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Loan Programs

DEEPLY ROOTED IN JEWISH TRADITION

Our mission derives directly from biblical text, “If you lend money to My people, to the poor among you, do not act toward him (her) as a creditor: exact no interest from them.”

– Exodus 22:24

Dallas Hebrew Free Loan Association (DHFLA), like similar Jewish free loan organizations across North America and the world, has made an essential difference in the lives of families, individuals, and small businesses in Greater Dallas. Judaism warrants that providing a loan is understood to hold preference over charity. The great Jewish rabbi and thinker Rashi affirms that such lending avoids the element of shame. Supporting this tradition, DHLFA’s loan programs provide borrowers an affordable and dignified way to navigate financial obstacles.

IF YOU NEED US, BORROW


Since 1935, DHFLA’s work has made a profound difference in the lives of our loan recipients and has been, and continues to be, an important Jewish communal funding resource. 

WHAT WE OFFER

Today, Dallas Hebrew Free Loan Association provides interest-free financial assistance with loan programs to pay core living expenses, underwrite educational costs, support small businesses, cover medical treatments and more. Review the type of loans we offer to see which one fits your needs.

Adoption and Fertility


Interest-free loans up to $20,000 to assist with the costs of adoption and fertility treatments.

Education consolidation loans

Education Consolidation


No interest loans up to $25,000 to assist with paying down student debt with accrued interest.

Emergency


Zero interest loans up to $500 to deal with life’s emergencies.

General


No interest loans up to $10,000 for a variety of needs such as home or auto repairs, unexpected bills, core living expenses and more.

Healthcare


No interest loans up to $10,000 to cover expenses related to medical procedures, therapies and treatments.

Higher Education


Interest-free student loans up to $4,000 per semester for undergraduate and graduate education expenses.

Jewish burial loan

Jewish Burial


No interest loans up to $7,500 for expenses related to a Jewish funeral and burial.

Jewish Experience


Zero interest loans up to $3,500 to assist with the costs associated with Jewish life.

Small Business


Interest-free small business loans up to $20,000 to sustain and grow Greater Dallas small businesses.

Special Needs


No interest loans up to $7,500 to cover services and therapies for families with a loved one with special needs.

REQUIREMENTS AND PROCESS

GENERAL REQUIREMENTS


To qualify for a loan, applicants must meet the following minimum requirements. Some loan types have additional qualifying criteria. Visit the loan page for the program for which you want to apply for details on what is required to be considered for a specific type of loan.

  • Member of the Jewish community
  • Resident of Collin, Dallas, Denton, Ellis or Rockwall Counties for a least six months
  • 18 years-old or older, unless otherwise noted
  • Demonstrated need
  • Show creditworthiness
  • No current DHFLA loan
  • Not serving as a guarantor on a current DHFLA loan

​APPLICATION PROCESS


  • Identify which loan type meets your needs. If you’re unsure, contact the Dallas Hebrew Free Loan Association office: 469-206-1639 or dhfla@jfsdallas.org.
  • Complete the appropriate loan application and submit with our online form, by email to dhfla@jfsdallas.org or by mail.
  • Obtain guarantors and ask them to complete and submit the guarantor paperwork to dhfla@jfsdallas.org.
  • If you are a qualified applicant, you will be contacted to schedule a loan interview by Zoom with members of the DHFLA loan committee. You may be asked to submit additional information.
  • A loan decision will be communicated to you by the loan officer following the interview.
  • If approved, funds will be disbursed following communication of the credit decision.
Dallas Hebrew Free Loan Association logo

No interest loans for the Greater Dallas Jewish Community

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CONTACT US

5402 Arapaho Rd
Dallas, TX 75248
Hours: Monday–Friday, 10 am – 6 pm
Phone: 469-206-1639

What We Do

Dallas Hebrew Free Loan Association (DHFLA) provides interest-free loans to members of the Jewish communities in Collin, Dallas, Denton, Ellis and Rockwall Counties

Member of the International Association of Jewish Free Loans (IAJFL). We are a nonprofit 501c3.

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