Interest-Free Loans That Help You Move Forward
Whether you're pursuing an education, consolidating high-interest debt, supporting your family, or facing an unexpected financial challenge — HFLA offers interest-free loans designed to help you move forward with confidence.
How HFLA Can Help
Jewish Community Participation | Medical & Dental | Family Building & Caregiving | Education & Training | Housing, Transportation, Essential Living
Are You Eligible?
You may be eligible if you:
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Are Jewish
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Have been a Washington State resident for at least six months
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Are at least 18 years old
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Have a reliable source of income to repay the loan.
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Can provide a qualified guarantor when required
Meeting these basic qualifications does not guarantee loan approval. Every application is reviewed individually.
Before You Apply
Having the following information ready will help make the application process easier:
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Contact information
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Employment and income information
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Monthly expenses and debts
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Recent proof of income, such as pay stubs or a recent tax return
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Information and documentation about how you’ll use the loan
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Guarantor contact information, when required
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Government-issued photo ID
If additional information is needed, we'll let you know during the application process.
The Application Process
How to apply
Complete the Prequalification Form
Complete Your Application
Complete an intake phone call
Meet with the Loan Committee
Receive a Decision
Sign Documents & Receive Funds
What Happens After I Apply?
After you submit your prequalification form
We'll review your information and contact you about the next steps, typically within one to two business days.
Once your application is complete
We'll review your materials and schedule your confidential Zoom interview.
After your interview
The loan committee reviews your application and makes a decision.
If approved
You'll sign your loan documents electronically, and we'll arrange for your loan funds to be disbursed.
Questions? If you haven't heard from us within a few business days, please contact us. Response times may be longer during major Jewish holidays.
Guarantors
Repayment
HFLA loans above $1,000 require one qualified guarantor. A guarantor agrees to repay the loan if the borrower is unable to do so. Guarantors help protect HFLA's charitable revolving loan fund so it remains available for future borrowers.
We'll explain the guarantor's responsibilities before any documents are signed.
HFLA loans are always interest-free. We'll work with you to establish a monthly repayment schedule before you accept your loan.
General Loans
typically repaid within 3 to 5 years
Student Loans
typically repaid within 6 years
Your Privacy
Your application is handled confidentially in accordance with HFLA's Privacy Policy.
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