Hela Pesa is a loan app run by Hela Capital Limited, a digital credit provider licensed by the Central Bank of Kenya (CBK). It appears in CBK’s September 2026 directory with a licence date of October 1, 2024.
At a glance
| Lender (licensed name) | Hela Capital Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed October 1, 2024 |
| Loan amounts (published) | KES 500 – 200,000 |
| Repayment term (published) | 90 days – 2 years |
| APR / cost (published) | 30% – 180% |
| Other fees and terms | Monthly interest 2.5%–15% |
| Customer contact (per CBK) | +254 (20) 776 6666 · md@helacapitals.com |
| Office (per CBK) | Thindigua, Kiambu Road, Feruzi Towers, 4th Floor, Wing A, Kiambu. |
The terms are what the lender publishes on its Google Play listing; your actual limit, rate and fees are set by its credit scoring and shown in the app before you accept a loan. Terms not listed above are not published.
Repayment calculator
Prefilled with 180% a year for 90 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- HELA PESA – Google Play, 500K+ downloads, updated Sep 28, 2026
We checked Google Play only. Download only the listing whose developer matches the lender, and check the lender is in CBK’s directory before borrowing.
Terms as published by the lender
- Hela Pesa provides personal loans for a minimum repayment period of between 90 days and a maximum repayment period of 12 months.
- Tenure: 3 months to 2 years. Interest rates range from 2%-15% depending on the risk profile of the customer.
- Example: Borrow Ksh 1,000 at APR of 60% (per annum) with tenure of 3 Months
- Interest = Ksh. 1000 * 60%/ 12 * 3 = Ksh. 150
- Total amount disbursed will be Ksh 1000
- Total amount to repay will be Ksh 1150 (Ksh 1000 + Ksh 150)
- Loan Amounts: Ksh 500 to Ksh 200,000
- APR/Interest rate: 30%-180% (Monthly interest: 2.5% to 15%)
- TERMS: We offer loans that are payable for a minimum of 90 days and a maximum of 2 years.
How to apply
Install the app from the official listing above, register with your phone number and ID as the app asks, and review the loan offer: it must show the amount, the total cost and the due date before you accept. Loans are usually sent to M-Pesa. Repay through the app or the paybill shown in it. Late repayment can lead to penalties stated in your offer and to listing with a credit reference bureau.
Frequently asked questions
Is Hela Pesa licensed by CBK?
Yes. Hela Capital Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed October 1, 2024.
How much can I borrow on Hela Pesa?
The lender publishes: KES 500 – 200,000. Your limit depends on its assessment.
How much does Hela Pesa charge?
Published cost: 30% – 180%. Monthly interest 2.5%–15%
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- HELA PESA – Google Play listing (checked 13 Oct 2026)
More: All CBK-licensed loan apps · Cheapest loan apps compared · All 281 CBK-licensed digital lenders · CRB guide
