select a payment option and the remittance record to be paid.
- Choose your preferred mode of payment and follow the prompts to complete the process.
- Upon successful payment, the employer will receive an updated record and can view paid remittances through the Statements tab.
This system simplifies the process for employers handling multiple loan repayments on behalf of their employees.
With multiple digital repayment options, HELB has made loan management and repayments more convenient for both individuals and employers. Whether you’re using the USSD service, HELB portal, or mobile app, the process is simple, secure, and efficient. Make sure to choose the repayment method that best suits your needs and stay on top of your loan repayments to avoid any penalties or delays.
