| Resume a previously saved form
Resume Later

In order to be able to resume this form later, please enter your email and choose a password.

Password must contain the following:
  • 12 Characters
  • 1 Uppercase letter
  • 1 Lowercase letter
  • 1 Number
  • 1 Special character
EConsent 

Consent Page

Consent to Proceed Electronically


Jewish Free Loan Association (“JFLA”) uses an electronic system to collect information and to obtain electronically signed documents from applicants, borrowers, and guarantors.

Via your internet browser, you will be able to complete, review, and even print documents you will electronically sign using only your web browser via the link sent to you in your e-mail. To use the electronic process, you only need a computer with internet access and a standards-compliant web-browser that supports the HTTPS (Hypertext Transfer Protocol-Secure), HTML (Hypertext Markup Language), and cookies. To ensure that a signature is unique and to safeguard against unauthorized use of your name, your IP address will be recorded and stored along with your electronic signature. If you have trouble with this process, please contact Jewish Free Loan Organization, (323) 761-8830 for assistance.

Before the JFLA can accept your electronic signature for various loan related documents and agreements, including but not limited to the Dispute Resolution Agreement; you should be aware of the following information and must affirmatively agree to the following:

1. If you proceed, you are agreeing to complete this process electronically.

2. Your responses to all questions throughout the electronic process will be recorded and made part of your electronically signed documents and borrower record.

3. You have the option to complete this process using the traditional paper and signature process. If you wish to sign your documents and agreements in ink, you must send JFLA a written, dated notice, via certified mail, return receipt requested or recognized overnight carrier to 6505 Wilshire Boulevard, Suite 715, Los Angeles, CA, 90048 that states “I HEREBY REQUEST JEWISH FREE LOAN ASSOCIATION PROVIDE ALL FUTURE NOTICES, DISCLOSURES, AGREEMENTS, OR DOCUMENTS TO ME IN PAPER FORMAT.”

4. To use this process, you may access the system from a link on the JFLA website or you will use the secure link sent to you via your e-mail and the uniquely assigned password. You must keep your login information confidential as it can be used to electronically sign additional documents.

5. You acknowledge it is a violation of JFLA policy to execute a document with an electronic signature of someone other than yourself, which could result in adverse consequences.

6. You can return to the documents site at any time (using the secure link through your email) to review and print the documents you signed electronically.

7. You have the right to request a paper copy of any documents you signed electronically. You will be provided with an electronic copy of all signed documents via your e-mail.

8. You have read and agree with the verification and security procedures (“Privacy Policy”) adopted by JFLA.

By clicking on the selecting "I Agree" and clicking the "Next" button, you acknowledge and agree to all of the following:

* I have read and understood the foregoing;

* I agree to proceed with using my electronic signature to sign loan related documents and agreements and realize this process affects substantial personal rights;

* I agree that my electronic signature is the equivalent of a manual signature and that JFLA may rely on it as such in connection with any and all agreements I may enter into with JFLA and any documents I electronically sign for JFLA.

* I agree that my electronic signature in this process will consist of my typed name, email address, and date which the JFLA will accept as my electronic signature;

* I acknowledge and agree that it is my obligation to immediately advise JFLA of any change in my electronic address (i.e., email address);

* I have the necessary hardware/software to complete the process;

* I acknowledge and agree that it is my obligation to immediately advise JFLA in the event that I withdraw my consent to use electronic means to sign documents related to my loan and/or guarantee (if applicable);

* I agree that in the event I withdraw my consent, any documents I electronically signed prior to JFLA receiving notification of my withdrawal will be considered validly executed and the withdrawal of my consent does not apply retroactively;

* I acknowledge and agree that the various security and verification procedures adopted by JFLA, as its Privacy and Security Policy (https://www.jfla.org/privacy-policy/) , applies to the documents that I will affix my electronic signature and constitute reasonable and secure security procedures and that all such signatures are attributable to me;

* I acknowledge and agree that in the event that any person known to me (whether it be a family member, member of my household, or otherwise) misappropriates any of the security devices connected with my JFLA login/email/electronic signature account and such misappropriation could not reasonably be detected by JFLA, JFLA shall have the right to treat all resulting electronic signatures as though they were affixed by the person whose name is typed below;

* I acknowledge and agree that the individual completing this Consent to Proceed Electronically is the individual whose name appears on the email account associated with this Consent and whose name is typed below.

