Jewish interest free loan association.
The Jewish Free Loan Association, or JFLA, provides money to people that are facing a financial hardship. The non-profit issues 0% APR loans that will help pay for certain types of bills, including transportation, housing, educational expenses and more. Note the restrictions in that that some locations only lend money within the Jewish community, and others offer help to people of all religions, faiths, and backgrounds. Learn more about JFLA free loans and how to apply below.
Where are Jewish Free Loans?
Operating from dozens of locations, JFLA provides assistance to individuals. This form of interest free financing can help individuals or families that are faced with a short term, one time type crisis situation.
Over the years there have been hundreds of thousands of people that have benefited from the service from the non-profit charity organization. Funds have been used for paying housing or rental costs, medical needs, utility bills, or transportation. The money is issued on a non-sectarian basis to individuals whose needs are urgent and who may not qualify for other government benefits through normal channels.
The loans from the Jewish Federation can be used for paying a number of bills and addressing various needs. However the program is intended to serve as a helping hand to the less fortunate, and it is not a handout. The main reason that this is the case is that the loan needs to be repaid over time by the borrower. So the borrower is fully responsible for gaining self-sufficiency.
While the terms will vary based on location, the applicant’s financial condition and other factors, no matter what there will not be interest charged to the recipient. The dollar amount issued will also vary by the specific Jewish Association.
Most people use the loans for emergency expenses that are one time in nature. They should never be used for bills or expenses that are recurring and that have no long term solution in place. The association is also a non-profit, and some locations may work with borrowers and provide them with other financial counseling. Many clients use the funds to pay for some or all of the following.
- Unexpected car repairs – If your car needs work, tires, etc. and that is issue is preventing you from working, then receiving assistance to fix the car is very important.
- Housing expense – Rent or utility bills can be paid by the interest free loan. In some cases a household member may have a short term reduction in hours at work or some other one time situation. When this occurs, the loans can help pay rental or other costs during that time frame and can even be used to prevent an eviction.
- JFLA loans can be credit building - The money is tracked and needs to be repaid to the Jewish Association. This can in effect help borrowers with bad credit scores, or who want to start to build a credit history, begin that journey. More on a credit builder loan.
- Security deposits – When moving into a lower priced apartments with a lower monthly rent, it can be a wise use of funds to pay the deposit. Then the money saved from the lower rent over time can be used to repay the loan.
- Employment and education – If attending school or developing/investing in a small business, this can be a good use as it can lead to increased income in the future. This cash in hand can help empower borrowers and promote long term self-sufficiency.
- Emergency medical costs – The Jewish Association can help pay for medications, a one time health care cost, and similar expenses.
A number of different needs and bills can be paid as well. The repayment rate on these is very high, but there may be some loans for people with bad or lower credit scores. So borrowers are effectively using the assistance to address the emergency. For example, the Jewish Federation of Los Angeles has a 99% repayment rate. This is partly achieved from the screening and application process in place, as people do need to formally apply and qualify. Or find details here on emergency bad credit loans.
Each of the members noted below is a non-profit. However they are all part of the IAJFL - International Association of Jewish Free Loans. All of the charity agencies are operated locally and the loans are also paid out by the local market. So the terms and conditions will vary by state and center.
While the programs are run in each state, as noted the zero percent rate loans can be offered to provide assistance for emergencies such as rent, transportation, clothing, housing, food and energy bills. These forms of interest-free loans, instead of public aid or charity, go a long way to fill an important gap in the nation’s social system by promoting self-sufficiency at the same time as dignity.
In many instances, the interest free loan financing is used to pay for technical and vocational training, small business start-ups, adoption assistance, home healthcare needs, or families with children disability. In some cases some state federations may offer the financing as part of undergraduate and graduate student loans. You need to call your local agency to get information and apply for help. This type of financing from a nationally renown charity can help families lead more rewarding and responsible lives.
Locations that provide loans from the association
Some of the local offices will issue funds on a non-sectarian basis, meaning they are offered to qualified borrowers of all backgrounds. However in other cases, the loans may be restricted to paying certain types of bills or issued to certain clients. Learn more here on the Jewish worldwide loan association.
Note that some Jewish Free Loan associations will only lend funds only to members of the Jewish community.
Arizona
Hebrew Association of Tucson, 4301 East 5th Street, Tucson, AZ 85711-2005, dial (520) 297.5360
California
The IAJFL Home Office is located at 6505 Wilshire Boulevard, Suite 715, Los Angeles, CA 90048, dial (323)761-8830. This is the headquarters of the charity. The loans can be issued across Southern California, including in Ventura and Los Angeles County. Learn more on Los Angeles County no interest loans.
Jewish Family Service of San Diego, Turk Family Center. The office is at 8804 Balboa Ave., San Diego, CA 92123. Telephone number is (858)637-3000.
Hebrew Free Loan Association of San Francisco, 131 Steuart Street, Suite 520, San Francisco, CA 94105, (415)546-9902
Colorado
Jewish Interest Free Loan of Colorado is based at Temple Sinai, 3509 S. Glencoe, Denver, CO 80237, call 303-759-0841
District of Columbia region
The Hebrew Free Loan Association of Greater Washington only lends to Jewish people who can prove a need for help. The region supported includes Virginia, Maryland, as well as the Washington DC area. Address is 6121 Montrose Road, Rockville, Maryland 20852 and phone number is 301-770-4836.
