Adoption can be life-changing—and financially challenging. That’s why JFLA’a zero-interest, zero-fee Adoption Loan Program is here to help manage the costs of your parenthood journey, from agency and consultant fees to medical expenses and home studies. There’s no interest, no hidden fees—just a clear path forward toward growing your family.

Because finances shouldn't stand in the way of bringing your child home.

Adoption can be life-changing—and financially challenging. That’s why JFLA’a zero-interest, zero-fee Adoption Loan Program helps manage the costs of your parenthood journey, from agency and consultant fees to medical expenses and home studies.

Adoption

Loan Amounts

JFLA offers interest-free loans for expenses related to caring for a child with physical or developmental disabilities.

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

Children with Disabilities

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.

Citizenship 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:

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

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 Loans

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

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

affected by the recent wildfires on a first-come, first-served basis. 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 the fires and need financial assistance, please know we are here for you. Our application process is simple, and our team is ready to help. Please note that we will need to run a hard credit check to process your application. You do not need to be Jewish to apply.

Due to the overwhelming demand for assistance, our staff is working diligently to assess and prioritize all loan requests. Response times may be delayed

JFLA Fire Relief loans can provide much-needed financial assistance during this challenging time and can cover costs such as:

Loans of up to $25,000 are available for people who meet our 

Loans of up to $10,000 are available for people without a guarantor, but who have a credit score of 600 or more. All other eligibility requirements must be met.

Loans of up to $5,000 are available for people without a guarantor, and have a credit score below 600. All other eligibility requirements must be met.

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

Loans for Non-Profits and Small Businesses

JFLA is committed to helping non-profits and small businesses recover from the wildfires. 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 and can be used for:

Two guarantors are required for all loans of $25,000-$50,000 who meet our standard eligibility requirements.

One guarantor is required for loans of $10,000-$25,000 who meet our standard eligibility requirements.

Your support is crucial in ensuring that JFLA can continue providing emergency loans to those affected by the wildfires. 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 fires?

Yes. We reserve the right to request proof of negative impact from the fires. 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 fires?

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.

Due to the overwhelming demand for assistance, our staff is working diligently to assess and prioritize all loan requests. Response times may be delayed.

How quickly will my loan application be processed?

The process can take between 7 and 14 business days. However, we will do everything to expedite the process.

Can I apply for a loan on behalf of someone else?

No. Please share our application with your friends and family and encourage them to apply directly.

I don’t have a guarantor. Am I still eligible for a loan?

Yes! We have loans of up to $10,000 available to qualifying individuals, small businesses, and non-profits who do not have a guarantor. There are a limited number of loans available, which will be provided on a first-come, first-served basis.

 signs onto a loan and agrees to pay back the loan if the borrower is unable to for any reason. JFLA will work with the borrower to collect payment. If the borrower is unable to pay off the loan, JFLA will turn to the guarantor for payment. A guarantor is responsible for the full amount outstanding on a JFLA loan if the borrower is unable to continue payments.

Please note: If the guarantor is married or in a domestic partnership, their spouse/partner is considered a co-guarantor (and cannot sign on as a separate guarantor). Spouses/partners must sign on to all types of loans.

There are no repayments for the first 90 days. Repayments will begin 90 days from disbursement of loan funds.

I already have a loan with JFLA, can I apply for a fire relief loan?

If you already have a loan with JFLA you are eligible to apply for a fire loan. If you are approved, your fire relief loan will be a second, stand-alone JFLA loan; your first loan will not be refinanced. You will be responsible for two separate repayments per month.

Will everyone who applies receive a fire relief loan?

Unfortunately, no. We are doing our best to quickly review and approve loan applications – and to raise much needed dollars to fund these loans. However, we are a non-profit funded by individuals and foundations. We cannot loan out more money than we have available. Note: Families with combined net income of $30,000 per month (or more) are ineligible to apply.

