How to Apply for
Your Loan

Follow a simple, step-by-step process to create your account, submit your HFLA application, and access an interest-free loan.

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Step 1

Create Your Account

Set up your secure HFLA account in minutes

1

Visit the Registration Page

Go to hflamtl.org/app/user/register to create your account.

2

Set Your Password

Choose a password you'll remember.

3

Enter Your Details

Fill in your information and click Sign Up.

4

Check Your Email

You will receive an email to confirm your account.

5

Validate Your Account

Click the link in the email to validate your account.

6

Start Your Application

Once your account is validated, sign in and click “Apply for a loan”.

Step 2

Complete & Submit Your Application

Provide your information and supporting documents

Fill Out the Application

Complete all the questions in the application form. Make sure all information is accurate and up to date.

Upload Required Documents

A photo of your Medicare card
A photo of your driver's licence or a second piece of ID
Proof for why you need the loan (e.g., credit card statement, dental bill, repair quote)
Step 3

After You Submit Your Application

What happens next and how to manage your endorsers

Please Be Patient

We will tell you how many endorsers (guarantors) you need. This may take a while. An email will be sent to let you know it's been done.

Then, go back into your account

1

Send the Code

As the applicant, you will need to send a code to your endorser (guarantor).

2

Watch the Video

See how to create and send the code to your endorser.

How to Send the Code to Your Endorser

Step 4

Instructions for Endorsers

Share these steps with your guarantor(s)

1

Once you have sent them the code, they will receive an email with instructions.

2

They must go to hflamtl.org/app

3

They need to create an account and password.

4

It's very important they remember their password, as they may need it again.

5

They must fill out the endorser form and provide all required information.

6

They need to upload 2 pieces of ID and their most recent bank statement.

7

They must submit the code you provided to them.

How Endorsers Accept the Code