iconMedical Loans

doctor treating patient

Get a Medical Loan for preventative and urgent healthcare care, up to $12,000 for medical, mental health and dental care. Apply online for a medical loan today.



You can use a Medical Loans loan for things like:

  • Doctor Visits
  • Emergency Hospital Bills
  • Healthcare needs
  • Hospital Stays
  • IVF Treatments
  • Medical Appliances
  • Mental Health
  • Planned Medical Procedures
  • Prescription medication
  • Surgeries
  • Therapy
Number of GuarantorsMaximum Loan Amount

All borrowers must have at least one qualified guarantor.


  • Applicants must be at least 18 years of age and have a current CA issued ID and Social Security number.
  • ⁠Applicants must have a CA issued ID or driver's license showing permanent residency in Los Angeles, Ventura or Santa Barbara County
  • Applicants must demonstrate a need 
  • Documentation provided must have a consistent mailing address
  • ⁠Applicants must show ability to repay the loan. Loans are paid back within 36 months and payments begin 30-45 days after receiving funding. (A few of our loan funds have shorter or longer repayment rates, please check the loan description for more information.)
  • Guarantor requirements are listed in the table above
  • Applicants cannot be a current Borrower or Guarantor on a JFLA loan
  • Please note, married couples are considered as one applicant or one guarantor

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:

  • Doctor visits
  • Prescription medication
  • Mental Health related costs
  • Planned medical procedures
  • IVF treatments
  • Surgeries
  • Emergency hospital bills
  • Hospital stays
  • Medical appliances
  • Therapy
  • Other healthcare needs

Get a medical loan online in 5 easy steps

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.

All of our loans require qualified guarantors. 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.

Borrow up to $7,500 with one guarantor.

Loans up to $12,000 are available with two guarantors.

How Can I Get a Medical Loan with JFLA?

“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.

Email us at info@jfla.org or call 1-844-JFLA-ORG (1-844-535-2674) to get started.

JFLA Assistant