General loans
General are interest-free loans of up to $6,000 that require a guarantor (what's that?)
Interest-Free General Loans
Support for financial challenges, essential expenses, and opportunities that help you move forward.
Mini-Loans
Up to $1,000
Guarantor typically not required
General Loans
Up to $6,000
Guarantor required
FLoans can help with housing, medical and family expenses, debt consolidation, education and training, small-business needs, and other important expenses.
All loans are made to individuals, including those seeking assistance with small-business expenses.
Before You Apply
To qualify, applicants must:
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Be Jewish
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Have lived in Washington State for at least 6 months
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Be a U.S. citizen or lawful permanent resident (Green Card holder)
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Have a reliable source of income or repayment.
Please note:
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A guarantor is required for all loans over $1,000
How does the loan process work?
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Submit a prequalification form
Start by completing a short prequalification form online. If you appear eligible, HFLA staff will invite you to complete a full loan application.
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Application review and interview
Once your full application is reviewed by staff, qualified applicants will be invited to speak virtually with two HFLA board members for a brief 20–30 minute conversation.
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Loan decision
After the interview, HFLA determines loan approval, repayment terms, and loan amount based on each applicant’s individual circumstances.
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Approval and funding
Approved applicants sign a promissory note (what's that?) before funds are distributed.
Repayment plans are tailored to each borrower’s situation. We encourage repayment via Zelle, ACH or checks to avoid credit card processing fees.
Because HFLA operates with a small staff and volunteer board members, timing may vary depending on scheduling and holiday observances. While some applications move quickly, others may take one week or longer.