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 anytime.

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.

Losing a Board Member and Long-Time Friend

HFLA-SA has suffered a tremendous loss, with the death of one of our own. At the age of 85, Aaron “Sonny” Charles passed away May 20th.

A native and life-long resident of San Antonio, Sonny left behind his wife of 59-years, Idella “Chaike” and their children: Janet Charles Bubis and husband Jay Adams, Debra A. Charles and Ronald Charles, as well as grandchildren: David, Bryan and Jordan Bubis, Hiley and Hayden Giller and Mila Charles. Along with extended family and friends, Sonny also left behind a life of helping people and countless, precious memories.

Committed to improving lives of those around him, Sonny was a long-term HFLA-SA board member. Often soaking in what others had to say, when Sonny spoke, he spoke volumes – and always from his heart.

Sonny was an engineer, a designer, and a builder – of homes, people and ideas. He deeply loved his family and was passionate about his hobbies, including woodwork and ‘friendly’ weekly poker games.

We’ll miss Sonny’s poetry, his favorite tool for making a point. We’ll miss his caring, gentle ways and his quiet sense of humor. Most of all, we’ll miss our friend.

Are you Ready? Back-to-School

Whether you're headed to college for the first time or going back for another semester, you and your parents are most likely thinking about how to pay for 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 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.

Please note our new mailing address in the contact section below.

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.

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!

Donate to HFLA-SA

Thank you San Antonio Poker Players


This summer, the Barshop Poker for a Cause helped raise funds for HFLA-SA!

The HFLA-SA membership and board appreciate the generous donation made possible by Jim and Leigh Barshop and everyone who participated in the fun event!

And, may the flop be with you . . . always.

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

  • 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.

  • 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. Both 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

  • 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.

  • 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.

Hebrew Free Loan Association of San Antonio

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.