The Mitzvah
The Torah commands us to lend and forbids us to profit from the loan.
Lend to help. Lend with dignity. Lend without interest.
JFLA is a non-profit offering zero-interest, zero-fee loans to individuals, families, students and small businesses in Los Angeles, Ventura, Orange, and Santa Barbara counties.
Our work is rooted in a Jewish tradition that sees helping people build a secure financial future as the highest form of poverty relief. By offering loans rather than charity, JFLA helps people become, and remain, self-sufficient.
Personal Loans
Personal/Emergency loans up to $15,000 with two qualified guarantors/co-signers are available for all sorts of needs including housing stability, student debt consolidation, access to medical, dental, and pet care, and more.
Business Loans
Small business loans up to $50,000 with three qualified guarantors/co-signers are available for all sorts of business needs including start-up costs, rent, salaries and benefits, Inventory, marketing expenses, renovations or expansion, and more.
Education Loan
Student loans up to $10,000 with two qualified guarantors/co-signers are available for full or part-time programs including undergraduate degrees, nursing, medical, dental school, or other graduate school programs, community college, vocational/trade, and more.
All applicants must be over 18, have a permanent residence in Los Angeles, Ventura, Orange, or Santa Barbara County, have proof of income and a valid CA state ID.
Full eligibility guidelines can be found here.
What Clients are Saying
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Invest in Financial Independence
Your gift powers zero-interest, zero-fee loans for families, students, and small businesses across our community.
Featured Loan Fund
Vocational School Education Loan Program
Eligible students pursuing degrees, diplomas, or certificates at Vocational, Extension or Trade Schools, Community or Junior Colleges can receive up to $5,000 with one qualified guarantor or up to $10,000 with two qualified guarantors.
Our Community Partners
JFLA News + Media
Stay connected and explore the latest from our community—read inspiring client stories, dive into our blog for insights and updates, and see how we’re making headlines in the media.
JFLA in the News
News coverage of JFLA and our programs. JFLA’s work is making headlines
The Torah states, (Exodus 22:24): When you lend money to someone in your community who is struggling, do not profit from their hardship. Do not charge interest.
Guided by this value, since 1904 Jewish Free Loan Association has offered zero-interest, zero-fee loans to all those who qualify, regardless of religion, race, or gender. We lend to the entire community as an expression of Jewish responsibility to care for one another.
By offering loans, we help people regain stability and independence, and we spread Jewish values by strengthening individuals, families, and the broader community.
Jewish Free Loan Association, as an organization rooted in Jewish values, firmly denounces antisemitism in all its forms. Together, we strive to create a world where all individuals are treated with dignity and respect, free from discrimination and bigotry.