If you understand, accept and agree to the policies, terms and conditions set out above, then click on the “I Agree” checkbox and type your name, email address, and date below to proceed to the next section of the loan documents and agreements process. By typing your name below, you understand that your typed name will be recorded as your electronic signature and will be relied upon by JFLA to the same extent as if you had signed this consent in ink. If you do not understand or accept or agree to the policies, terms and conditions set out above, then do not click on the checkbox or sign this consent and you will exit this process.





AUTHORIZATION TO RELEASE INFORMATION

I hereby authorize the Jewish Free Loan Association (“JFLA”) to obtain my personal history, credit records, consumer credit report, and /or related information now and periodically for as long as I maintain a relationship with JFLA. I understand that by applying for a loan with JFLA and completing this authorization, I am providing written instructions to JFLA under applicable law, including the Fair Credit Reporting Act, authorizing JFLA to obtain information from my personal credit profile or other information from one or more consumer reporting agencies. JFLA will use this information, records and reports for any purpose that would be authorized by applicable law in connection with a credit transaction involving me and involving the extension of credit to me or review or collection of my account, including but not limited to (i) for authentication purposes, (ii) to make decisions regarding my loan application; (iii) to administer, service, or collect any loan which I may qualify for or receive from JFLA; (iv) and/or for any other lawful purpose. I understand that credit inquiries have the potential to impact my credit score.


I authorize and I agree that JFLA may contact third parties without further notice to me to verify any such information during the processing or closing of a loan to me, or at various times during the term of my loan or my relationship with JFLA in connection with the servicing, monitoring, collection or enforcement of the loan.


This authorization and release is executed with full knowledge and understanding that the information will be used in connection with the consideration of my loan and loan application with JFLA and will be disseminated to those individuals or agencies involved in this determination.


To this end and in connection with my application to JFLA, I hereby authorize any employer, financial institution or other party to supply such information and documentation as requested by the JFLA. I hereby release you, as the custodian of such records, and any credit bureau, consumer reporting agency, employer, or social service agency, including its officers, employees, or related personnel, both individually and collectively, from any and all liability for damages of whatever kind, which may at time result to me, my heirs, family, or associates because of compliance with this authorization and request to release information, or any attempt to comply with it.



If you Disagree, Jewish Free Loan Association will not be able to process your application. If you have any questions please email us at info@jfla.org.





Legal Address





Please note: If you have already submitted an application, please do not submit another. Submitting multiple applications slows down the process of receiving your loan. Thank you.
Small Business Loan 
Starting a new business, growing a business or simply keeping the doors open as our economy evolves poses challenges for any business owner. If your small business needs capital, JFLA can help.

Loan Amount:


Apply for up to $7,500.00 with one qualified guarantor
Apply for up to $25,000.00 with at least 2 qualified guarantors

Business loan funds can be used to fund any business need including the following:

  • Employee Salaries

  • Equipment Purchase

  • Expansion

  • Inventory

  • Marketing

  • Renovations

  • Start-up Costs

  • Website Design


Business Loan Eligibility:


  • Applicants must be at least 18 years of age and have a current CA-issued ID or driver license and social security number or ITIN number

  • If married or in a domestic partnership, applicant must provide a current CA-issued ID or driver license for spouse or domestic partner 

  • Applicants must provide a lease or mortgage showing permanent residency in Los Angeles, Ventura or Santa Barbara County

  • Applicants must document a steady source of income 

  • Applicants must provide a recently filed personal tax return

  • Applicants must provide a recently filed business tax return. Please note, if a business tax return cannot be provided, please provide a current business plan and year to date cash flow projection.

