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Hebrew Free Loan of San Francisco

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Nonprofit Overview

Causes: Education, Financial Institutions, Judaism, Religion, Scholarships, Scholarships & Student Financial Aid

Mission: We provide interest-free loans to Jewish individuals and families in Northern California for emergencies, personal financial challenges, tuition and education-related costs, first-time home purchases, debt consolidation, starting a new small business, adopting a child, and special medical needs. We also make loans to Jewish organizations and synagogues.

Results:  $8 million dollars out in loan circulation  over 1,000 borrowers.  Our repayment rate is over 99.5  To date we have helped over 100,000 people.

Target demographics: Jewish individuals & families

Geographic areas served: Northern California

Programs: Interest-free loans. Loan Program--types of loans include: Adoption Business Debt Consolidation Emergency Health Care Home Buyer Institutional Jewish Community Employees Life Cycle Personal Recently Unemployed Special Needs Student

Community Stories

47 Stories from Volunteers, Donors & Supporters

Oraneet

Client Served

Rating: 5

I am deeply grateful for Hebrew Free Loan of San Francisco! In 2013, they gave me a loan to help me pay for my bar studies course. Thanks to them, I passed the CA bar exam on the first try and am doing what I love - practicing as a civil rights legal aid attorney representing low-income Bay Area tenants in their fight against unlawful evictions and asserting their fair housing rights. Without Hebrew Free Loan, my dreams of social justice advocacy would not have been realized!

Lara W.1

Client Served

Rating: 5

Incredibly supportive organization that has nonjudgmentally helped me twice: once to pay for graduate school and later to consolidate my credit card debt. I am so grateful that HFLA exists.

Greg K.

Client Served

Rating: 5

Hebrew Free Loan was a GAME CHANGER for our restaurant and catering business! We were growing but lacked cash reserves to properly expand. With their help, we were able to confidently expand our catering capacity. The process of applying for the business loan was helpful - it was collaborative and consultative and prepared us to take on our first funding.

Client Served

Rating: 5

So supportive and professional. Really care about the community they serve!

Board Member

Rating: 5

Hebrew Free Loan has been supporting the Jewish community in the Bay Area for 120 years, without fanfare and very often, without a lot of public awareness. Through interest free loans in a variety of loan categories - from education to business to debt consolidation to fertility to lifecycle events and more, HFL SF has continued to grow and to compassionately serve an evolving community beyond its original mandate. I am proud to be a volunteer and board member for an organization which has had, and continues to have, such a positive impact on people's lives and self-sufficiency.

Drew E.1

Donor

Rating: 5

Hebrew free loan association SF is one of the best non profits in the city. They are the only place to get interest free loans for a variety of needs. Great organization

Client Served

Rating: 5

I wish I can give Hebrew Free Loan more stars. They literally helped us get a loan when we were in dire need of one. And didn’t know where else to turn.

Struggling with fertility issues, they went above and beyond to help us and were very supportive and sympathetic during the process. Cindy was a pleasure and even though we got and PAID OFF our loan years ago, we still keep in touch. They really care for you.

If you are Jewish, have co-signers and live in SF, don’t hesitate to give them a call. They will try to help you the best way they can.

Thank you so much to everyone at HFL!!

Donor

Rating: 5

Fantastic non-profit that has consistently carried out its mission of helping immigrants for 120 years with no interest loans. It's mission has broadened beyond business loans to education loans, loans for ceremonies, IVF, and now helping immigrants who aren't Jewish. Kudos for changing with the times!

Professional with expertise in this field

Rating: 5

thank you for your help with two business Loans in the past 10 years.

Client Served

Rating: 5

Hebrew Free Loan is an incredible organization on a mission to help people make their dreams come true without compromising financial health. I am so thankful to HFL for helping me finance my doctoral studies, without them I would have likely chosen to no longer pursue my PhD.

Leandro M.

Client Served

Rating: 5

Great guidance and support for my business goals! They helped me get the loan I needed to move my business to the next level

Client Served

Rating: 5

Cindy and the members of Hebrew Free Loan were fabulous. Asking for money can feel just awful and needing money can feel so embarrassing, but they made the process so comfortable. They were very professional, very straight forward and very empathetic. I cannot thank them enough.

heystish

Board Member

Rating: 5

I became involved with Hebrew Free Loan as a skilled volunteer, and joined the Marketing Commitee. I was quickly hooked - the scale of impact this one small organization has in the community is unbelievable. The staff truly is a family to their clients, and every time I hear about another person, family, or business helped by a Hebrew Free Loan I swell with pride. It is an under-utilized and under-known resource for the community!

Previous Stories
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Board Member

Rating: 5

This organization is special. Every story I hear is one of incredible impact, helping people achieve their dreams, or survive when other avenues are impossible. Often when I tell people about it, they don't believe me because it sounds too good to be true. But it's real, and is extremely tied to the Bay Area Community.

