Hela Pesa Salary Loan

Tag: Hela

  • Buying school supplies Now will be the best decision you’ll ever make. Here’s why

    Buying school supplies Now will be the best decision you’ll ever make. Here’s why

    Remember Loci? Surds? High school maths? Congratulations, me neither. But even as we indulge in selective amnesia, I think you will agree that school is an indispensable part of modern life. Had it not been for school, most wouldn’t be where they are, wherever that is. That’s good. The bad comes when we have to buy supplies for our children at the beginning of every school year. The ugly is when we have to pay school fees.

     Now, I know we’re in Ditheba, in a festive mood, ready to Parte and I’m probably ruining that now but come January 18th, the weirdly crazy, bitter reality will set in and have you queue in bookshops and tailor shops everywhere looking to buy school supplies for CBC and 8-4-4 manenos. Tempers will flare and enough anger will be burnt to probably cause flash floods in Antarctica.

     I have a secret that will get you out of the impending jam and since I care about you, I’ll let you into it. OK, listen (or read) carefully. To avoid all the hassle that comes with January shopping, buy your school supplies now. Capisce?

    Here’s why:

    You are (probably) not broke now

    The Kenyan calendar is the third most unique after the Ethiopian calendar. Ethiopians are in 2015 and we have Njaanuary. That dreaded month that people loathe, and wish to purge off the calendar and have it burn in hell in the company of rainy Mondays. For a majority, this is a month of intense heat, unrelenting brokenness, empty wallets, and small fortunes to pay back to Fuliza and its ilk. What’s worse, they have restored the academic calendar to default settings. Meaning that kids will be heading back to school when you’re at your most broke.

    However, I’m thinking that you’re not as broke now as you will be in January. After all, you have a Hustler Fund Loan. And the best way to use that money would be to do school shopping now. As Warren Buffet once quipped, be greedy when others are fearful, and be fearful when others are greedy. Now is the time to be fearful of spending all your money on merriment. People are greedily spending their cash to indulge themselves, which is a terrific thing, and while I do not wish to be Jeremiah tough times are coming. Do your school shopping now rather than in January and I promise you will not regret it.

    If, however, you are strapped for cash, head over to our website or to the Play Store and download our app. We will sort you out to enable you to buy the books, pens, and Daddie’s new uniform. This way, your loan will quickly be paid via a check-off account for tangible school shopping you can see, rather than have Fuliza gobble up your cash for a hangover you only felt and probably hated.

    You will have premium peace of mind

    The keyword here is premium. The hassles and jostles of January school shopping have seen marked depression among parents to the extent that some have had to take anti-depressants. But that doesn’t need to happen to you, because I know you are smart.

    In the space that is post-modernity, mental health, and wokeness, your peace of mind is the most valuable thing you can have. After all, everything in your life hinges on your sanity, right? Improving mental health does not need to happen in large dollops or in big swoops but in small pellets and little sips. Taking one step at a time, for example by shopping for school materials now will help improve your mental well-being.

    Come January, parents will face the double-edged sword of school fees and shopping with virtually no defence. You, however, will only face a single-edged sword that is school fees. Meaning that you will have a fifty per cent chance of surviving January with your peace of mind intact. Those are odds I’d be very comfortable wagering on.

    You will save money

    This is the Holy Grail of shopping. Saving money. And there is no better way to save than to be early, correct? This especially rings true for seasonal goods like books, pens, and other school supplies. The thing with seasonal goods is that their demand and supply rise and fall based on the time we need them the most. For gumboots and umbrellas, it is during the rainy season. For school supplies, it is January.

    Buying seasonal goods when their peak demand has not been reached yet or has passed is the best way to save cash. Now, for school supplies, they are best bought before they are needed and that is now. Coupled with the need for stock turnover retailers might get you very good deals on them. This, though, will require you to be in the right place at the right time doing the right thing. Which is shopping for your school supplies now before there is a shift and movement in the curves of demand and supply. Head on to Jumia to see what I’m talking about.

    You will have choices

    Shopping early gives you an array of choices. Since you will not be scrambling with other shoppers for goods that are not available because of artificial shortages and hoarding, you will have the pick of the litter. This allows you manoeuvrability in terms of the quality of products that you want to buy, ensuring that you give your children a better start.

