A: In some cases, when your payslip does not meet the required criteria for the specific loan amount you applied for, Hela Pesa may process a Top-Up loan for you instead. The Top-Up loan is offered if you meet the qualifications for it.

Here’s a more detailed explanation of when and why Hela Pesa may offer a Top-Up loan:

A Top-Up loan is a financial solution that can be exceptionally beneficial for clients facing a temporary financial shortfall or seeking additional funds beyond their initial loan request.

Income Assessment: When you apply for a loan, Hela Pesa conducts a thorough assessment of your income, financial history, and creditworthiness to determine your eligibility for the requested loan amount. This assessment includes a review of your payslip, which serves as a key indicator of your ability to repay the loan.

Meeting Specific Criteria: To qualify for a specific loan amount, there are often certain income or payslip requirements that must be met. These criteria are in place to ensure responsible lending practices and to safeguard both you, as the borrower, and Hela Pesa, as the lender.

Flexible Alternative: In situations where your payslip does not meet the criteria for the requested loan amount, Hela Pesa may opt to offer you a Top-Up loan instead. This approach provides a flexible alternative to address your financial needs without compromising your financial stability.

Positive Repayment History: To be eligible for a Top-Up loan, you typically need to have a positive repayment history with Hela Pesa. This means that you have consistently made timely repayments on your existing loans, demonstrating your ability to manage your financial obligations responsibly.

Additional Funds: The Top-Up loan allows you to access additional funds on top of your existing loan. This can be particularly useful if you encounter unexpected expenses, have a financial emergency, or require more financial flexibility for a specific purpose.

Continued Relationship: By offering a Top-Up loan, Hela Pesa aims to support its clients in times of financial need while also maintaining a positive and ongoing relationship. This approach recognizes that your financial situation can change, and Hela Pesa is committed to helping you navigate these changes effectively.


It’s important to note that the decision to offer a Top-Up loan is made with your best interests in mind, considering both your financial circumstances and Hela Pesa’s responsible lending practices. If you ever have questions or concerns about the loan type you receive or your eligibility, our dedicated customer service team is available to provide guidance and address any inquiries you may have.