Get up to $15,000 in interest-free personal loans for life events, emergencies & unexpected expenses with JFLA. Serving LA, Ventura & Santa Barbara County residents.

Personal Loans

The Help You Need with an Interest Free Personal Emergency Loan from JFLA

Unforeseen events are a part of our daily world, and in many cases, the cost to manage these unexpected events is more than we can afford on our own. When emergencies happen, there is somewhere you can turn to get financial help. JFLA’s emergency loans are here for you when an unexpected expense or urgent situation has you in a bind. We offer you a better way to borrow & save money with interest-free loans that have no fees. JFLA emergency loans are up to $15,000 with two qualified guarantors. The loans can cover most personal/emergency expenses, however we are not able to assist with any legal fees, travel expenses and loans which involve or are related to gambling or betting. Proof of need will be required in order to apply

Why Choose JFLA for Your Online Emergency Loan?

As a non-profit organization JFLA helps people of all religions and all races by offering interest-free personal loans to help with things like unexpected expenses. JFLA personal financing to help you pay for what you need, when you need it, and can be used for a wide variety of urgent needs:

How Can JFLA Offer Interest Free Emergency Loans?

Because JFLA non-profit that focuses on providing financial aid to those in need & does not operate like a bank, our loans have no fees of any kind and offer affordable monthly payments that can help you get back on your feet.

How Can I Get a Personal Emergency Loan with JFLA?**

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I was behind in my rent. I would have had to put the amount onto a credit card with high interest. JFLA really helped me out! I only gave it four stars above because the 5th star would not let me select it. Thank you so very much for helping me in a rather desperate time of need. I didn’t think that there was help for someone with bad credit, but thanks to JFLA, I was able to pay the rent for my senior mother and myself, we live together. A million thanks! Really.

Chris

Between inconsistent work during the pandemic and the need to offer care and assistance to my elderly parents, I fell into significant credit card debt. JFLA helped me pay off those loans so that I'm not losing an enormous amount of money on interest payments. Jewish Free Loan Association saved me from potentially serious, further financial difficulties, and that I am truly humbled and grateful for receiving their generosity.

Matthew

I needed a loan to help pay rent and utilities until I could get an income increase from a second job I was starting. It helped me from getting eviction notices. I’m so grateful for your generosity at a time when I was in a financial hardship, waiting on child support and income increases. As a single mom, nothing is more important than making sure my kids have a safe home. I can’t thank JFLA enough for helping to ensure that safety for them.

Terry

I needed a loan through my divorce process and job loss. It helped me survive during a horrible financial crisis when I had nowhere else to turn. I now have a well-paying job, my divorce is final, and the kids (19,20,21,22 & 29) and I are all doing much better- I’m trying to put back the pieces and rebuild myself. I’m eternally grateful for JFLA. I just want to say how very grateful I am to have received help at the worst possible time in my life. Separation, divorce with 4 teens still at home (initially) the situation was difficult and now I’m making my way to the other side. So many thanks.

Bonnie

My paperwork wasn't processed correctly with the Los Angeles County Tax Assessors office. The parent to child tax transfer form was not processed which threw off everything. Once restored things are getting better. My children and I greatly appreciate JFLA for giving us the opportunity to get out of a financial struggle. JFLA saved us from losing our home. There was no way I could pay $14,000 in taxes but the $4000 allowed me to pay the mortgage for 4 months until the problem was resolved.

Char

Want more information on our loan process? Check out the resources below to learn more:

Relief from Emergency Expenses is Just a Call Away

Since 1904, JFLA has aimed to help those in need achieve financial stability by providing them with access to interest free, no fee loans. Our loans are for individuals and families, whose needs are urgent and who may not qualify for help through normal financial channels. If you’re struggling to get back on your feet, see if you qualify a loan today.

Unexpected expenses can't wait. JFLA offers emergency loans up to $15,000 with zero interest and zero interest for LA, Ventura, and Santa Barbara residents.

Emergency Loan Limits

Emergency Loan

Get the Care You Need with a JFLA Interest Free Medical Loan

It’s estimated that almost half of the US population has outstanding health-care debt from a medical loan. It can affect anyone, any time, and those without health insurance or those who don’t have access to the best health insurance are the ones who can suffer the most. If you are uninsured or underinsured, if you have to meet a deductible, or if you are faced with unanticipated expenses, JFLA can help you pay your bills and get the treatment you need. Our medical loans are a better way to borrow. You save money because all JFLA loans have 0% interest and no fees - ever.

Why Choose JFLA for Your Online Medical Loan?

