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 to our Nonsectarian Student Loan Program.)


  1. Identify which loan type best meets your needs. If you are not sure, please call 415.546.9902 x104 or e-mail
  2. Submit an online application. (If you prefer a hard copy, please call or email us to request.)
  3. A Hebrew Free Loan staff member will contact you to schedule an in-person meeting to review your application.
  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 the signature of your guarantor(s) on the promissory note.  (As an alternative, 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.
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