Review from Guidestar

Tobi L.

Client Served

Rating: 5

Hebrew Free Loan has been a game changer for me. The financial support has allowed me to grow my business. Their friendliness and helpfulness has been unprecedented - in a world of competition and playing dirty, it's so amazing to find an organization like HFLA that truly cares about people and has tools that are effective. They've been a key player in helping me integrate back into my life after returning from Israel and building my business that is geared toward health and community. I thank HFLA and would refer any one who needs a little support to be their best.

Volunteer

Rating: 5

I know countless people who swear by HFL to help them get loans free of interest. They all have nothing but good things to say and I am an avid supporter of this non profit making a big impact by empowering the local community with the loans necessary to help move people forward in their lives.

Client Served

Rating: 5

I am truly grateful for Hebrew Free Loan. Without Hebrew Free Loan, I would not have been able to return to graduate school part time, as a full time working mother living in Alameda.
This loan is helping me not get over my head with interest payments and unmanageable debt.
The process is also positive, and easy. My loan officer Beth was a joy to work with. She is kind, clear, professional and timely. We are fortunate to have Hebrew Free Loan!

Client Served

Rating: 5

Great Company. Really identify with their vision and they have improved my life substantially.

Client Served

Rating: 5

For several years, my wife and I have worked to reign in our expenses and eliminate unnecessary luxuries (vacations, dinners out, babysitters, items for our home). But the cost of living in the Bay Area, combined with student debt, combined with two kids, combined with medical expenses and the usual unexpected costs of life, has made our goal of living debt-free feel more-and-more elusive. Like so many others, we were caught in a cycle of slowly mounting debt without resources or help to reverse the tide.

Even though I work within the Jewish community, it frankly never occurred to me to reach out to Hebrew Free Loan for help. I was embarrassed, a bit ashamed – I’m a professional who makes a decent salary and am not on the verge of living on the streets. Debt consolidation felt like I was inviting judgment for my past errors or excesses. But, after a casual conversation with a savvy colleague about my ongoing financial stresses and limitations, I decided that I needed to act.

And what a great first step it was. Not long after reaching out to Hebrew Free Loan I started to feel hope that I could create a new plan and approach to financial stability – one that I’d not tried before. Hebrew Free Loan rightly required me to assess my expenses with realistic eyes, to budget carefully, and to get organized. After meeting with their loan officer, having entered the room somewhat sheepishly, I left feeling like I’d made a genuinely smart decision.

Not only did Hebrew Free Loan help me become more organized and disciplined, but I felt like the act of asking and receiving help from the Jewish community actually connected me to meaningful Jewish tradition. It felt like an act of Jewish solidarity, and my loan officer explained that their work – and our relationship – was indeed rooted in Jewish codes.

And, to my surprise, during the process of seeking a loan, I discovered that my parents had in fact received a Hebrew Free Loan before I was born, just when they were struggling to get onto their feet and contemplate having a family. It seems that I organically, yet inadvertently, followed in their footsteps.

So, today, I am on the path to paying off my debt, making smart financial decisions / living within my means, and no longer feeling quite so enslaved by money stress. Yes, I’ve only started the process, and I’ll never be a wealthy man, but I know I’m on my way to more peace. That means everything to my family and me.

Thank you, Hebrew Free Loan!

-Ilan

Alex52

Client Served

Rating: 5

Absolutely fantastic organization in every way, shape, and form!

I started a business, but did not have enough capital to expand as quickly as I needed. The interest free loan that I received from Hebrew Free Loan enabled me to hop several months (and possibly years) ahead in terms of scaling my business!

Aside from the loan itself, the people working within the organization are absolutely top-notch. Everyone who I spoke with was extremely friendly, and really took the time to understand my business and my goals.

There was a good amount of money involved in my loan, so I was slightly intimidated going into the process. However, I immediately realized that any fears I had were unfounded!

The representative that I worked with gave me several application options, and made sure that we chose the one most likely to get my loan approved. They also assured me that, if my application was to be declined the first time, they would work with me to re-apply until we were all satisfied. Amazing!

I felt that asking for a loan would be difficult - I could not have been more wrong. The organization was an ally and an advocate for me to get the funding I needed, which was absolutely incredible considering they were the ones that gave the loan!

To any Jewish citizens of Northern California, I would look no further than this first-class organization for a loan to start a business, personal venture, education, etc. As soon as I am able, I will be donating to this group, and will certainly spread the word wherever I can.

Thanks again, Hebrew Free Loan!

Client Served

Rating: 5

This organization is a godsend. Not only was is the loan exactly what my video production company needs to get our production equipment for jobs, the people who work there and run it are so sweet and helpful. They treat me like a friend and an entrepreneur. They worked hard to help me get the capitol I needed. Thank you HFL!