JFLA is a non-profit organization that helps people of all races and religions by offering interest-free medical loans to help with things like unexpected medical expenses that aren’t covered by health insurance. JFLA loans can help you pay for what you need now and can be used for expenses such as:

How Can JFLA Offer Interest Free Medical Loans?

JFLA is not a bank. Our loans have no fees of any kind and manageable monthly payments because we’re a non-profit that focuses on helping those in need.

. Borrowers must also be employed, at least 18 years old, cannot have a current loan with JFLA, have a state-issued California ID/ driver’s license, and must be residents of Los Angeles, Ventura, or Santa Barbara counties.

Borrowers must have proof of need for a loan, i.e., a bill, or an estimate.

“Oh my goodness, I don’t even know how to describe this, we were in so much debt. The medical costs of my cancer treatment were astronomical. Our insurance would not cover the medication for chemotherapy so we had to pay cash. Jewish Free Loan provided money to us so we were at least able to get a handle on the most immediate bills and alleviate the stress that was accumulating.” -Randi

"I was overwhelmed with debt payments that were too high, I had a few health problems which were keeping me from working, without the zero-fee, interest free loan from JFLA I would have had terrible, terrible credit. Thank you Jewish Free Loan Association!” -Jerry

"I went on Family Medical Leave Act and was getting less money. The loan I received from JFLA had no fees, and zero interest, I avoided credit card debt and was able to make payments on housing. Thank you for your financial activism and changing my life.” -Lori

Check out the resources below for more information on our loan process:

Relief from Medical Expenses is Just a Call Away

For over 100 years, JFLA has helped generations of residents within the counties of LA, Ventura, and Santa Barbara get a fresh start when they needed it most. If you are struggling to secure funds through traditional financial channels, reach out to us today.

Get a Medical Loan for preventative and urgent healthcare care, up to $15,000 for medical, mental health and dental care. Apply online for a medical loan today.

Medical Loan Limits

Medical Loans

Get the Care You Need with a JFLA Interest Free Dental Loan

A simple lost filling or root canal can cost hundreds of dollars, but braces and dental implants can cost thousands. For those of us who don’t have dental insurance, or if the costs exceed what your health provider covers, the costs can be overwhelming. If you or your family are in need of dental care, JFLA can help. Our loans offer a better way to borrow with 0% interest and no fees - ever.

All borrowers must have at least one qualified 

JFLA is a non-profit organization that helps people of all religions & races by offering interest-free Dental loans to help those in financial need. Our dental loans are often used to cover unexpected expenses that aren’t covered by health insurance. JFLA dental financing can help you cover the costs of professional services such as:

How Can JFLA Offer Interest Free Dental Loans?

JFLA is not a bank. We’re a non-profit organization that aims to help struggling individuals and families get back on their feet. Our loans offer manageable monthly payments and have no associated fees of any kind.

To be eligible for a JFLA loan, a borrower must meet the following requirements:

JFLA helped me a lot to pay for my son’s dental work. I’m so appreciative, thank you!

Jenna

Thank you Jewish Free Loan Association for helping me pay off my medical bills and credit card bills. I am in a better situation now. Thanks for your help!

Dawn

Relief from Dental Expenses is Just a Call Away

For more than 100 years, JFLA has helped generations get a fresh start when they needed it most. If you or your family are struggling to secure funds to pay for dental procedures through traditional lending methods, reach out to us today.

Our Dental Loans are often used to cover unexpected expenses that aren’t covered by health insurance. Apply for a dental loan today & get the care you need.

Dental Loan Limits

Dental Loans

Get Where You Need To Go with a JFLA Interest Free Transportation Loan

Access to reliable transportation is essential for nearly everyone in Southern California, as the ability to own & maintain a car can have a huge impact on your financial livelihood. We at the Jewish Free Loan Association (JFLA) understand that purchasing a used car on a budget can be a very real challenge, and for those that currently own a car, there are almost always unexpected expenses in maintaining it. If you need help covering the cost of car repairs or need a little extra for a down payment on a used vehicle, we can help you get back on the road. With 0% interest and no fees, our loans are a better way to borrow.

Why Choose JFLA for Your Online Transportation Loan?

JFLA is a non-profit organization that helps people of all races & religions by offering interest-free loans to help with essential or unexpected expenses. JFLA can help you pay for what you need now and can be used for expenses such as:

How Can JFLA Offer Interest Free Transportation Loans?

Interest-free loans, instead of charity, fill an important gap in the infrastructure of our social system by promoting self-sufficiency and financial independence with dignity.

JFLA is not a bank - We're a non-profit that has striven to help those in need for nearly 120 years. Not only do our loans have 0% interest, but they also have no fees of any kind, and manageable repayment options to keep the impact on your monthly bills low.

