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In response to the COVID-19 crisis, all loans applications are being processed electronically and the client interviews are taking place by Skype or Facetime.
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JFLA makes loans, in part, thanks to the generosity of Cedars Sinai, LA City Council District 4 Loan Fund, Supervisors Mark Ridley Thomas and Sheila Kuehl.
Recipient family of an interest-free non-profit loan brushing their teeth and enjoying simple moments

In Need Of An Emergency Loan?

  • JFLA is a Nonprofit Providing Loans With No Interest And No Fees

  • Short term loans to put towards any emergency bills

  • We’re a non-profit organization that helps people of all races and religions by offering interest free personal and business loans with no collateral

As a nonprofit, our loan process is simple: You borrow money and pay back exactly the same amount.

Emergency online loan guide for those with bad credit

Many credit cards will charge you up to 30% in interest. And Payday loans are much, much worse. Want to see how much you are really paying? And how you can pay zero interest?

Read about interest rates

Thank you to our incredible guarantors.

You are our heroes.

Most of JFLA’s 0% interest loans would not be possible without guarantors agreeing to secure the loans for our borrowers.

Please take a look at the feature article in the current issue of Shalom Santa Barbara highlighting the important role that guarantors play at JFLA. You can find the article on p.72-73 using the scroll bar.

If you or someone you know is looking for a loan, please visit jfla.org to learn more and apply. And if you are able, please consider becoming a hero and acting as a guarantor for a friend, family member or neighbor in need.

Now Serving Santa Barbara!

See the loans offered

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>$80M
Loaned
>28,300
Loans Made
~1,000
New Loans a Year