    Having a choice further enables you to dodge shortages that might cause havoc to your otherwise impeccable budget. If you are a stickler for quality products, shortages will see you spending more than you anticipated or, conversely, have you buy low-quality products on the market. Either of these routes will see you spend more in the long run and in this era of high inflation, spending more will derail you badly.

    To avoid all this shop early, shop now.

  • Tactics to Saving Fuel this Festive Season

    Tactics to Saving Fuel this Festive Season

    Oil is the opium of the world. The dose that keeps the world patient while it’s being overloaded with climate change, extremism, poverty, and every other manner of garbage. The world is addicted to it and I doubt if there is any detox program to wean itself off. To put it into perspective, the world consumed close to 99.4 million barrels of oil per day this year. This addiction has made the House of Thani family of Qatar very rich, by the way. The family is worth close to $335 billion. Meaning that if they add nothing to their fortune and consume $1 billion a year, their fortune will run out in the year 2357. Yeah.

     Oil and its offsprings get us high, and we’re never coming down. But, being the good humans we are, moderation is our virtue, and although we love largesse, our conscious dictates we save here and there. This is why I bring you this post ladies and gentlemen. We are speeding into the festive season at sixty minutes per hour. The period when we spend and simultaneously strive to save. To reach my quota of goodness this year, I am going to offer some insights to help you save fuel this season. Ready? Let’s Go…

    Clean your filter and change your engine oil

    This is Saving Fuel 101. Want to save fuel? Service your vehicle.

    Saving fuel has never been this easy, but many people never bother. As a distinguished member of the Amateur Mechanics Association of Kenya, I bring you a special message from the automotive gods. Change or clean your filter regularly and you will save a lot of fuel. Don’t believe me? Well, try to keep up.

    Everything requires oxygen to burn, including the fuel in your engine. The work of an air filter is to, well, filter the air of dust and other debris from getting into your engine and damaging it. However, if it’s clogged, less air passes through and thus little of it enters the engine. From basic science, we know that air is made up of approximately 21% Oxygen. Less than a quarter. So the less air, the less oxygen available for burning your fuel. Your engine, on the other hand, has a fixed capacity and if less air is drawn into the cylinder per charge, it will gladly fill the remaining percentage with extra fuel. Resulting in a rich mixture. Since there is less air to burn that fuel, the oxygen will bind with whatever fuel it can burn and release the rest of the unburnt fuel as black smoke. Do this a few thousand times per minute and your vehicle turns into a fuelaholic. A guzzler. Consuming your fuel in a manner likely to suggest that it doesn’t like you. Which is terrible, especially if you intend to save on fuel.

    Oil, as you know, lubricates your engine. If you don’t change it regularly, it becomes heavy. Which in turn reduces its lubricating capability, making the engine strain to overcome the extra friction, making it work harder than necessary. And you know what happens to an engine when it works hard? No, it doesn’t get paid more, Ernesto. It consumes more fuel. Jeez!!!

    Reduce idling and unnecessary revving

    Idling is sometimes unavoidable in the modern world. And the more modern the world becomes, the more our vehicles will idle. This is a fact that won’t save you fuel, anyway. We spend more time at junctions, red lights, and traffic jams because the infrastructure grows slower than the rate we buy cars. On average, it’s estimated that we spend close to 3-4 hours every day on the commute. Keeping your car idling for even a third of that time will cost you about 0.64 liters of fuel. This is because, as the engine idles, it’s consuming fuel, doing no work. Wasteful. If you’ve to spend more time idling in traffic jams, the best strategy is to turn off your engine. This will help you save fuel because your engine will only run to drive your vehicle. Now that’s smart.

    Note: Don’t do this if your engine has a hard start. It will embarrass you.

    Revving you’re your engine is the most wasteful thing you can do. Some motorists rev their engines after starting. Why? It’s pointless and adds nothing except waste fuel by unnecessarily straining the engine. The basic procedure is to start, idle, and drive. Unless your engine has a hard start, don’t rev it, especially if you’re trying to save fuel. However, if you’re not trying to save fuel, rev baby rev. 

