Special Needs Loans
Helping families access appropriate education, support services, therapies, and treatments for a family member with special needs.
LOANS FOR SPECIAL NEEDS
Dallas Hebrew Free Loan Association provides interest-free loans up to $10,000 to help cover the cost of a variety of services associated with supporting an individual with special needs such as diagnostic evaluations not fully covered by insurance, behavioral intervention, speech and occupational therapy, psychiatric care, school shadows or other educational support services, home care for individuals with neurological or behavioral issues, treatments not covered by insurance for individuals with serious diseases, and more.
Term: Payable in equal monthly installments over 60 months (five years). The first payment is due the month following loan origination.
BORROWER REQUIREMENTS
- You must meet DHFLA’s general requirements (see below).
- If you are an interfaith couple, the borrower must be the Jewish partner.
- You must submit a completed loan application, ACH form and a copy of a valid government-issued photo ID.
- All guarantors must submit a completed guaranty agreement, information release form and a copy of a valid government-issued photo ID.
ADDITIONAL REQUIREMENTS
- Provide documentation from an accredited agency such as Jewish Family Service or Scottish Rite, clinic, doctor, school or other special needs evaluation professional verifying need and participation of individual with special needs in counseling, services, therapy, school program, etc.
- Obtain two qualified guarantors, one of which lives in DHFLA’s lending area.
- Guarantors cannot live at the same address. Spouses and partners are considered co-applicants, not guarantors.
- Local clergy cannot serve as guarantors.
If you are concerned about meeting the guarantor requirement for special needs loans, please contact us at 469-206-1639 to discuss the circumstances. We’re here to help, and we may be able to make exceptions to certain requirements.
SPECIAL NEEDS LOANS
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.
- Be a member of the Jewish community.
- Reside for at least six months in Collin, Cooke, Dallas, Denton, Ellis, Fannin, Grayson, Hood, Hunt, Johnson, Kaufman, Montague, Palo Pinto, Parker, Rockwall, Somervell or Wise Counties, or any other county in North Central or East Texas that includes Longview, Texarkana, Tyler, Waco or Wichita Falls.
- Be 18 years-old or older, unless otherwise noted.
- Demonstrate need.
- Show creditworthiness.
- Cannot have an outstanding DHFLA loan.
- Cannot be serving as a guarantor on a current DHFLA loan.
- Have two creditworthy guarantors, unless otherwise noted.
- Provide a valid government-issued photo ID.
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.
No interest loans for the Greater North Texas Jewish Community
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CONTACT US
Mailing Address:
PO Box 671235
Dallas, TX 75367-1235
Physical Address:
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, Cooke, Dallas, Denton, Ellis, Erath, Fannin, Grayson, Hood, Hunt, Johnson, Kaufman, Montague, Palo Pinto, Parker, Rockwall, Somervell and Wise Counties, and any other county inclusive of Wichita Falls, Texarkana, Tyler, Waco and Longview, Texas.
Member of the International Association of Jewish Free Loans (IAJFL). We are a nonprofit 501c3.