Special Needs Loans

Helping families access appropriate education, support services, therapies, and treatments for a family member with 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.


  • You must meet DHFLA’s general requirements. (see below)
  • If you are an interfaith couple, the borrower must be the Jewish partner.
  • You must be referred to Dallas Hebrew Free Loan Association by an accredited agency such as Jewish Family Services (JFS).
  • You must submit a completed loan application and ACH form.


  • Documented need verified by accredited referring agency.  
  • Demonstrated involvement at the time of loan request of individual with special needs in support counseling, services or therapy. Documentation from referring agency certifying involvement is accepted.  
  • Two qualified guarantors, one of which lives in the DHFLA lending area. 
  • Guarantors cannot reside at the same address.
  • Each guarantor must submit a completed guaranty agreement and information release form.
  • If you are a married couple, the non-borrowing spouse is considered an additional guarantor.

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




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, Cooke, Dallas, Denton, Ellis, Erath, 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 Wichita Falls, Texarkana, Tyler, Waco or Longview, Texas for at 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


  • 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.
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No interest loans for the Greater North Texas Jewish Community

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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.

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