HFLA-SA LOAN PROGRAMS Hebrew Free Loan Association of San Antonio provides interest-free loans for several types of temporary financial need. Whether you are experiencing financial crisis, or need assistance with unexpected expenses, a personal or family economic challenge, HFLA-SA can help you weather the storm. All loans require the following unless otherwise specifically stated: • Must be Jewish or employed at a Jewish agency/synagogue • Permanent resident of our service area • Two well-qualified cosigners if over $2,000, one cosigner if $2,000 or less • Cosigners: at least one Jewish & resident of Texas (one out-of-state) • 30-month repayment period • Maximum loan amount $6,000 Personal Loan - For any emergency or unanticipated expenses Education Loan – Partially funded by the HFLA-SA B’nai Brith Irwin Barath Memorial Jewish College Students Fund. Maximum amount $5000/year up to 4 years. • Post-high school student • Reduced payments for eligible students • A 50-month repayment term • Proof of higher education enrollment Special Situation Loan - Maximum amount and repayment schedule to be negotiated. For situations which warrant flexibility with respect to cosigners, payment terms, etc. • Requires enhanced due diligence, including personal interview Veteran, Active Military, and or Dependent Loan – Partially funded by HFLA-SA Irwin Barath Memorial Jewish War Veterans Loan Fund. • Reduced monthly payments • A 50-month repayment term 60 Plus Loan - Partially funded by HFLA-SA San Antonio Jewish Senior Services (SAJSS) Loan Fund. • Age 60+ • Reduced payments for eligible borrowers • A 50-month repayment term Youth Programs & Emergent Needs Loan – Partially funded by HFLA-SA Mitch Michelson Memorial Youth & Emergent Needs Loan Fund. COVID-19 and Other Emergent Needs Loan – Partially funded by the HFLA-SA Jewish Federation of San Antonio Emergency Need Loan Funds. For situations which warrant flexibility with respect to cosigners, payment terms, etc. • Requires enhanced due diligence, including personal interview • No cosigner needed if apply for $1,000 or less • Requires 2 well-qualified cosigners if over $2,500; one cosigner if $1,000-2,5000
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