Keeping track of your HELB loan balance is one of the most important financial habits for any student or graduate in Kenya. Whether you are still in school, recently graduated, or already repaying your loan, monitoring your Higher Education Loans Board (HELB) balance ensures you stay compliant, avoid penalties, and plan your repayments efficiently.
In this complete 2025/2026 guide, we’ll walk you through all the different ways to check your HELB loan balance — including the HELB Portal, HELB Mobile App, USSD Code (*642#), and more — with clear step-by-step instructions.
🔹 Why You Should Regularly Check Your HELB Loan Balance
- To confirm your outstanding loan amount and repayment progress.
- To verify that your M-Pesa or employer repayments have been updated.
- To avoid late payment penalties and maintain good credit standing.
- To prepare for your HELB clearance certificate after completing repayment.
✅ Method 1: Check HELB Loan Balance via HELB Loanees Portal
The HELB Loanees Portal is the official online platform for all loan-related services. It allows you to check your full loan statement, disbursements, interest rates, and penalties.
🧭 Step-by-Step Procedure:
- Visit the official website: www.helb.co.ke.
- Click “Online Services” → select “Loanees Portal”.
- Log in using your registered email address and password.
- If you’re new, click “Register” and fill in your National ID, email, and phone number.
- Once logged in, go to “Loan Statement” or “Loan Account”.
- Click “View Full Statement” or “Download PDF Statement” to see your balance, repayments, and any penalties.
💡 Tip: Always use the official HELB website and secure your login details to prevent unauthorized access.
✅ Method 2: Check HELB Loan Balance via HELB Mobile App
The HELB Mobile App (available on Google Play Store and Apple App Store) is a convenient option for smartphone users who want quick access to their loan information.
🧭 Steps to Follow:
- Go to Google Play Store or Apple App Store and search for “HELB Mobile App”.
- Install the official app developed by the Higher Education Loans Board.
- Open the app and log in using your National ID and password/PIN.
- Tap “Loan Balance” or “Mini Statement” to view your outstanding amount and repayment history.
💡 Pro Tip: Always keep the app updated to access new features and accurate loan data.
✅ Method 3: Check HELB Loan Balance via USSD Code *642#
If you don’t have an internet connection, the *HELB USSD code 642# allows you to check your loan balance directly from your mobile phone.
🧭 Steps to Use HELB USSD:
- On your phone, dial *642#.
- Select “Log In / Register” and enter your National ID Number.
- Create or input your 4-digit PIN.
- Choose “Loan Enquiries” → “Loan Balance” or “Mini Statement”.
- Your HELB loan balance will be displayed instantly on your screen.
✅ Works on Safaricom, Airtel, and Telkom networks. It’s quick, easy, and requires no internet connection.
✅ Method 4: Check HELB Balance via eCitizen (HEF Portal)
Some HELB services are integrated with the eCitizen / Higher Education Financing (HEF) Portal.
🧭 Steps:
- Go to www.ecitizen.go.ke and log in.
- Navigate to HELB or Higher Education Financing Services.
- Click on “Loan Statement” or “Account Summary” to view your balance.
- Download or print your loan statement if needed.
💡 Make sure your eCitizen account uses the same ID and phone number registered with HELB for a smooth login process.
✅ Method 5: Check via M-Pesa or Bank Repayment Records
If you recently made a repayment, you can verify it using your M-Pesa message or bank deposit slip.
🧭 Steps:
- Open your M-Pesa messages and locate the HELB payment confirmation.
- Record the transaction code for future reference.
- Wait 24–72 hours for HELB to update your account.
- Log in to your HELB portal or app to confirm if the payment reflects.
If the payment hasn’t appeared after three days, contact HELB customer support with your transaction details.
🛠 Common Problems & Solutions
| Problem | Solution |
|---|---|
| Forgot portal password | Use “Forgot Password” on the HELB portal to reset it. |
| Payment not reflecting | Wait 2–3 business days, then contact HELB with the M-Pesa code. |
| App login failure | Ensure you use the correct ID and registered number, or reinstall the app. |
| USSD not working | Make sure you’re using the same number registered with HELB. |
📞 HELB Customer Support Contacts
If you experience issues checking your loan balance, reach out via:
- Website: www.helb.co.ke
- Email: contactcentre@helb.co.ke
- Phone: +254 711 052 000 / +254 204 275 000
- Facebook: @HELBpage
- Twitter/X: @HELBpage
❓ Frequently Asked Questions (FAQ)
1. What is the easiest way to check my HELB loan balance?
The easiest and fastest method is dialing USSD *642#, especially if you don’t have internet access.
2. How long does it take for a repayment to reflect?
M-Pesa or bank repayments usually update within 24–72 working hours.
3. Can I check my balance without a smartphone?
Yes! Use *USSD 642# to check your loan balance on any mobile phone.
4. How can I download my HELB loan statement?
Login to the HELB Loanees Portal → click Loan Statement → then Download PDF.
5. What should I do if my balance seems incorrect?
Contact HELB support and provide your payment receipts for reconciliation.
6. How do I get a HELB clearance certificate?
Once you clear your balance, request it through your HELB portal account or email the contact centre.
🏁 Final Tips to Manage Your HELB Loan Effectively
- ✅ Check your balance at least once every month.
- ✅ Always save payment receipts until they reflect.
- ✅ Keep your contact details updated with HELB.
- ✅ Make timely repayments to avoid penalties.
- ✅ Use only official HELB channels to avoid scams.
📌 Conclusion
Knowing how to check your HELB loan balance in 2025/2026 is essential for managing your student loan responsibly. Whether through the HELB Portal, Mobile App, USSD code, or eCitizen, each method is quick and reliable. Stay updated, make regular repayments, and you’ll be on your way to earning your HELB clearance certificate smoothly.