. Borrow up to $7,500 with one qualified guarantor or up to $15,000 with two.

To be eligible for a JFLA loan, a borrower: must be 18 years of age; must have a state-issued California ID/driver's license; must not already have an active loan with JFLA; has to be employed; and has to be a resident currently living in Santa Barbara, Ventura, or Los Angeles County. A proof of need for a loan, such as a bill, or an estimate.

How Can I Get a Transportation Loan with JFLA?

My car broke down while I was in the process of getting a new job. I didn't have the money to pay the mechanic to repair my car. The JFLA interest-free transportation loan allowed fix may car. It allowed me to stop walking around and looking at the checkbook for a magical solution. It was a realistic way to address my financial needs. 

Sherri

I need the JFLA loan to catch up on rent and a couple of car payments I was behind on.

Ivan

My automobile needed servicing at that time, and JFLA car loan helped me to continue.

Karla

I needed an auto loan to fix my car. I am disabled and need my car to get around. JFLA to the rescue. Thank You, You really helped out of a tight spot.

I need a JFLA loan to help purchase a used car - since the loan, I've been able to purchase it, rather than getting it financed from a dealership, which would have ended up costing me more than double the amount. Thanks a lot for helping me out! Truly means a lot and I hope to make a positive impact in the world to give back.

Shandra

I needed to get a car to drive back and forth to work. Trying to figure it out still financially while reentering into society. Thank you so much.

I needed a vehicle to get to work in a daily basis to make a living and help pay bills without my wife having to shoulder the burden alone. Thank you very much for your help with the car loan. I truly appreciate the helping hand you have provided me and will do my part to pay it forward in the future. JFLA has truly blessed me.

Tony

I needed a loan because my car broke down. My father back in the Philippe's is in and out in the hospital since my mom died. Thank you so much for giving me a chance for the JFLA loan. Thank you so much JFLA for your good heart.

Elecia

Want to learn more about the JFLA loan process? Browse through our resources below for more information:

Relief from Transportation Expenses is Just a Call Away

For over a century, JFLA has helped families and individuals whose needs are urgent and who may not qualify through normal financial channels. If you are in need of financial support, reach out to us today.

Get a Transportation Loan if you need help covering the cost of car repairs or need extra cash for a down payment on a used vehicle. We can help you get back on the road.

Transportation Loan Limits

Transportation Loans

Applicants must be full-time, employed teachers, having taught for at least one year.

JFLA supports K - 12 grade teachers in our community and is thrilled to offer zero-interest, zero-fee loans from the Horvitz Teachers' Loan Fund for a wide range of uses, including costs associated with credit card reconciliation, continuing education and credentialing, professional development like conferences, classrooms supplies and learning materials, and even with most personal and emergency expenses like car repairs, rent, or moving expenses.

This loan program, available exclusively to teachers, is the only one that doesn't require guarantors thanks to the generosity of donors.

Final loan amounts are at the discretion of the JFLA loan committee.

JFLA supports K-12 teachers with zero interest loans for classroom supplies, professional development, and personal expenses. No guarantor required for some loans.

This loan program was in such high demand that we have run out of funds.

Hard credit check will only be conducted on applicants requesting $10,000 or more

Proof of steady income, need and residency required

Please check back to see when the program reopens.

Teachers

Teachers Loan Limits

Providing Financial Relief During Emergencies

The nature of nursing often involves long hours and high-stress situations, leaving little time to address personal financial challenges that may arise unexpectedly. JFLA understands the unique pressures you face and offers zero-interest, zero-fee loans for healthcare workers to provide a safety net during difficult times. Whether you're dealing with unforeseen medical bills, urgent home repairs, transportation costs (repairs, buying a used car), childcare expenses or other personal emergencies, we're here to support you.

By offering quick and compassionate financial assistance for healthcare workers, JFLA helps you navigate emergencies without adding financial strain, allowing you to continue focusing on your vital role in the healthcare community.

JFLA is a non-profit organization that assists people of all races and religions by offering zero-interest, zero-fee loans to those in need.

Loan Details for Nursing and Medical Professionals

How Can JFLA Offer Zero-Interest, Zero-Fee Loans?

Zero-interest, zero-fee loans fill an important gap in our social system by promoting self-sufficiency and financial independence with dignity. JFLA isn't a bank—we're a non-profit that's been helping those in need for nearly 120 years. Our loans have no fees and offer manageable repayment options to keep your monthly budget on track.

A financial safety net for healthcare heroes. Nurses and medical professionals can access up to $15,000 in zero interest loans through JFLA. Apply today.