  • Applicants must provide one of the following: 

    • CA State issued business license, 

    • CA State issued sellers permit or 

    • City of Los Angeles Tax Registration certificate

  • Applicants must demonstrate a business need

  • Applicant’s credit score must be 580-680, please note all loan requests above $10,000 require a credit score of 680+

  • Documentation provided must have a consistent mailing address

  • Applicants must show the ability to repay the loan. Loans are paid back within 36 months and payments begin 30-45 days after receiving funding. There is no flexibility on this policy

  • All loans require guarantors. Applicants cannot be a current Borrower or Guarantor on a JFLA loan. 

  • Please note, married couples are considered as one applicant or one guarantor


Guarantor Requirements:


All business loans require a guarantor. A guarantor is someone who agrees to pay back the loan if you do not. As a borrower, you cannot be a guarantor on your loan. Guarantors provide JFLA the assurance that the loan will be repaid.


Guarantor(s) Qualifications:

  • A guarantor must be over 25 years of age, provide a valid state-issued current ID or driver license, show proof of strong and steady income, have good credit (JFLA will make a credit inquiry) and provide proof of current income 

  • Two guarantors are required on any request over $7,500

  • Guarantors cannot be a current borrower or guarantor or the partner/spouse of a current borrower or guarantor on an active JFLA loan

  • Please note, JFLA considers married couples as one guarantor. Additionally, the spouse/domestic partner of a borrower cannot be a guarantor. 


There is no flexibility or exceptions to these requirements.

Student Loan
Students may apply to fund any post-secondary education including Community College, Vocational or Trade School, Nursing, Medical, Dental, or any Undergraduate or Graduate program.

If you currently have a student loan and would like to re-apply for another loan, please email info@jfla.org Please do not use the online application.

Please note: Applications should be completed by the student - not by a parent.

Loan Amount:


Borrow up to $10,000.00 with 2 qualified guarantors.

Student loan funds can be used to fund any of the following:

  • Books 

  • Technology

  • Tuition

  • Living Expenses

  • Housing

  • Certification and/or Job Training

  • Living Expenses

  • Transportation


Student Loan Eligibility:


  • Applicants must be at least 18 years of age and have a current CA-issued ID, with a permanent residency in Los Angeles, Ventura or Santa Barbara County, and social security number.
    If you are not yet 18, please contact JFLA directly at info@jfla.org

  • Applicant must provide proof of current enrollment or acceptance

  • Documentation provided must have a consistent mailing address


Guarantor Requirements:


All student loans require guarantors, and a parent or guardian must be a guarantor. A guarantor is someone who agrees to pay back the loan if you do not. As a borrower, you cannot be a guarantor on your loan. Guarantors provide JFLA the assurance that the loan will be repaid.


Guarantor(s) Qualifications:

  • A guarantor must be over 25 years of age, provide a valid state-issued current ID or driver license, show proof of strong and steady income, have good credit (JFLA will make a credit inquiry) and provide proof of current income 

  • A parent or guardian must sign on to the loan as a guarantor

  • A current student who is not working or earning significant income cannot serve as a guarantor

  • Guarantors cannot be a current borrower or guarantor or the partner/spouse of a current borrower or guarantor on an active JFLA loan

  • Please note, JFLA considers married couples as one guarantor. Additionally, the spouse/domestic partner of a borrower cannot be a guarantor. 


There is no flexibility or exceptions to these requirements.


Personal/Emergency Loan
JFLA's personal loan program is here for you when an unexpected expense or urgent situation has you in a bind. Personal loans can be used for everything from car repairs to leaky roofs to childcare.

