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Hebrew Free Loan Society Loan Application

Welcome & Instructions
Thank you for your interest in applying for an HFLS General Needs Loan. Completing this application is the first step in the loan process. 

Once you begin completing the application on the following pages you will not be able to save your work and continue completing it at a later date. Therefore, please make sure you have the following information handy (for you and for your spouse, if you are married):
  • Annual pre-tax income (if you are paid by the hour, please estimate your pay for an entire year at your hourly rate)
  • Start date at current job (month and year)
  • Social Security Number (if you have one)
HFLS also requests the following at the end of application. If do not provide it then, HFLS will still need to receive it from you in order to process your loan application.
  • Photo IDs (a scan of photo taken on your phone is fine, as long as it's readable)
  • A voided check or bank document that includes your bank name, checking account number, and routing number.
  • The full name, email address, and phone number of a proposed guarantor who meets HFLS guarantor requirements on the General Needs Loan program webpage.
After submitting your application, you will receive an email requesting that you verify your signed response. You must click on the link in the verification email in order for HFLS to process your loan application.

Please contact HFLS at Loan@HFLS.org with questions or if you have any technical problems while completing or submitting this application.
Welcome & Instructions

Thank you for your interest in applying for an HFLS Access Advance. Completing this application is the first step in the advance process. 

Once you begin completing the application you will not be able to save your work and continue completing the application at a later date. Therefore, please make sure you have the following information handy (for you and for your spouse, if you are married):
  • Annual pre-tax salary (if you are paid by the hour, please estimate your pay for an entire year at your hourly rate)
  • Start date at current job (month and year)
  • Social Security Number
  • A copy of your photo ID (a scan of photo taken on your phone is fine, as long as it's readable)
Please also be prepared to provide a voided check or bank document that includes your bank name, checking account number, and routing number so HFLS can deposit your Access Advance directly into your checking account through electronic transfer. 

After submitting your application you will receive an email requesting that you verify your signed response. You must click on the link in this email in order for HFLS to process your advance.

If your application is approved, you will receive the following documents by email within five business days.
  • Promissory Note - This is the salary advance agreement; it specifies the amount of the advance and the terms of repayment.  Your signature indicates your agreement to repay the advance on these terms.  If you are married, your spouse must also sign the promissory note.
  • Payroll Deduction Authorization - Instructs your employer to deduct funds from your wages every pay period until the full amount of the advance is repaid.
  • Authorization for Automatic Payments (ACH authorization) - Allows HFLS deposit your salary advance into your checking account by electronic transfer.  Also authorizes HFLS to withdraw bi-weekly repayments directly from your bank account only if you leave your current employer and still have an outstanding balance to repay on your advance.
Be sure to check your email spam/junk folders for the email that contains the documents above. When HFLS receives these signed documents, we will deposit your advance funds into your checking account through direct deposit. (Please note that it may take 1-3 days for the funds to appear in your checking account.)  The sooner you sign and return these forms, the sooner we can process your advance.

Please contact HFLS at Access@HFLS.org or (212) 687-0188 with questions; if you do not receive an email regarding your advance status within five business days of submitting your application; or if you have any technical problems while completing or submitting this application.
Welcome & Instructions
Thank you for your interest in applying for an HFLS Coronavirus Financial Impact Loan. Completing this application is the first step in the loan process. 

Once you begin completing the application on the following pages you will not be able to save your work and continue completing it at a later date. Therefore, please make sure you have the following information handy (for you and for your spouse, if you are married):
  • Annual pre-tax income (if you are paid by the hour, please estimate your pay for an entire year at your hourly rate)
  • Start date at current job (month and year)
  • Social Security Number (if you have one)
HFLS also requests the following at the end of application. If do not provide it then, HFLS will still need to receive it from you in order to process your loan application.
  • Photo IDs (a scan of photo taken on your phone is fine, as long as it's readable)
  • A voided check or bank document that includes your bank name, checking account number, and routing number.
  • The full name, email address, and phone number of a proposed guarantor who meets HFLS guarantor requirements on the General Needs Loan program webpage.
After submitting your application, you will receive an email requesting that you verify your signed response. You must click on the link in the verification email in order for HFLS to process your loan application.

Please contact HFLS at Loan@HFLS.org with questions or if you have any technical problems while completing or submitting this application.
Welcome & Instructions
Thank you for your interest in applying for an HFLS Citizenship Loan. Please note that you must be working with an HFLS partner organization in order to apply for a Citizenship Loan.

Completing this application is the first step in the loan process. Once you begin completing the loan application you will not be able to save your work and continue completing the application at a later time, so please make sure you have the following information available:
  • Social Security Number (if you have one)
  • Annual pre-tax income (if your income fluctuates from year to year, provide your estimated income for this year or your annual income from last year)
  • Employer name, address, and phone number (if you are currently employed)
  • Year you started your current job
Please contact HFLS at Loan@HFLS.org or (212) 687-0188 with questions or if you have any technical problems while completing or submitting this application.
Check Your Eligibility
To qualify for an HFLS loan, you must live in NYC’s five boroughs, Westchester, or Long Island; have low to moderate annual household income; and locate one qualified guarantor. 

Your household income must be at or below the amount determined by your household size. These amounts are the moderate-income limits for households in the NYC area, based on the Department of Housing and Urban Development’s guidelines.
To qualify for an HFLS Citizenship Loan, you must live in NYC’s five boroughs, Westchester, or Long Island and have low to moderate annual household income.

Your household income must be at or below the amount determined by your household size. These amounts are the moderate-income limits for households in the NYC area, based on the Department of Housing and Urban Development’s guidelines.


Please include you, your spouse/partner, and dependents only.








Check Your Eligibility
To qualify for an Access Advance, your pre-tax annual salary must be less than $60,000.

You Are Eligible
Based on your answers, you are eligible for a loan from the Hebrew Free Loan Society!  Please click the button below to proceed to the application.
You Are Eligible
Based on your answer, you are eligible for an Access Advance!  Please click the button below to proceed to the application.
You Are Not Eligible
Based on the initial information you supplied, you do not qualify for an HFLS loan, either because you live outside of our lending area (NYC, Long Island and Westchester County) or because your household income is above the guideline for our lending (see here for current income limits). 

If your annual pre-tax household income exceeds the guideline for your household size and you have significant need of an interest-free loan, please contact HFLS at Loan@HFLS.org or (212) 687-0188 to discuss whether you qualify for a loan based on your specific situation.
You Are Not Eligible
Based on your answer, you are not eligible for an Access Advance because your annual pre-tax salary exceeds the program limit of $60,000.

While you are not eligible for an Access Advance, you may qualify for an HFLS interest-free, no-fee loan with more flexible income limits. Please click here to view a list of all HFLS interest-free loan programs, and simply click on a program to learn more about it.

If you have any questions about HFLS loans, please contact us at Loan@HFLS.org or (212) 687-0188.