Loan Application

J-Hela provides great loan options; a suitable financial solution to your personal and business needs,

Loan Application

 Get your J-Hela loan today easy and convenient.


How to apply for an Individual loan 


  1. At the bottom of the JHELA homepage click on savings and loans
  2. Click the phone image at the top
  3. At the bottom of the new page click on Loans
  4. Click on the button written Apply for GFL loan
  5. Put the amount to apply
  6. Adjust the repayment period accordingly and submit


How to apply for a Group / Cluster loan 


NOTE: Only an official (chairman, secretary or treasurer) can apply for a cluster loan

  1. Click the three lines on the top left side of the JHELA Sacco homepage
  2. Click cluster accounts and choose your cluster
  3. Click on cluster loans at the bottom of the page
  4. Click apply for GFL loan
  5. Enter the amount and adjust the repayment period accordingly and submit


Note: 50+1% of the shareholding must approve the cluster/group loan as shown below.

  1. At the cluster home page click transaction
  2. On the blue band click transactions again
  3. Click on the loan applied and approve.

 NB: After the cluster officials fill in the contract form, the officials should inform the Jhela office through our contact number: 0205142800.

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About J-Hela

J-Hela is a mobile Sacco platform that enables its members to save money, transfer funds, borrow loans, buy products and guarantee a member with the aim of economic empowerment.

Download J-Hela


Download JHela App from the Playstore, register and invite friends.

Click  Here to Download the App

Help & Support

home Light Industries, Makongeni,

Thika, Kenya. 

email icon P.O.Box 2068-00100,

tel  +254 020 514 2800

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