Nursing/Medical School Loans

Personal and Emergency Loans for Nurses/Medical Professionals Limits

Nursing/Medical Professional Loans

JFLA stands by immigrants ready to take the next step toward U.S. citizenship. Our zero-interest, zero-fee Citizenship Loans provide financial support for naturalization application fees, limited attorney fees, and related costs for you and your family.

 and have a Social Security Number or ITIN.

We are here to help make your journey a little easier.

Take the next step toward U.S. citizenship. JFLA offers zero interest loans up to $15,000 for naturalization fees, attorney costs, and related expenses. Apply today.

Citizenship Loans

Citizenship Loan Limits

JFLA salutes our US Veterans and offers interest-free loans for physical and mental well-being including things like treatment of Post-Traumatic Stress Disorder, avoiding homelessness, job training and so much more.

 to secure your loan. A guarantor is someone who can guarantee to pay back the loan if you do not. A guarantor is at least 25 years old and has strong credit. A friend, family member, or employer are examples of a guarantor.

Loans for US Veterans for physical and mental well-being, up to $15,000.

Veteran Loan Limits

US Veterans

Applicants may not exceed a total household gross income of $200,000 annually.

Thanks to a generous gift from Alan and Emily Feit, Jewish Free Loan offers zero interest, zero-fee loans to individuals
and couples in Los Angeles, Ventura, and Santa Barbara counties who are struggling
with bills and expenses related to IVF, surrogacy and other infertility complications.

With a zero interest, zero-fee
loan JFLA hopes to relieve the financial burden that mounting
expenses related to in vitro fertilization or surrogacy can place upon families
struggling to conceive.

Applicants can receive a zero interest, zero-fee loan of up to $7,500
with one guarantor and up to $20,000 with two guarantors.

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IVF Loans FAQs

Loans for individuals or couples to offset the cost of infertility treatments, up to $20,000.


In Vitro Fertilization and Surrogacy Loan Limits

In Vitro Fertilization and Surrogacy 

JFLA offers zero-interest, zero-fee loans of up to $15,000 to help relieve the financial stress of caring for a child with physical or developmental disabilities. When you're focused on your child's care, the last thing you should have to worry about is how to afford the support they need.

The Children with Disabilities Loan Fund can be used for a wide range of needs, including behavioral supports, diagnostic evaluations, durable medical equipment, home modifications, inclusion specialists or shadows, and funding during educational reimbursement waiting periods.

Loans can also assist with purchasing specialized vehicles or covering other essential costs that help ensure your child’s well-being and access to necessary services.

JFLA is here to help ease the financial burden so you can focus on what matters most—your child’s care and development.

If your child attends Bridges or Maor reach out to Nikki Seger, Program Manager and Senior Loan Analyst at 

Loans for the expenses related to caring for a child with disabilities, up to $15,000.

Children with Disabilities Loan Limits

Children with Disabilities

Survivors of domestic violence can turn to the Jewish Free Loan for assistance up to $15,000 for transportation, relocation, or other actions to ensure their escape from a dangerous environment.

For more information about our loan programs, email us at 

 so we can help you get the assistance you need.

Loans for women and children in crisis, up to $15,000.

Domestic Violence Survivor Loan Limits

Domestic Violence Survivor Loan

Thanks to a generous gift from Sue Meltzer, and Hank and Ruth Sobel, the Kopelove Health Care Needs Loan Fund offers zero-interest, zero-fee loans to individuals and families in Los Angeles, Ventura, and Santa Barbara Counties to help with healthcare expenses such as surgery, medical equipment, respite care, and in-home healthcare. These loans are available for up to $15,000.

Loans can be used for the care of all family members and may include things like

Loans for in-home healthcare needs and caregiver support, up to $15,000.

Home Care Loan Limits

 Kopelove Health Care Needs

If you or someone you know is struggling to pay for expenses related to preschool, JFLA’s 0% interest, no-fee loans can help.

Single-parent families and families with two working parents who have a child between ages 3-5 years old are eligible to borrow up to $15,000 with two guarantors.

Borrowers must be employed and cannot have a current loan with JFLA. Residents of Los Angeles, Ventura, and Santa Barbara Counties are eligible.

JFLA’s application process is simple and straightforward. Payments are broken up into manageable monthly plans.

Preschool Loan Limits

Preschool Loans

Summer camps offer amazing experiences that positively affect children’s lives. Loans for Jewish day camp or Jewish sleep-away camp are available for up to $5,000 and do not require any guarantors. Please note that these loans must be repaid within one year.

In the past, we have offered Jewish Summer Camp loans for Camp Ramah, Hess Kramer and Camp Alonim.

