Loan Process

To apply for an interest-free loan from Hebrew Free Loan, follow the steps below:

(Applicants must be Jewish residents of Northern California, unless referred by a partner agency of our Nonsectarian Student Loan Program.)

  1. Identify which loan type meets your needs. If you aren’t sure, please call (415) 546-9902 x104 or e-mail info@hflasf.org.
  2. Submit an online application. (Please call or email if you’d like a hard copy.)
  3. Schedule an in-person meeting to review your application. (We will contact you to arrange this).
  4. Complete additional loan documents, including a promissory note that outlines your legal commitment to repay the loan.
  5. Obtain completed guarantor information forms and have your guarantors sign the promissory note.  (Alternatively, family or friends may secure the loan with liquid collateral.)
  6. Return completed documents to Hebrew Free Loan.
  7. Our Board of Directors will review your loan request. If your loan is approved, repayment will begin approximately 30 days after disbursement.