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, 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.

Please note our new mailing address:

P.O. Box 780264
San Antonio, TX 78278
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 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 with any questions.

College is Expensive – Education is Priceless

You’re planning the next semester, and with all the inherent stress of college, HFLA-SA wants to alleviate some of the additional financial pressures you and your family are feeling. HFLA-SA exists to help members of the Jewish community build stronger futures. We can’t imagine a better way to achieve this goal than to invest in our youth and advanced education.

Even with financial assistance from family members, scholarships, grants and student part-time earnings, a gap often remains between available funds and the true costs of a college experience. HFLA-SA Educational Loans are designed to bridge that gap, enabling Jewish students to graduate - without facing an enormous, interest-bearing debt load.

Full-time students who are permanent residents of the San Antonio service area may apply for annual HFLA-SA Education Loans, regardless where they attend college or which post-graduate program they choose. In addition, while maintaining eligibility requirements, these borrowers qualify for reduced monthly payback terms.

As with all HFLA-SA loans, there’s never interest, collateral or hidden fees. Our only interest is your success!

Contact us for assistance.

Tremendous Loss
in HFLA-SA Family

Just one day after turning 82, on November 11, 2014, Emi Jacobs, wife of long-time HFLA-SA Board member, lost her battle to cancer.

Emi was a Holocaust survivor who refused to let that define her. Until the very end, she remained active in civic and religious organizations, even regularly participating in her exercise classes at the Jewish Community Center. More than that, Emi was a kind person, deeply devoted to her family and friends.

While each of us involved with HFLA-SA feels tremendous sadness, we recognize the loss felt by everyone who knew Emi Jacobs – and extend heartfelt sympathy to our dear friend, Marvin and their entire family.


Your Involvement: Making a Difference

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?

  • Spread the Word

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.

  • Make a Donation

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.

  • Become a Member/Volunteer

HFLA-SA wants - and needs your involvement.

Make a Donation

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.

  • 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 the loan?
  • Do you have the resources and commitment to repay a loan?

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

  • As 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.

  • Major Repairs

  • Rent/Housing/Deposits

  • Transportation Needs

  • Medical Expenses

  • Expanding Families

  • Weddings, Bar/Bat Mitzvahs

  • Personal/Professional Development

  • Eldercare

  • Funeral Expenses

  • Debt Consolidation

  • Loan Specifics: Eligible applicants, with qualified cosigners may receive up to $4,000. Applicant and cosigners must meet eligibility requirements. Affordable monthly repayment schedules . . . no interest . . . no collateral . . . no hidden fees.

  • Download Application


  • 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

  • Housing/Living Expenses

  • Career Advancement Training

  • Certification Courses

  • Graduate Degrees

  • 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!

  • Download Application

Special Needs

  • These loans are designed for those unique situations when greater flexibility is required and/or appropriate. This enhanced flexibility may represent greater financial needs, looser cosigner requirements, or revisions to the scheduled monthly repayment terms. Applicants and cosigners may experience 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.

  • Business Expansion

  • Uninsured Major Expenses

  • Adoptions

  • Uncovered Medical Treatments

  • Personal/Professional Changes

  • 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.

  • Download Application

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:


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.