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HFLS Loan Application

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

IMPORTANT: Reading through ALL of the information below before beginning your application will ensure your loan request is processed as quickly as possible. Once you begin completing the application you will not be able to save your work and continue completing it at a later date.

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.

Please email us at Loan@HFLS.org or leave a voicemail at (212) 687-0188 ext. 2 with questions or if you have any technical issues while completing this application.
Welcome & Instructions
Thank you for your interest in applying for an HFLS Citizenship Loan. Completing this application is the first step in the loan process.

Please note that you must be working with Catholic Migration Services in order to apply for an HFLS Citizenship Loan.

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 available:
  • 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)
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.
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 us at Loan@HFLS.org or (212) 687-0188 ext. 2 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 or two qualified guarantors. 

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.








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.