Helasasa

LIGHTING MICRO-CREDIT ENTERPRISE

1988

Loan amount

From KES 6,000 - KES 50,000

Loan term

From 120 - 180 days

Interest rate

12% – 36% comprehensive annual rate

Service fee

One-time processing fee

Eligibility

Kenyan citizen, age 20–65, stable income

Loan disbursement

Receive money via M-Pesa account

Apply Now

Version:

3.7

Support:

Android 7.0 and up

Updated Date:

Jan 13, 2026

Downloads:

1M+

Size:

26,1MB

Email:

[email protected]

Hotline:

+2540718168019

Website:

https://helasasa.site

Working hours:

08:00 - 22:00 (Monday - Saturday)

Address:

MVGP+X3J, Cosmas Ndeti Rd, Nairobi, Kenya

Information

Registration Area

Kenya

Age Requirement

20–65 years old

Income Requirement

Stable source of income

Phone Number Requirement

Valid personal M-Pesa phone number

Repayment Method

M-Pesa

Document Requirement

Valid Kenyan National ID

First-Time Loan Amount

Up to KES 10,000 (subject to approval)

First-Time Loan Interest

Introductory rate based on approval

New User Offer

Special benefits for new users

Loan Interest Rate

12% – 36% comprehensive annual rate

Loan Term

120 – 180 days

Approval Time

Fast approval, usually within minutes

Service Fee

One-time processing fee

Overdue Fee

Late fees apply according to loan terms

Helasasa is a Personal Line of Credit (PLOC) product that provides you with a pre-approved credit limit in Kenya. After the credit limit is approved, you can:

Withdraw funds at any time
Make multiple withdrawals whenever you need

However, you only need to withdraw the amount that matches your personal needs, as long as it does not exceed the approved credit limit. In addition, you are entitled to repay the loan flexibly within the agreed maximum repayment period. Interest is charged only for the period during which you actually use the loan. After completing the repayment, the amount you have repaid will automatically be added back to your available credit limit, allowing you to continue using it for future needs.

Helas03

Download the Helasasa App now on Google Play to experience a fast, flexible, and secure financial solution right on your mobile phone. If you need support or have any questions during use, our customer care team is always ready to assist you via phone, email, or official contact channels. Helasasa is committed to delivering transparent, reliable services and timely support so you can enjoy financial peace of mind every day.

See more:

Loan Calculator

Based on the loan amount

I want to borrow

Term / Days

%/day

Loan Amount

10 000 000 $

Interest

70 000 $

Total Repayment

10 070 000 $

Annual Interest Rate

18 %

Apply Now

Number of Loans

Author: Wena Rose De Leon

I am Wena Rose De Leon, a content specialist in personal finance and credit. With many years of professional experience and in-depth research into online lending models, I am committed to delivering accurate, easy-to-understand, and highly practical information about online loan platforms. My goal is to be a trusted companion, helping you access fast, transparent, and suitable borrowing solutions so you can make smarter and safer financial decisions.