The Loan Process

Please completely fill out the online HFLA Loan Application to the best of your ability by choosing “Apply Online” below.


Once you submit the application, you will be contacted within a few business days by a representative of HFLA in order to review your application with you and to complete our pre-loan interview.


Due to COVID-19 we are encouraging the applicants to apply exclusively on-line. However, if you wish to have an in-person interview, please choose “Book an Appointment,” and we will schedule you for an interview appointment at the HFLA office. The interview will be conducted during HFLA open hours on Thursday nights between 7:00pm and 8:30pm.


Please scroll down to read all about our loan process and requirements.

Apply Online

“We didn’t realize how expensive tuition would be for our daughter recently diagnosed with dyslexia”.

Even with an assessed reduction in tuition, the local private school that could best service Devorah were beyond their capabilities. With the help of HFLA, Devorah’s parents were able to secure an education loan so their daughter could attend this school that would best meet her needs.

Loan Information

The process to apply for an interest free loan includes:

Submitting an application

Meeting with (one or two) members of the HFLA board of directors

Providing driver’s license information

Presenting cosigners (if applicable)

Signing a promissory note

HFLA personal loan applicant must meet the following eligibility requirements:

Be Jewish

Be at least 18 years old

Reside in the Greater Baltimore area

Have a legitimate need for the loan

Demonstrate t​he ability to ​pay the loan back within the time-frame established by the HFLA

Cosigner Requirements

HFLA personal loans often require cosigners. An HFLA ​cosigner (which is technically a co-maker of the note)​ needs to be a property owner in the greater Baltimore area.

Some exceptions may apply.

Loan Requirements

Monthly payments on HFLA personal loans start approximately 30 days after the loan is issued. Payment terms are discussed and finalized during the loan interview with HFLA board members. Loan payments may be made by check, by cash or money order delivered directly to the Hebrew Free Loan office, or online via PayPal.


The HFLA does not disclose your personal information to anyone, except as permitted by law and/or as authorized by you. We continue to adhere to this privacy policy after your loan account has been closed. However, the HFLA may discuss your loan payments with your cosigners at any time. All members of HFLA board of directors are also bound by this confidentiality policy.