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A Hand-Up to Financial Health


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0% Loans — Help for every stage of life

The local Jewish community can depend on Hebrew Free Loan Association of San Antonio for a financial hand-up.

Like all Free Loan Societies, HFLA-SA's foundation is based on essential Jewish principals: Acts-of-Loving-Kindness, Tzedakah and the Mitzvah of assisting others. Following these core values, our organization provides interest-free loans to help people achieve or maintain financial stability. By extending a “hand-up,” HFLA-SA offers hope and meaningful opportunities for brighter futures.

For more than 90-years, HFLA-SA has assisted thousands of people in their endeavors to overcome financial challenges and realize dreams. We look forward to continuing and expanding our 0% loan programs.

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Personal

Offering support throughout life-cycles, when events happen – large or small – planned or unplanned – anytime budgets are burdened. These “Oys & Joys Loans” cover most situations, making this our most frequently utilized program.

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Education

More than ever, advanced learning is critical for future success and financial independence. This program is specifically designed to help post-high school students with high cost of academic expenses, allowing them to focus on building brighter tomorrows.

Learn more . . .

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Special Situation

This program is for unique circumstances which require borrowing flexibility - in terms of loan amount, cosigner rules and/or repayment terms. With additional due diligence, these loans can be individually tailored to meet an applicant's extraordinary needs.

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Join the
HFLA-SA Circle of Friends

To be Jewish is to help people help themselves.

As Maimonides explained, interest-free loans are the greatest form of tzedakah. They put people on - or allow them to return to - a path toward self-sufficiency, while preserving their dignity.

Each gift to Hebrew Free Loan of San Antonio is utilized to enable changing the lives of Jewish individuals and their families – making the impossible, possible and the possible, so much easier.

The "Circle of Friends" is an effort to encourage support for HFLA-SA at the corporate level as well as from individuals who are in the position to donate greater amounts.  The benefits of beinhg a Circle of Friends member are nmerous and can be customized to your organization or corporate enterprise.

Why Support HFLA-SA?

How about "happy endings!" In the words of a few borrowers of our no-interest loans:

“I was drowning in debt, with interest eating me alive.”

“Sending our son to college was so important to us, but without some help, we simply couldn’t afford it.”

“I wanted a mobile oxygen tank, so I could get out of the house.”

“I lost my job and didn’t know what to do until I got a new one. I had a family to feed and had already used up all my credit.”

“My special needs grandson had to get into a school that understood how to work with him, but our family couldn’t pay the tuition upfront."

“Our business almost went under. We’d been doing more work, but our customers were slow to pay. For us to get back in the black, we had to put in more money than we had, and beside our own family, we had 40-employees depending on us.”

All of these borrower stories had happy endings because of a 0% HFLA-SA loan. For all these reasons and more, won’t you please do a great mitzvah today, and help HFLA-SA help fellow Jews who need a financial hand-up?

HFLA-SA News and Events


Has Money Put Higher Education Beyond Reach?

First, the bad news:

An education at a private four-year university can cost up to $44,000 and $25,000 for instate at a public four year school in 2015-2016 dollars according to the College Board. Costs have increased more than 25 percent over the past decade, even after adjusting inflation. And while public schools are still cheaper, their tuition, during the same period, has risen at an even faster rate -- 45 percent beyond inflation.

Read more for the good news . . .