HELA PESA is the first-ever application that allows users to access loans directly from their phones. In addition to the loan amount, the repayment period and the interest rate, the application also offers users the option to add an origination fee. All of the loan payments are processed through the mobile money transfer service, MPESA.

HELA PESA has been developed to address the needs of individuals and businesses in Kenya. In particular, the loan product is designed to provide a fast, convenient and affordable loan experience to clients.

In order to be able to access the loan service, users are required to download the HELA PESA application from the Google Play Store. Once downloaded, the users can register for an account and access the service. The registration is a simple and easy process that enables users to choose between loan products. Once the account is activated, users can make payments and access their loans.