Interest-Free Loans . . . Because 'Life Happens!'

A Hand-Up – to Financial Health

Yes, ‘Life Happens!’ When it does . . . through the best and worst of times . . . and everything in-between . . . members of our local Jewish community can count on Hebrew Free Loan Association of San Antonio.

Based on Biblical and Talmudic teachings, HFLA-SA is a non-profit organization, dedicated to helping people gain and/or maintain self-sufficiency. Instead of hand-outs, we support a longer lasting approach: the gift of hope. With interest-free loans, HFLA-SA borrowers have the opportunity to realize dreams and overcome financial challenges.

HFLA-SA recycles . . . money!

Every loan agreement includes a borrower’s promissory note, with cosigners adding another layer of security to guarantee full repayment. This process ensures funds remain available, enabling HFLA-SA to continue providing similar opportunities for future borrowing.

With our interest-free loans, HFLA-SA serves San Antonio’s Jewish community, making a real difference in the lives of one person/family at a time. For additional loan information, please refer to the section below outlining specific HFLA-SA opportunities. After determining you meet all eligibility requirements, download the appropriate application. Prior to completing, we ask prospective borrowers and cosigners to carefully read through the entire application packet.

If you have questions or need additional information, please call 210.736.4352 during business hours.

Make a Donation

Make a tax-deductible donation, and help the Hebrew Free Loan Association of San Antonio with our mission to help others. Your contribution directly impacts the lives of your friends and neighbors. Funds remain local, with interest-free loans enabling countless opportunities for self sufficiency and dreams coming true.

Your support is vital to HFLA-SA's continued ability to provide interest-free loans for people facing urgent financial challenges. Simply click the link below, or call us today to make your tax-deductable donation - and give the gift of true hope! Your generosity is greatly appreciated.

Hebrew Free Loan Association of San Antonio is a 501(c)(3) nonprofit organization. Your contribution to HFLA-SA is tax-deductible, to the extent allowed by law.

Donate to HFLA-SA

A Tremendous Loss – To HFLA-SA

Hyman Friedman, longtime member of the HFLA-SA Board of Directors, passed away December 20, 2014. Just two-months previously, Hy celebrated his 105th birthday by delivering a speech from memory to his fellow congregants at Congregation Rodfe Shalom, where he’d been affiliated for many years. Well known for his phenomenal memory, Hy was often credited with possessing an encyclopedic knowledge of history, readily recalling people and events from his long life. In addition to his acumen, Hy was committed to helping others, as evidenced by his 60-plus years of service as a Director for the Hebrew Free Loan Association of San Antonio.

Born in Lipno, Poland in 1909, Hy immigrated to the United States when he was 11. In 1946, he moved his family from Chicago to San Antonio and quickly opened an appliance store. He later began building homes and in 1967, Hy built a mobile home park on 25-acres in the city’s south side. Hy retired in 1986 at the age of 77; however, until the end, he remained actively involved with family and continued to work on behalf of various organizations.

Pre-deceased by wife, Adele Friedman, brother, Frank Friedman and sister, Blossom Blatt, Hy is survived by son, Gerald Friedman; nephews and nieces, Yaacov and Leah Blatt, Joyce and Herschel Sheiness, Bruce and Marcia Friedman; and numerous great-nieces and great-nephews. To his family and the countless people touched by this man, we extend heartfelt condolences. All of us at HFLA-SA will miss the wisdom, guidance and compassion of our friend, Hy Friedman.

College is Expensive – Education . . . Priceless!

As you’re planning another semester, you’re probably feeling additional stress. Help is available! HFLA-SA offers interest-free Education Loans to alleviate some of the financial pressures experienced by so many college students and their families. In existence since 1924, our organization’s mission is to help members of the Jewish community improve their current positions and build stronger futures. We can’t imagine a better way to accomplish this goal than to invest in our youth and provide much-needed assistance for advanced educations.

Even with help from family members, scholarships, grants and student part-time earnings, there’s frequently still a gap between available funds and all the true costs of a college experience. We’ve designed HFLA-SA Educational Loans to help bridge that gap, enabling Jewish students to graduate - without facing enormous, interest-bearing debt.

Full-time students, who are permanent residents of the San Antonio service area, regardless where they attend college, may apply for annual HFLA-SA Education Loans. Provided eligibility requirements are maintained, our student borrowers qualify for reduced monthly payback terms. In addition, as with all HFLA-SA loans, there's never interest, collateral or hidden fees.

Contact HFLA-SA for assistance . . . . Our only interest is your success!

Another Year – . . . Another Opportunity!

Let 2015 be better than all others. Vow to do some of the things you've always wanted to but either didn't find the money or time to tackle - whether that means calling a long-lost friend, dropping an old grudge, making new memories, remembering to say, "Thank you" and "I love you", helping others in their times of need . . . or fulfilling your special dreams.

As we send wishes for happiness, good health and prosperity, HFLA-SA also offers sincere appreciation to our borrowers, cosigners, volunteers and supporters!