If you have any questions or need further information, please contact us at 

 or 844-535-2674 choose extension 1. Our dedicated staff is here to guide you through the loan process and provide the support you need during this challenging time.

Together, we can help our community recover and rebuild from the devastation caused by the wildfires.

Jewish Free Loan Association (JFLA) understands the devastating impact of wildfires on our community. That's why we're offering a limited number of zero-interest, zero-fee loans to individuals, non-profits, and small businessesaffected by the recent wildfires on a first-come, first-served basis. These loans are for people of all faiths and backgrounds who are permanent residents of Los Angeles, Ventura, or Santa Barbara Counties.

Fire Relief

Guarantor Table

Launched in 2010, the Green Loan Program offers you the opportunity to make "green' improvements for things like

Go visit Energy Upgrade California

 to promote rebates for energy efficient home upgrades and gets a referral bonus for every client who goes through the energy upgrade process. Use the code JFL038 on the Homeowner Action Form.

 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 green technology upgrades for homes or offices.

Green Energy Loans

Loans for in-home healthcare needs and care giver support, 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.

In-Home Healthcare

Stability starts with JFLA. Our zero-interest, zero-fee Housing Loan Program is designed to help you face any type of housing crisis. Whether you have an urgent need like back rent, moving costs and security deposits a three-day eviction notice, or have unexpected home repair costs – JFLA will be there for you. Zero interest. Zero fees. JFLA offers compassionate help when you need it most.

Please note, married couples are considered as one applicant or one guarantor.

Housing Expenses

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 and travel expenses. 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?**

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.

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 and travel expenses.  Proof of need will be required in order to apply. 

Guarantors

Emergency Loan

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

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


In Vitro Fertilization and Surrogacy 

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

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 Loans

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.

For more information about our loan programs, contact 

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

Life Cycle Events

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.

Nursing/Medical School Loans

Personal and Emergency Loans for Nurses/Medical Professionals

Nursing/Medical Professional Loans

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 Loans

Jewish Education Loans are not being made at this time.

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:

Loans for Jewish high school tuition and expenses.

Jewish Day School Education

JFLA offers interest-free emergency loans to Los Angeles County and Ventura County residents in dire need of rental loans and housing assistance.

If you can’t pay rent and you’re in need of non-profit rent assistance, start your application today and see if you qualify for an emergency rent loan. Even with bad credit, you may be eligible for rental help or housing assistance.

We take pride in providing assistance to the veteran community in Los Angeles. We provide not only rental assistance to veterans, but loans that can be put towards cars and transportation, utilities, vocational training, food, clothing, and dental or medical emergencies.

Other critical housing-related needs are evaluated on a case-by-case basis.

At Jewish Free Loan, we rely on guarantors instead of collateral 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 eviction prevention, Section 8, and other urgent needs, up to $15,000.

Rental Assistance

Student debt can feel overwhelming—especially with payments resuming after a five year hiatus. That’s why JFLA offers a zero-interest, zero-fee Student Loan Debt Relief Program to help you take control of your financial future. At JFLA we understand what you or anyone with student debt must be going through. That is why we are offering a unique loan program which will allow you to consolidate your student debt up to $25,000. The amount of your debt will be considered by the Loan Committee.

To be eligible you must have graduated or completed your education, have a steady income and at least one guarantor must sign on to the loan. Current JFLA borrowers or guarantors may be eligible for a second loan through this program if they have a strong repayment history, are in good standing with their current loan, and provide new guarantors. Contact 

Student debt can feel overwhelming—especially with payments resuming after a five year hiatus. That’s why JFLA offers a zero-interest, zero-fee Student Loan Debt Relief Program to help take control of your financial future. That is why we are offering a unique loan program which will allow you to consolidate your student debt up to $25,000.

Student Loan Debt Relief Loan Program

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.

Loan Amount

Jewish Summer Camp

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.

Teachers

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?

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 Loans

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.

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

We're here for you!