You will need the following information (for you and for your spouse, if you are married) in order to complete the application:

• 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)

You will need to upload the following documents to your application:

• Photo IDs for you and your spouse in PDF, JPEG, or PNG format; a photo taken on your phone is fine, as long as it's readable.

• A bank document that includes ALL of the following information: 

• Your name

• Your bank name

• Your bank’s routing number

• Your checking account number

You will need the full name and email address of one proposed guarantor (for loans of $7,500 or less) or two proposed guarantors (for loans above $7,500) who meet the following criteria:

• Lives in New York, New Jersey, or Connecticut

• Has annual, pre-tax household income of at least $30,000

• Has good credit (as HFLS will obtain and review their credit report)

• Is willing and able to repay your loan if you are unable to do so

After submitting your application:

• You will receive an email confirming your application submission.

• You will receive an email about verifying your signed response. You MUST click on the link in the email for HFLS to process your application.

• Your proposed guarantor will receive an email from HFLS with a link to complete a guarantor form (please inform them so they know it’s not spam!)

• Within three business days, an HFLS Loan Officer will contact you to schedule a 10-20 minute loan interview, which will take place by phone.