Emergency or Significant Expense Loans

HFLS provides interest-free loans of up to $5,000 to help people meet emergency needs and pay for large expenses, including but not limited to home and car repair, moving expenses, catching up on bills after unemployment, and life-cycle events. Emergency or Significant Expense loans are repayable in monthly installments of $250.

For more information about Emergency or Significant Expense Loans, required documents, and the HFLS loan process, please view the Emergency or Significant Expense Loans Information Sheet. Contact HFLS at (212) 687-0188 or loan@hfls.org with any questions or to request an application.

The Hebrew Free Loan Society makes interest-free loans to low- and moderate-income individuals and families living in New York City’s five boroughs, Westchester, or Long Island. You can view our income guidelines here.

If you have financial need for an interest-free loan but your household income is higher than the amount listed for your household size, please contact HFLS at (212) 687-0188 or loan@hfls.org to discuss whether you qualify for a loan based on your specific situation.