How to Repay HELB Loan via M-PESA (Official Guide)

To repay HELB loan via M-PESA, go to Lipa na M-PESA → Pay Bill, enter Business Number 200800, use your HELB Smart Card number as the account number, input the amount, and confirm with your M-PESA PIN.

Step-by-Step: Pay HELB via M-PESA

Open M-PESA on your phone
Select Lipa na M-PESA
Tap Pay Bill
Enter Business Number: 200800
Enter your Account Number (your HELB Smart Card number)
Input the amount you want to repay
Enter your M-PESA PIN
Confirm the transaction details and send

You will receive an SMS confirmation from M-PESA and your payment will be reflected in your HELB account.

Important Notes from Higher Education Loans Board

Always use your correct Smart Card number to avoid misallocation
Payments reflect within 24–48 hours
You can make partial or full repayments
Keep your M-PESA confirmation message for reference

Alternative HELB Payment Options

If M-PESA is unavailable, HELB also allows repayment via:

Bank deposits (HELB collection accounts)
Standing orders
Salary check-off (for employed beneficiaries)

HELB Paybill Details (Quick Reference)

Detail	Information
Paybill Number	200800
Account Number	HELB Smart Card No
Network	Safaricom M-PESA
Processing Time	24–48 hours

FAQs

1. What is the HELB Paybill number?

The official HELB Paybill number is 200800.

2. What do I use as the account number?

Use your HELB Smart Card number.

3. Can I repay HELB using another person’s M-PESA?

Yes. As long as the correct Smart Card number is entered, the payment will be credited to your account.

4. What is the minimum HELB repayment via M-PESA?

There is no strict minimum, but you should meet your monthly repayment obligation as advised by HELB.

5. How do I confirm my HELB balance after payment?

Related Guides:

How to Repay HELB via Pesa Point ATM

How to Contact HELB via SMS

Pro Tips

Set a monthly reminder to avoid penalties
Pay slightly above your minimum to reduce interest faster
Regular repayments improve your creditworthiness