Loans for Jewish day or sleep-away camp, up to $5,000.

Jewish Summer Camp Loan Limits

Jewish Summer Camp

To offset the high cost of tuition and tuition-related expenses for private Jewish high school education, we offer loans up to $10,000 at four participating, local, private Jewish high schools:

An additional $5,000 can be requested for extracurricular activities.

Up to $10,000 can be requested, per year, for two children per family. A total of $25,000 per family per year is available to those with strong guarantors.

For more information about our loan programs, contact 

Loans for Jewish high school tuition and expenses.

Jewish Day School Education Loan Limits

Jewish Day School Education

Loans are paid back within 36 months and payments begin 30-45 days after receiving funding.

Many of today’s educators agree that a gap year after high school and before college enhances academic success. Through a gap year spent in Israel, Jewish students often mature and strengthen their bond to their community. Jewish Free Loan supports the gap year experience by offering loans up to $10,000 (with two qualified guarantors) to make an impression for life on our young adults.

 to secure your loan. A guarantor is someone who can guarantee to pay back the loan if you do not.

Applications should be completed by the student - not by a parent.
If you are not yet 18 years old, please contact JFLA directly at 

Many of today’s educators agree that a gap year after high school and before college enhances academic success.

Israel GAP Experience Loans

Israel Gap Experience Loan Limits

JFLA recognizes the importance of life cycle events has loan funds to support milestones like 

 and baby naming, baptism and christenings, bar and bat mitzvah, quinceanara, weddings, and funerals to name a few.

Please note that our loans are available to people of all faiths for events of all kinds.

Loans for Jewish and non-Jewish lifecycle events, up to $15,000.

Jewish Life Cycle Event Loan Limits

Life Cycle Events

Jewish Free Loan Association (JFLA) understands the devastating impact of natural disasters in our community. That's why we're offering a limited number of zero-interest, zero-fee disaster relief loans to 

. These loans are for people of all faiths and backgrounds who are permanent residents of Los Angeles, Ventura, or Santa Barbara Counties.

If you have been affected by a natural disaster and need financial assistance, please know we are here for you. Our application process is simple, and our team is ready to help. You do not need to be Jewish to apply.

JFLA Disaster Relief loans can provide much-needed financial assistance and can cover costs such as:

Loans of up to $15,000 are available for people who meet our 

Loans of up to $7,500 are available for people with one guarantor.

Loans for Non-Profits and Small Businesses

JFLA is committed to helping non-profits and small businesses recover from natural disasters. Please note that we will need to run a hard credit check to process your application.

Non-profit and small business loans are up to $50,000, with three guarantors, and can be used for:

Three guarantors are required for all loans of $36,000-$50,000 who meet our standard eligibility requirements.

Two guarantors are required for loans of $7,500-$25,000 who meet our standard eligibility requirements.

Loans of up to $7,500 are available for people with one guarantor. All other eligibility requirements must be met.

To see results from JFLA's Wild Fire Relief Loan impact survey conducted in 2025 click 

Your support is crucial in ensuring that JFLA can continue providing emergency loans to those affected by natural disasters. By donating directly to JFLA, you can make a significant difference in the lives of individuals, families, and businesses in need. As our work is ongoing, recurring monthly donations are especially appreciated.

Do I need to show proof of need specifically related to the natural disaster?

Yes. We reserve the right to request proof of negative impact from the disaster. This could include insurance claims, address of impacted properties, name of schools attended, etc.

Do I need to be Jewish to be eligible for a loan from JFLA.

No! JFLA provides loans to people of all faiths and backgrounds. You do not need to be Jewish to apply.

What if my documentation was destroyed in the natural disaster?

While we sympathize with your loss, we do have minimum documentation that is required. We will try to work with you and provide resources to attain suitable required documents.

Disaster relief loans from JFLA. Get interest-free emergency funding for fire, flood & natural disaster victims in LA, Ventura & Santa Barbara counties.

We're here for you!

Personal Loans

Emergency Loan loan

Medical Loans loan

Dental Loans loan

Transportation Loans loan

Teachers loan

Nursing/Medical Professional Loans loan

Citizenship Loans loan

US Veterans loan

In Vitro Fertilization and Surrogacy loan

Children with Disabilities loan

Domestic Violence Survivor Loan loan

Kopelove Health Care Needs loan

Preschool Loans loan

Jewish Summer Camp loan

Jewish Day School Education loan

Israel GAP Experience Loans loan

Life Cycle Events loan

Disaster Relief loan

The Four-Legged Fund loan

Student Loan Debt Relief Loan Program loan

Housing Expenses loan

Adoption loan

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