Your Involvement – Making a Difference

HFLA-SA is a grassroots, local non-profit organization, dependant on volunteer efforts. With your participation, you will directly impact the lives of friends and neighbors, helping with today’s financial stability and building brighter futures.

You can help!

  • Spread the Word

HFLA-SA has money to lend, and we’re always looking for eligible borrowers. With financial hardships commonplace and lending practices becoming stricter all the time, now, more than ever, an interest-free loan makes sense. If you know someone who needs a hand-up – whether that person is in the midst of a rough patch or experiencing a major life-cycle event – please suggest an HFLA-SA interest-free loan.

  • Make a Donation

There is no greater mitzvah than the investment in people! Your gift to HFLA-SA remains local, helping lives today and building stronger tomorrows - for individuals, families and our community.

  • Become a Member/Volunteer

HFLA-SA wants, and needs, your involvement!

image of hfla-sa web site under construction

HFLA-SA’s new logo is just the start of our exciting improvements. We’re launching an all new, comprehensive website, aimed at existing and potential borrowers - as well as those of you wishing to help.

HFLA-SA's mission is the same as ever; we're just expanding. The organization's committed to increasing awareness, improving services and broadening our impact. Bottom line . . . we want to award more interest-free loans and increase participation from borrowers and volunteers alike.

Check out our website regularly to learn more about HFLA-SA, what we're doing and how you can get involved! As always, contact us at 210.736.4352 or with any questions.

As a non-profit organization, founded by Jewish people to help fellow Jews in our community, HFLA-SA is bound by its covenants. All loan programs have basic, but strictly enforced, eligibility requirements.

Qualified for an HFLA-SA loan?

Please answer the following questions:

  • Are you Jewish?
  • Have you been a resident of the San Antonio service area for at least six months?
  • Can you provide qualified cosigners who will guarantee the repayment of this loan?
  • Do you have the resources and commitment to repay a loan?

If you answered "yes" to every question, you have met HFLA-SA's basic requirements and may download the appropriate application. If you're in doubt or have additional questions, please contact us by email, or call 210.736.4352.

General Purpose

  • As the name suggests, our life cycle loans are intended to cover people when events occur – large or small – planned or unplanned – as everyday budgets are feeling pinched. Affectionately referred to as Loans for “Oys & Joys", this is our most commonly utilized program.

  • Major Repairs

  • Rent/Housing/Deposits

  • Transportation Needs

  • Medical Expenses

  • Expanding Families

  • Weddings, Bar/Bat Mitzvahs

  • Personal/Professional Development

  • Elder Care

  • Funeral Expenses

  • Loan Specifics: All parties must meet eligibility requirements, and applicants with qualified cosigners may receive up to $4,000. HFLA-SA offers affordable monthly repayment schedules.

    No interest . . . no collateral . . . no hidden fees.

  • Download Application


  • Throughout our history, Jewish people have emphasized and valued education. As has been well-documented, college plays an importnt role in future career success and self-sufficiency. We have a special program for post-high school students. With all the mounting academic costs and related expenses, HFLA-SA wants to alleviate some of the financial stress.

  • College Tuition and Fees

  • Books and Supplies

  • Housing/Living Expenses

  • Career Advancement Training

  • Certification Courses

  • Graduate Degrees

  • Loan Specifics: With proof of enrollment in a college, university or trade school and San Antonio service area permanent residency, HFLA-SA awards applicants with qualified cosigners up to $4,000 annually for three years. Applicants and cosigners must meet eligibility requirements.

    While attending school and for the six months post-graduation, students benefit from reduced monthly repayment rates.

    Let HFLA-SA invest in your future!

  • Download Application

Special Needs

  • This loan program is designed for those unique situations when greater flexibility is necessary - whether your situation requires more than $4,000, less stringent cosigner requirements and/or modified repayment terms.

    Applicants are required to meet with members of the HFLA-SA Loan & Collections Committee to discuss their requested accommodation. Due to the additional felixibility with this loan program, applicants and cosigners may face enhanced due dilligence.

  • Business Expansion

  • Uninsured Major Expenses

  • Adoptions

  • Uncovered Medical Treatments

  • Personal/Professional Changes

  • Debt Consolidation

  • Loan Specifics: Based on the need, application merit and creditworthiness of all participating parties, applicants with qualified cosigners may receive special consideration.

    When your circumstances call for something extra, an HFLA-SA Special Needs Loan might be the appropriate answer.

  • Download Application

Whether you're interested in a loan, want to become a member, wish to donate - or simply have questions, we'd love to hear from you. Call our office between 9:00am and 5:00pm Monday through Friday, or send us an email.


P.O. Box 780264
San Antonio, TX 78278

P: (210) 736.4352


H: Monday - Friday: 9:00 AM to 5:00 PM

The Hebrew Free Loan Association of San Antonio is a member of the International Association of Jewish Free Loans, a network of more than 40 Hebrew/Jewish free loan agencies throughout the world.