    Avoid thrashing your engine

    If you have a heavy foot, go see a doctor. It might be a condition. But if seeing a doctor is not on your bucket list, then hear me out. Putting the pedal to the metal, the symptom of a heavy foot, will not:

    1. Make you go any faster
    2. Make you look any cooler
    3. Save you any fuel

    Unless you have an electric car, which I know you don’t desist from smashing the pedal to the floor. This is because your car weighs at least a ton, and therefore will need to overcome its inertia before picking up any discernible speed. Suddenly stomping on your accelerator, as you move, opens the throttle body wide allowing maximum fuel into the engine with little work. All this just wastes your fuel.

    This also goes for your driving. Unless you’re a getaway driver in a robbery, it makes little sense to make your engine scream. Learn to operate your engine at optimum rpm to suit your driving. This will not only help save you unnecessary visits to the mechanic, but it will also go a long way in helping you save on fuel.

    Walk

    No brainer. The best way to save fuel is to not use your car. 

    Get a Prius

    This is my favorite. If you have some 3 Million shillings lying about that you have no use for, get yourself a Toyota Prius. This move will save you some crazy amounts of fuel. According to Toyota, the Prius returns about 56 mpg combined. For every 100 km traveled, a Toyota Prius will use an average of 4.2 liters of petrol. A Premio returns 8.3 liters per 100 km. If you were to travel from Mombasa to Kisumu, a distance of about 825.5 km, assuming every other thing is held constant except fuel, the journey will cost you about 6,000 shillings in a Prius. Yeah, I know, that’s 4000 more than an Ena Coach ticket. That’s, however, about 6,000 shillings less than what a Premio will consume in fuel. What’s more, you will finish the journey earlier as the Prius has 136 hp compared to a Premio’s modest 125 hp. Talk about being outclassed.

    Please Note;

    This is not an exhaustive list. It’s but a tip of a very long list. However, if you are to learn anything from the list, it’s that it doesn’t need to take drastic measures to save fuel (well, except the last one). Doing the above will save you a lot of money in the future. And as you speed along into the festive season, I wish you nothing but the best and happy fuel saving.

    Sorry, it’s me again. I couldn’t leave you without a call to action so, here goes nothing. Hela Pesa Salary Advance supports this post. Please head over to our website or download the Hela Pesa App for a quick Salary Advance this festive season.

  • Our Mission to our clients

    The great-souled, Mr. Mohandas Karamchand, once said that the customer is THE most important visitor that a business can ever have. That the whole universe, and by extension, the existence and sustenance of any business, wholly depends on the customer. Without the customer, nothing in a business works, and nothing ever will. Thus it’s our mission to ensure we serve our clients diligently.

    We put you ahead of everything

    In offering our Salary Advance personal loan, we are competing with hundreds if not thousands of firms, and your belief in us means everything to us and is greater than anything we could ever dream of.

    It is a commitment and a rallying call to ensure that we’re at your beck and call to give you the very best that we can offer as a company. For most firms, dealing with customers involves shutting their eyes tightly and drawing deep breaths just to attend to your needs. To them, interacting with you is nothing but obligatory. Something to be done and get over with.

    We, however, believe that it should and, by extension, must be different. For us, this is not an expense but a lofty opportunity to beef up, shore, and uphold a commitment that is integral to our core values and aspirations. Serving you makes us happy. We are willing to do it over and over again because Hela Pesa believes that the real heroes are you, the customer. We, therefore, would like to maintain a relationship with you that goes beyond the Salary Advance Loan.

    We want a relationship that lasts forever because without you, we would not be here and we wouldn’t have our exemplary service team to be at your service.

    Salary Advance is a niche that is almost if not already, flooded by firms and we are cognisant of that fact. We understand that any customer who agrees to do business with us is worth, many times over, their weight in gold.

    As the good professor Theodore Levitt once weighed in, the true purpose of a business is to create and keep a customer, not to make money. Money must come a distant second to how a business must treat its customers. This is because the largest revenue driver in any business is a function of the treatment of its clientele. We believe in the need to put you far beyond and above anything in the firm.

    We believe you are a hero

    In providing you, the customer, with a Salary Advance Personal Loan, we are not merely providing you a loan. Rather, what we are building with you is a relationship. We understand the implications of loaning. When borrowing, one is left somewhat with a feeling of vulnerability.

    We’re here to tell you, though, that that is not the way we view you at all. We feel and believe that we’re building and nurturing a meaningful relationship with you. When you access your Salary Advance Personal Loan, you are a hero, making decisions that will secure your future and those who believe in you.