Florida locations
Ruth Rales Jewish Family Service, 21300 Ruth & Baron Coleman Blvd., Boca Raton, FL 33428, telephone number is 561-852-3334
Hebrew Free Loan Association of South Florida, Inc. It serves Miami-Dade County. P.O. Box 630362, Miami, FL 33163-0362, 305-933-1187 (phone)
HFL of Palm Beach County, 4601 Community Drive, West Palm Beach, FL 33417-2760, 561-242-6642
Georgia
Jewish Interest Free Loan of Atlanta. Address is 5115 New Peachtree Road, Chamblee, GA 30341. Note this center will only serves members of the Jewish community in the metro Atlanta area and surrounding region. 470-268-5665.
Maine
Jewish Community Alliance, 57 Ashmont Street, Portland, ME 04103, main phone 207-772-1959
Maryland and District of Columbia
Hebrew Free Loan Association of Baltimore, 5750 Park Heights Ave., Baltimore, MD 21215, dial the center at (410)843-7536 for an application.
Hebrew Association of Greater Washington, 6121 Montrose Rd., Rockville, MD 20852-4856, (301)770-4836. This center also supports the District of Columbia.
Massachusetts
Hebrew Free Loan Association of Greater Springfield is located at 1160 Dickinson St., Springfield, MA 01106. Call (413)736-6573
Michigan
Hebrew Free Loan of Metropolitan Detroit and Wayne County is located at 6735 Telegraph Road, Bloomfield Hills, MI 48301. Call the center at 248-723-8184
Jewish Federation of Grand Rapids, 2727 Michigan St NE, Grand Rapids, MI 49506, telephone number is (616)942-5553
Minnesota
Jewish Family & Children’s Service, 13100 Wayzata Blvd., Minnetonka, MN 55305, (952)546-0616
Missouri
Jewish Loan Association is operated by Jewish Federation of St. Louis. The location is 12 Millstone Campus Dr., St. Louis, MO 63146. Call (314)432-0020
New Jersey
Hebrew Free Loan of New Jersey, c/o Jewish Family Service of MetroWest, 256 Columbia Turnpike, Florham Park, NJ 07932. Call (973)765-9050
Paterson Hebrew Association is a charity that is located at 10-10 Norma Avenue, Fair Lawn, NJ 07410, telephone 201-791-8395
New York
Hebrew Benevolent Loan Association, 2640 North Forest Road, Getzville, NY 14068, call (716) 204-1133
Hebrew Free Loan Society, 675 Third Avenue, Suite 1905, New York, NY 10017, telephone number is (212)687-0188. Find more information on loans from the New York Hebrew Society.
North Carolina
Jewish Educational Loan Fund provides coverage to this state as well. They also provide assistance in Georgia.
Ohio
Jewish Federation of Cincinnati, 8499 Ridge Road, Cincinnati, OH 45236-1200, main phone 513-985-1500.
Hebrew Free Loan Association of Cleveland. The main office of the non-profit is at 23300 Chagrin Boulevard, #204, Beachwood, OH 44122. Call the charity at (216) 378-9042. This center supports the entire northeastern Ohio region, including Cuyahoga County as well as Summit and nearby counties. Interest free financing for emergency bills, education or employment needs may be offered. Some is focused on the Jewish faith. Click here for no interest loans in Cleveland.
Pennsylvania
Hebrew Free Loan Society of Greater Philadelphia, c/o Beth Sholom Congregation, 8231 Old York Road, Elkins Park, PA 19027. This organization will only lend to members of the Jewish community, and any applicants need to have a strong connection to the community or be Jewish. They also only provide money to the nine county Philadelphia region. The main number is (267)709-9652
Hebrew Association of Pittsburgh is at 4315 Murray Avenue, Pittsburgh, PA 15217. Dial (412)422-8868 or (412)422-8740
Rhode Island
Hebrew Free Loan Association of Providence, 58 Burlington Street, Providence, RI 02906, for information, dial (401)331-3081
Texas
Dallas Hebrew Free Loan Association. They only lend funds to people of the Jewish faith and individuals that live in north Texas. The contact information is PO Box 671235, Dallas, TX 75367-1235, (214)696-8008.
Hebrew Free Loans of Austin, 3571 Far West Blvd. #233, Austin, Texas 78731, dial (512) 677-4352
Tarrant County Hebrew Association. Location is 4750 Bryant Irvin Rd., STE 808, Fort Worth, TX 76132-3631, telephone number is (817) 569-0898
Hebrew Free Loan Association of Greater Houston and Harris County is located at 4131 S. Braeswood Blvd., Houston, TX 77025, (713) 667-9336
Association of San Antonio, P.O. Box 780264, San Antonio, TX 78278. This non-profit supports all of Bexar County. Dial (210)736-4352
Utah
Joseph & Evelyn Rosenblatt Free Loan Fund, care of Jewish Family Services, #2 North Medical Drive, Salt Lake City, UT 84113, (801)746-4334
Washington
Hebrew Free Loan Association of Seattle, mailing address is PO Box 18862, Seattle, WA 98118-8862, 206-722-1936 and 206-722-0310
Wisconsin
Milwaukee Jewish Free Loan Association, 409 E. Silver Spring Drive, Milwaukee, WI 53217, 414-961-1500. Zero percent loans are for the greater metropolitan area and can be used for bills such as rental costs, health care expenses, and other needs. Loans may be issued in as little as 1 or two days once the application has been approved. More on Milwaukee area Jewish Association.
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