Interest-free loans
The WGAE has partnered with three nonprofits – the Hebrew Free Loan Society (HFLS), Jewish Free Loan Association (JFLA) and Jewish Free Loan Chicago (JFLC) — to provide Guild members* living in eligible regions with access to 0%-interest, no-fee loans to meet a wide array of financial needs.
*These loans are available to members from all three membership sectors, as well as to nonmembers who reside in these geographic regions. Loan amounts and eligible uses vary by nonprofit, but are all 0%-interest and no-fee.
In NYC/Westchester/Long Island: Hebrew Free Loan Society (HFLS)
Hebrew Free Loan Society (HFLS) Website
To qualify for an HFLS loan, you must live in NYC’s five boroughs, Westchester, or Long Island; have low to moderate annual household income for your household size; and locate one or two qualified guarantors, depending on the loan program and amount.
Detailed information about income limits, guarantor requirements, loan terms, and links to online applications are all available on each loan program page.
If you have questions about applying for a loan, please visit the HFLS’s How to Apply webpage or reach out to HFLS via email at loan@hfls.org.
In Los Angeles/Santa Barbara/Ventura counties: Jewish Free Loan Association (JFLA)
Jewish Free Loan Association (JFLA) website
To qualify for an JFLA loan, you must live in Los Angeles, Ventura or Santa Barbara county in California; have at least one guarantor; and meet certain income requirements to demonstrate your ability to pay back your loan.
Detailed information about loans, guarantor requirements, loan terms, and links to online applications are all available on each loan type’s program page.
If you have questions about applying for a JFLA loan, visit the JFLA’s Loan Process page or contact the JFLA offices by emailing info@jfla.org or by calling 1-844-JFLA-ORG (1-844-535-2674).
In Chicagoland: Jewish Free Loan Chicago (JFLC)
Jewish Free Loan Chicago (JFLC) website
To qualify for a JFLC loan, you must live in the Chicagoland area (as generally defined by any of the following counties: Cook, DuPage, Kane, Lake, McHenry, or Will County); meet certain income limits based on your household size; and have at least one qualified guarantor.
Detailed information about loans, guarantor requirements and the application process are available on the JFLC’s step-by-step “How to Apply” guide.
If you have questions about applying for a JFLC loan, submit an inquiry on their website, send them an email at info@jflchicago.org, or call their office at 312-344-3468.
