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, guaranteeing 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. Upon 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.
Anyone with further questions should call 210.736.4352 during business hours, or send us an email.
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 wanting to help.
HFLA-SA's mission is the same as ever; we're just expanding our goals. We’re determined to increase awareness, improve what we do and broaden our impact. Bottom line . . . we want to award more interest-free loans, and we’re looking for greater participation - both in terms of additional borrowers and volunteers.
Come back soon to see our exciting, new look. Then, visit often to learn more about HFLA-SA, what we're doing - and how you can get involved! In the meantime, please contact us at 210.736.4352 or firstname.lastname@example.org with any questions.
The Board and members of the Hebrew Free Loan Association of San Antonio extend heartfelt wishes for a sweet year, filled with good health, happiness and contentment!
>From Rosh Hashanah to Yom Kippur, the traditional themes of repentance and renewal seem dominant. However, our High Holidays also represent the cycle of life, with an important emphasis on new beginnings and personal mandate to strive for improvement. Throughout this period, we’re provided incredible opportunities to reflect on our past, assess current positions and plan for better and brighter futures. As we contemplate our own existence, we also think of others.
We’re reminded of the equality among all humans, regardless of social or economic status. Every person has infinite value, just as each of us is filled with unique and vital contributions still to make. Through the process of repentance (teshuvah), Jews are encouraged to make amends with anyone we have wronged, and simultaneously, we’re tasked with identifying specific ways we will change in the coming year.
>With the New Year, each of us looks for the extra strength and courage to improve our own lives in addition to the empathy and compassion to help those less fortunate. For the latter, we still benefit from the great rabbi and philosopher, Maimonides. In his “Eight Degrees of Tzedaka”, he maintained the highest level of charity, above all others, comes whenever we strengthen a fellow Jew by loaning money (without charging interest) with the intent of enabling that person to become self-sufficient.
HFLA-SA is always here for the San Antonio area Jewish community – offering interest-free loans - throughout life’s ups and downs . . . and everything in between. At this special time of year, as you’re thinking about improving lives and making dreams come true – whether for yourself, your family or others in need, we hope you’ll remember HFLA-SA and the difference we can make.
Whether you're attending college for the first time or back for another semester, you and your parents have most likely already figured out just how expensive evverything is.
Even with grants and scholarships, money from mon and dad, and a litle from summer jobs, there may not be enough to cover everything. Traditional student loans charge interest, adding a huge burden to you and/or your parents. Throughout the college experience there’s plenty to worry about; let us alleviate some of the financial stress. HFLA-SA doesn’t want students to graduate, only to start their careers facing huge debts. With our Education loan program, students can receive annual funds for up to 3-years, with reduced monthly payments while still in school and no interest – ever. With our loans, only repay the exact amount received. No interest . . . no fees . . . no extra charges.
As with all HFLA-SA loans, borrowers must be Jewish and and no matter where you attend (in-state or out) you must be a permenant permanent residents of the San Antonio service area, having lived here for at least six-months. In addition, applicants are required to provide cosigners. HFLA-SA processes completed applications quickly, and you can receive funds within a week or two.
If you or your child are getting ready for college, contact HFLA-SA today. We want to help build a stronger future.
HFLA-SA is a grassroots, local non-profit organization, depending on volunteer efforts. Your participation directly impacts the lives of friends and neighbors, helping them with today’s financial stability, as well as their pursuit of brighter futures.
What’s the best way for you to help?
HFLA-SA has money to lend, and we’re always looking for eligible borrowers. With financial hardships common and tightened lending practices, we’re committed to broadening our reach and awarding more loans. If you know someone who needs a hand-up – whether in the midst of a rough patch or major life-cycle event – please encourage the person to seek an HFLA-SA interest-free loan.
There is no greater mitzvah than the investment in people! Your gift will remain local, helping lives today, building stronger tomorrows – for individuals, families and our community.
HFLA-SA wants - and needs your involvement.
Make a tax-deductible donation, and help the Hebrew Free Loan Association of San Antonio's efforts to help others. Your contribution will have a direct impact on the lives of friends and neighbors. Funds remain local and will be used to enable the the opportunity for self sufficiency and allow dreams to come true.
Donations are critical to HFLA-SA's ability to continue offering interest-free loans to people facing urgent financial challenges. Simply click on the link below, or call us today to make your tax-deductable donation - and a true gift of hope!
Hebrew Free Loan Association of San Antonio is a 501(c)(3) nonprofit organization. Your contribution is tax-deductible to the extent allowed by law. No goods or services were provided in exchange for your generous financial donation.Donate to HFLA-SA
As a non-profit organization, founded by Jewish people to help fellow Jews in our community, all HFLA-SA loans have basic - but strictly enforced eligibility requirements.
To qualify for all HFLA-SA loans, applicants must be able to answer “yes” to each of the following questions.
If, and only if, you are able to answer "yes" to each of these questions, please move forward to the application. If in doubt or you have any questions, please contact us by email or calling 210.736.4352.
General Purpose loans are just what the name says. These Life Cycle loans cover people at times when things crop up – large or small – planned or unplanned – burdening every day budgets. Affectionately referred to as our “Oys & Joys” loans, this is our most commonly used program.
Weddings, Bar/Bat Mitzvahs
Loan Specifics: Eligible applicants, with qualified cosigners may receive up to $4,000. Both applicant and cosigners must meet eligibility requirements. Affordable monthly repayment schedules . . . no interest . . . no collateral . . . no hidden fees.
Throughout our history, othe Jewish religion has always emphasized and valued education. HFLA-SA understands the important role a college education plays in achieving career success and self-sufficiency. As a result, we offer a special, unique program for our post-high school students. With mounting academic costs and related expenses, we want to alleviate some of the financial burdens associated with a college education.
College Tuition and Fees
Books and Supplies
Career Advancement Training
Loan Specifics: With proof of enrollment in a college, university or trade school and maintenance of San Antonio service area permanent residency, eligible applicants, with qualified cosigners may receive up to $4,000 annually for three years. Both applicants and cosigners must meet eligibility requirements. While in school and shortly after, our students qualify for reduced monthly repayment rates. Let HFLA-SA invest in your future!
Special Needs loans are designed for those unique situations when greater flexibility is required/appropriate. This enhanced flexibility may represent greater financial needs, looser cosigner requirements, or revisions to the scheduled monthly repayment terms. In turn, applicants and cosigners should expect - and be prepared for - enhanced scrutiny during processing and throughout loan repayment.
Applicants will detail their request and provide specific information about their need to the Loan & Collections Committee, the group responsible for all final determinations.
Uninsured Major Expenses
Uncovered Medical Treatments
Loan Specifics: Based on the demonstrated need, application merit and creditworthiness of all participating parties, eligible applicants with qualified cosigners may receive additional flexibility and special consideration under this program. When your circumstances call for more, an HFLA-SA loan might be for you.
Whether you're interested in a loan, want to become a member, would like to make a donation or 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.
Please note our new mailing address:New
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.