    In this respect, we aspire not to be merely a vendor of Salary Advance Loans, but instead a partner. We are your partners and we hope and bet on everything that we have that this partnership and friendship will last a lifetime. Vendors sell…things, but partners are with you for life.

    Through the bad and the good, the beautiful and the ugly, the sweetest and the bitterest. Through all of these, a true partner will always be by your side to see you through all events, both in space and time. We want to be this to you.

    We want to be a partner who understands and empathizes, and when the rubber hits the road, there to provide you with a loan to refuel your journey. Our Salary Advance personal loan is an extension of that partnership.

    This partnership with us is something that we could never begin to ever quantify, monetary or otherwise but one that we feel looming large every day, but in a good way, offering comfort and further acting like guidance and beacon to ensure that we offer you the best Salary Advance terms that could ever be offered in the market. In our day-to-day journey, we want to be always there when you need us, providing financial help when you need it.

    One that is like a pillar of cloud by day and a pillar of fire by night, guiding and showing the way ensuring that we not only serve you better but also be loyal to you just as you have been loyal to us.

    You are always important to us

    That is why we are more than happy to go out of our way to build, nurture and maintain relationships that are of massive advantage to both of us. The improvement and refinement of our customer service experience are one of such ways we use to nurture the relationship. We believe we are here to ensure that your life runs as smoothly as possible and that means that promptly resolving your issues surrounding the Salary Advance personal loan adheres to this mindset.

    We believe, and very strongly for that matter, that you, the customer, are not just an important aspect of our business but the only aspect of our business. You are the sole viewport through which we view our business landscape. Without you, we would be nothing but a blind entity. We believe you are our lifeline. The only thing that is keeping us alive and we would also wish more than anything to celebrate you and the trust that you have put in us. We are honored.

    As you head to our website or our app for your Salary Advance Personal Loan, we raise a toast to you and tell you, Asante! for being there for and with us, for believing in us enough to take this financial journey with us.

  • Hela Pesa and the Salary Advance Revolution in Kenya

    Hela Pesa and the Salary Advance Revolution in Kenya

    There comes a time in a human’s life when it is inevitable that they will need help. Financial help to be exact. These are difficult times, especially for ordinary citizens with almost double-digit inflation rates and the price of basic commodities beyond the reach of millions of ordinary Kenyans. During these times, each one of us needs a reliable financial partner who has got your back and won’t turn you down when you need help the most.

    Hela Pesa Salary Advance

    It is in tandem with the above scenario that Hela Pesa Salary Advance personal loan lays its foundation. On the philosophy of a more accessible, reliable, and dignified way when it comes to the availability of credit. Hela Pesa believes that one needs to have a backup in times of crisis and, to be fair, there hasn’t been a crisis like this in a long time.

    Our Salary Advance personal loan boosts your confidence in giving you the power and the knowledge that the door won’t be slammed in your face at the moment of need, setting you apart from the crowd as it goes scrambling around madly, panicking and calling everybody in the phonebook ‘akuangushie kakitu utamsort mwezi ikiisha’.

    Instead, we assure you will always be there for you when the going gets tough, as it more often than not, does.  Instead of the panicked scrambling around, we envision a cool, calm, and collected way, sweat and hassle-free, and painless. We envision you sitting by your phone, tapping your phone calmly knowing that in the end, we will always come through.

    Personal Finance

    Although a Salary Advance is technically defined as a personal loan provided by financial institutions to salaried individuals in borrowing against future earnings, we believe that ours is far superior to what is in the market today. In most cases, this kind of advance is allowed only once on many platforms. However Hela Pesa, through our Salary Advance allows you to borrow multiple times as long as your credit eligibility is intact.

    When you repay your loan, Hela Pesa allows you the leeway to borrow and access our Salary Advance over and over again, ad infinitum. This means that you, as a customer are not restricted at all on the number of times you want to borrow, either as a top-up, or a brand-new loan.

    This, we believe, gives you massive flexibility in planning your finances whilst at the same time giving you the freedom of not being trapped in a vicious cycle of having to depend on your monthly salary alone in making your budgets.

