To be considered for an HFLA interest-free loan, applicants must meet the following criteria:
- Be a Quebec resident, age 18 or older
- Demonstrate a genuine financial need
- Intend to remain in Quebec
- Secure a qualified endorser(s) who meets HFLA requirements
Application
Create a secure account, complete the online application, and upload the required documents. Once submitted, you will receive instructions by email regarding endorser requirements and next steps.
Endorser Submission
Once you add your endorser in your dashboard, they will receive an email with instructions to create a secure account, complete their endorser submission online, and enter the one-time code you generated for them.
Assessment
Once all endorser information is received, our team reviews applications in the order they are submitted. Please note that HFLA's loan process requires time for review and approval, so funds cannot be issued immediately.
Funding & Repayment
Upon approval and receipt of signed documentation, funds are issued within approximately two weeks (via cheque). Monthly repayments are withdrawn directly from your bank account, beginning one month after the loan is issued.
Choose Your Loan Amount
Different loan amounts require different numbers of endorsers.
Up to
$6,000
1 endorser is required.*
$6,001
– $10,000
2 endorsers are required.*
$10,001
– $15,000
2 endorsers are required.**
*Spouses cannot endorse one another.
The endorser will be required to provide a recent bank statement or proof of funds from non-registered accounts.
**Business plan and financial projections required for start-ups.
Spouses cannot endorse one another.
The endorser will be required to provide a recent bank statement or proof of funds from non-registered accounts.
Find the Right Loan for Your Needs
Explore personal, business, and education loan options available to our community.
Personal & Debt Relief Loans
- Debt relief (credit card, taxes, and debt)
- Essential living expenses (food, clothing, and housing)
- Medical, dental, and caregiving costs
- Home repairs, furnishings, and essential appliances
- Vehicle purchase or repairs
- Legal services and related expenses
- Adoption, fertility treatments (IVF), and foster care support
- Life-cycle events (weddings, Bar/Bat Mitzvahs) and holiday needs (High holidays and Pessah)
- Other general needs not listed above
Educational Loans
- Private and Jewish day school tuition - elementary and high school
- Special needs education and support services
- Seminary and Yeshiva
- Trade school and post-secondary studies
- Undergraduate, Master's, MBA, and medical school programs, graduate, PHD
- Jewish educational experiences (e.g., summer camps, March of the Living, Journey of Hope)
Business Loans
- Existing business expenses
- Business start-up costs
- Growth or operational needs
*Additional documentation may be required.
Ready to apply for an HFLA loan?
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Support future borrowers through the Full Circle Fund, an initiative inviting former borrowers to pay it forward—through the equivalent of one additional monthly payment or a one-time gift.
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Support future borrowers through the Full Circle Fund, an initiative inviting former borrowers to pay it forward through the equivalent of one additional monthly payment or a one-time gift of any amount.