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HFLS Screening Page

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. 

Please note: Once you begin completing the loan 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):
  • Social Security Number
  • Annual gross 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
  • Year you started your current job

Once you submit this application, please contact HFLS at 212-687-0188 or Loan@HFLS.org to schedule an in-person loan interview. Interviews take approximately 10-15 minutes, and take place at the HFLS Manhattan office (675 Third Ave, Suite 1905), or on one night per month, at the Shorefront Y or Jewish Community House of Bensonhurst. Loan interviews must be scheduled in advance.

If you have any technical problems while completing or submitting this application, please contact HFLS at 212-687-0188 or Loan@HFLS.org.
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 two qualified guarantors. (The HFLS moderate-income limits are based on the Department of Housing and Urban Development's income limits, which are adjusted for county and household size.)


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








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 Not Eligible
Thank you for inquiring about a loan from the Hebrew Free Loan Society. 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 target for our lending (see here for current income limits). 

If your annual household income exceeds this amount and you have significant need of an interest-free loan, please contact HFLS at (212) 687-0188 or info@hfls.org to discuss whether you qualify for a loan based on your specific situation.