    Also read: A Salary loan in Kenya

    Easy Application

    Hela Pesa is here to make sure that you minimize the number of hassles and headaches that you have to go through in planning your finances. Deep down, we are human and we understand that it’s quite hard, as goings go currently. That is why we are more than willing to be your partner to see you through these tough times. We strongly believe that with our Salary Advance, the possibilities become endless when it comes to spending your money.

    Our Salary Advance package is not restricted to only just emergencies as it has been viewed traditionally. You have the freedom to utilize this loan for any purpose that you feel is right. These include but are not limited to, Holiday and travel expenses, medical expenses, house repairs and renovation, school fees or even starting a side hustle. The list is endless with what you could do with it. The choice is yours.

    Hela Pesa Salary Advance is a personal loan and a salary advance all rolled into one. This gives you massive advantages as our client by offering you the best of both worlds when it comes to credit. One advantage of a personal loan is speed and ease of access to the loan and Hela Pesa is right up there with the best of them if not the best. From registration to application to approval and disbursement, we’ve streamlined the process to ensure that the money gets to your phone as fast as possible.

    We’re here to ensure that your life runs as smoothly as possible and our speed of access ensures that the anxiety and anguish that is more often associated with loan processing is reduced to the very minimum. Our relationship with you, as a client, is defined primarily by how fast we get you the money that you’ve applied for, and we promise that we won’t let you down.

    Ease of Use

    Further, as a personal loan, Hela Pesa ensures that your Salary Advance comes as a lump sum. This essentially means that whatever amount you’ve applied for comes in full. This gives you peace of mind and makes sure that we deliver on your dreams and aspirations as exactly as you envisioned them.

    This makes it easier to start that side hustle that you’ve always wanted to set yourself up financially or buy that dress you’ve always desired or buy her that gift that will bring your romance to its climax. Further, it gives you peace of mind, especially during emergencies, for example, medications that may require fast and lump sum payments. These can be all achieved by the salary advance and our Hela Pesa Salary Advance makes you sure-footed in the slippery road that is money.

    Hela Pesa Salary Advance requires no collateral as a requirement. Unlike traditional loans, our salary advance doesn’t require you to put up your assets to access it. Indeed, unlike other lenders who may also need you to bring in guarantors, Hela Pesa chooses deliberately not to go that route.

    We believe in our clients therefore putting them through hoops to provide credit is not our philosophy. We believe in a working relationship with our clients and an establishment of trust is one of the core ways of establishing that business relationship.

    As a salary advance, on the other hand, our product is thus guaranteed by your government employer. This essentially means that you do not have to go around talking people into backing you when you need a line of credit. For us, your employment says more than enough.

    Once we have an agreement with your employer, that is all the guarantee that we’ll ever need. This gives us an edge and ensures speed in processing your salary advance Accessing our Salary Advance, all you have to do as our client is to furnish us with your details, and voila! That is all it takes to access our products.

    Hela Pesa gives you flexibility and room to choose your credit terms. The amount that you wish to have, the amount of time that it will require you to repay it whether 2 or 24 months it is all in your hands. In further easing your life and especially in repaying your loan, Hela Pesa does all the grunt work for you and simply deducts the amount straight from your check-off account.

    This enables you to focus on the most important and valuable aspects of your life because, frankly, we think that keeping a loan repayment schedule constantly in your mind is not the best way to live your life to the fullest and thus should not be getting in the way of living your life. This, we believe is a win-win for both of us as it gives us both, and especially you, peace of mind. This way when your loan has been repaid, you can borrow again and again to meet your needs and achieve your goals.

    In line with being the best Salary Advance provider in Kenya, we offer a website where you can register for free. No upfront fees or membership fees are applicable. Further, we provide what we think is the best loan app for a Salary Advance loan in Kenya. The Hela Pesa Loan app gives you the ability and authority to take matters into your hands. In addition to application and disbursement, you can track the performance of your loan, schedule your repayments, apply for a top-up, and so much more.

    Part of being a good business partner involves excellent customer relations and that is one of the many fields in which we excel. We recognize that you, the customer are the most important cog in our business. We have therefore pulled all stops to ensure that our interaction with you brings you back again and again. We operate on all platforms, whether on the phone, via email, or via chat to ensure that all your questions are asked. We pride ourselves on being the best by ensuring that you get nothing but the best.