Loan Amount:


Apply for up to $7,500.00 with one qualified guarantor
Up to $12,000.00 with 2 qualified guarantors

Emergency loan funds can be used to fund any emergency need including the following:

  • Rent

  • Security deposit and moving expenses

  • Home repairs

  • Utility Bills

  • Dental, Medical and Mental Health needs

  • Transportation

  • Debt consolidation

  • Childcare

  • Weddings and other lifecycle events

  • Support for Children with Disabilities and the Elderly

  • Families fleeing domestic violence

  • Egg freezing and Fertility 

  • Adoption and surrogacy


Emergency Loan Eligibility:


  • Applicants must be at least 18 years of age and have a current CA-issued ID or driver license and social security number or ITIN number

  • If married or in a domestic partnership, applicant must provide a current CA-issued ID or driver license for spouse or domestic partner 

  • Applicants must provide a lease or mortgage showing permanent residency in Los Angeles, Ventura or Santa Barbara County

  • Applicants must document a steady source of income 

  • Applicants must document proof of need

  • Documentation provided must have a consistent mailing address

  • Applicants must show ability to repay the loan. Loans are paid back within 36 months and payments begin 30-45 days after receiving funding. (A few of our loan funds have shorter or longer repayment rates, please check the loan description for more information.)

  • All loans require guarantors. Applicants cannot be a current Borrower or Guarantor on a JFLA loan. 

  • Please note, married couples are considered as one applicant or one guarantor.


Guarantor Requirements:


All emergency loans require a guarantor. A guarantor is someone who agrees to pay back the loan if you do not. As a borrower, you cannot be a guarantor on your loan. Guarantors provide JFLA the assurance that the loan will be repaid.


Guarantor(s) Qualifications:

  • A guarantor must be over 25 years of age, provide a valid state-issued current ID or driver license, show proof of strong and steady income, have good credit (JFLA will make a credit inquiry) and provide proof of current income 

  • Guarantors cannot be a current borrower or guarantor or the partner/spouse of a current borrower or guarantor on an active JFLA loan

  • Please note, JFLA considers married couples as one guarantor. Additionally, the spouse/domestic partner of a borrower cannot be a guarantor. 


There is no flexibility or exceptions to these requirements.

Personal Information






Applicant Address
You must be a permanent resident of LA, Ventura or Santa Barbara County.






Spouse / Domestic Partner  Information: 




Note: To qualify for a JFLA loan you must
have a current bank account.


Income Verification


Enter numbers only, no dollar signs or commas.
Employer Information







Loan Information

Enter numbers only, no dollar signs or commas.
Student Loans: 
  • Apply for up to $10,000.00 with 2 qualified guarantors.
Small Business Loans:
  • Apply for up to $7,500.00 with one qualified guarantor.
  • Apply for up to $25,000.00 with at least 2 qualified guarantors.
Personal / Emergency Loans:
  • Apply for up to $7,500.00 with one qualified guarantor.
  • Apply for up to $12,000.00 with 2 qualified guarantors.


Guarantor 1
A guarantor is someone who agrees to pay back the loan if you do not. As a borrower, you cannot be a guarantor on your loan. Please note, a spouse or domestic partner will not qualify as your guarantor. Guarantors provide JFLA the assurance that the loan will be repaid. 






Guarantor 2
A guarantor is someone who agrees to pay back the loan if you do not. As a borrower, you cannot be a guarantor on your loan. Please note, a spouse or domestic partner will not qualify as your guarantor. Guarantors provide JFLA the assurance that the loan will be repaid. 






Finances

Enter numbers only, no dollar signs or commas.

Enter numbers only, no dollar signs or commas.
Demographics
The information requested below is CONFIDENTIAL and will be used for internal purpose only to better capture and understand the population we serve. As such, the information you provide may be used in summary statistics. This section will NOT impact your application or your ability to receive a loan from JFLA.

















Save my progress and resume later | Resume a previously saved form

Contact Information