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We Approve 99% of All Loan Applicants.

JFLA Is Not A Bank, So We Can Offer You 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

Apply Today!

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

What is a Guarantor?

Guarantors, instead of fees, gives JFLA the assurance of re-payment. A guarantor is a person who agrees to pay back the loan if you are unable to.

A guarantor is at least 25 years old, a resident of the US, has a steady income and has a credit score of 620+.
A guarantor cannot be a current borrower or guarantor on an active JFLA loan
A guarantor will need to provide a current state issued ID, proof of current income and credit will be run
If married, the spouse of the guarantor will need to sign all legal loan documents and provide a current state issued ID and proof of income

We thank all guarantors for assisting JFLA in the power of offering Interest free lending

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

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