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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: To aid worthy Jewish people to be and remain self-supporting and self-respecting persons by aid of loans, grants, and such services as the individual may require. Such loans, grants, and services shall be rendered without interest or other charge.

Results:  $11 million dollars out in loan circulation  over 1,100 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 Coronavirus Impact Debt Consolidation Disaster Relief Emergency Fertility First-Time Homebuyer General Needs Health Care Jewish Organization Life Cycle Recently Unemployed Special Needs Student

Community Stories

70 Stories from Volunteers, Donors & Supporters

1

Client Served

Rating: 5

Hebrew Free Loan has helped me finance my doctoral degree in clinical psychology. Their staff are incredibly kind, helping me to think through how to integrate this loan with my overall financial plan. The online application is very user friendly as well!

1 Donna B.4

Client Served

Rating: 5

I had a great experience with Hebrew Free Loan of SF! I applied for an undergraduate loan for my first year of college, and the application and interview process was very smooth. Can't thank these guys enough :)

1 Maura F.

Client Served

Rating: 5

I'm so proud to be connected to Hebrew Free Loan! After securing a business loan for my design agency, I was able to focus on growth and securing new clients. I received guidance throughout the loan process from their incredible team. Hebrew Free Loan has served the Bay Area for more than 120 years and continues to help so many business owners and individuals on a daily basis. I couldn't be more grateful for their support.

1

Client Served

Rating: 5

College is hard and expensive. HFL really helps me go through my undergraduate education. People at Hebrew free loan are supper nice and helpful. I couldn’t imagine how hard it would be as a college student without HFL.

1

Client Served

Rating: 5

Hebrew Free Loan Association of San Francisco has been a huge help to me. I was incredibly scared of the financial side of college, and was worried how I would be able to pay the upfront fees. It is thanks to the Hebrew free loan that I am able to have peace of mind, and focus on my studies. Marina Levy of HFLA guided me through the whole process, and made me feel comfortable from the first step to the last. I am very grateful for the support of HFLA in my studies.

1

Client Served

Rating: 5

I was at six weeks till graduation for a MBA and I thought to myself how did I get here? I came to San Francisco with big dreams of getting my education here, my dad was retired and my mom disabled and couldn’t afford their own cost of living let alone any of their children. I was in a situation where if I was going to get a degree I had to land a option that I can be able to afford, little did I know how far I had to go to cover school and living to survive and thrive in San Francisco. Let alone it was hard for me to believe that myself, because I was the first person in my family to even get an AA. Both of my parents, and my brothers and sisters, tried to go to college, but they all ended up dropping out because they had children to support and bills to pay. I never thought I’d go on to get a bachelor’s degree, let alone an MBA.

I discovered Judaism at a local synagogue called Sha’ar Zahav. Going to Shabbat services every Friday night gave me time to meditate and think, which made me feel more in touch with humanity, and eventually I converted to Judaism.


During this time I was determined to go to an art school, so I went for as much financial aid as I could, from every possible source. During my last semester I had trouble covering all my expenses and needed to get my own apartment. That’s when I was referred to Hebrew Free Loan. Within just a few weeks I got a loan that let me pay my rent, food, and transportation costs, so I could finish my degree.

Right after graduation I had a once-in-a-lifetime opportunity to enter an accelerated MBA program at FIDM’s Los Angeles campus. I hadn’t planned on going to graduate school right away, but this was too good an opportunity to pass up. It was expensive to move to LA and get a new apartment and a new job, but Hebrew Free Loan came through for me again with a graduate student loan. I’m not sure how I would have covered all my living expenses without the extra help I got from Hebrew Free Loan.

Completing my master’s degree is truly a wish come true – a vision that I started working toward over 5 years ago. My plan now is to build my career one step at a time, and make sure I stay open to opportunities come my way. I don’t know yet exactly what my future holds. But I want to say that my life would be very different today if it wasn’t for the support of Hebrew Free Loan. Thank you!
 

1 Raleigh R.

Client Served

Rating: 5

This past summer our newly purchased "Chabad Center for Jewish Life" suffered a fire that devastated the exterior of our facility. This was indeed a difficult time for our community and funds were immediately needed to upgrade the facility.

Jamie Hyams, Cindy Rogoway, and all the staff at Hebrew Free Loan of San Francisco we interacted with were eager and open to help our community recover, restore, and rebuild. They made the loan application process seamless and were supportive along the way.

Thank you for the invaluable service you provide to the Bar Area's Jewish community. May G-d bless you and your efforts.

Rabbi Raleigh Resnick
Chabad of the Tri Valley

Client Served

Rating: 5

At first I found out about Hebrew Free Loan Association of San Francisco about 5-6 years, when they helped my older daughter's family (new homeowners at that time) with their difficult financial situation, and we (my wife and I) were co-signers to their loan. We were very grateful to Hebrew Free Loan at that point, and last year the loan was fully re-paid.
And who knew that this year my family will need a financial help from Hebrew Free Loan Association of San Francisco. I can tell you that my experience with Hebrew Free Loan from the very beginning, when we had to fill in online application form, was great! Everything in their process was straightforward and easy. Right after we applied online, on the next day we received email with additional instructions to provide more details for our case, and it didn't take much time from us either. Then in few days, we scheduled appointment with the case worker, and it was very pleasant and informative experience for us. Our case worker Marina Levy was very knowledgeable professional person, and she really cared about us, and she did everything to make our experience with Hebrew Free Loan be really pleasant. Thanks to Hebrew Free Loan, we are now in a much better financial situation as we were few months ago!
Also this year, our younger daughter (Brandeis University freshman) applied for the Student loan at Hebrew Free Loan Association of SF, and her experience with them (different case worker Beth Blackman) was also great!
Hebrew Free Loan Association of San Francisco is the best nonprofit organization that we know! They really help people during the difficult financial situations!

General Member of the Public

Rating: 5

Marina Levy
and the Hebrew free loan of sf have been awesome to me and very helpful to my need. It was a very nice great fast experience working with them. They helped me out big time and I'm very grateful for that, thank you so much

Yk

Jared B.2

Client Served

Rating: 5

We had over $20,000 in credit debts spread over 7 different credit cards and over the last five years and the balances were not moving down with interest charges. I looked online for loans to help us consolidate all our debts and had already been in a fair payment plan. I found Hebrew Free Loan online and it was the perfect solution for us!
We were able to consolidate all the cards into one loan with HFL and they were a pure joy to deal with in the whole process. They made it simple, straightforward and clear to implement. The best part is that we're no longer paying off the banks high interest every month, and now have no interest payments at all, all working to help us pay back this loan in full even faster! This has been a life-changing move for us as a family.
We could not be happier that we found H.F.L. and our family is so grateful for their real financial support to break free from credit debts.

Client Served

Rating: 5

I was truly blown away by my experience with Hebrew Free Loan. The personnel I interacted with were professional, knowledgeable, easy to talk to, compassionate and inspired about their work. I wasn't sure which loan type would work for me and got great advice on the best approach to take. Any question I had throughout the loan application process was answered promptly and clearly, and the whole process was easeful and non-intimidating. It felt like my loan officer was also my advocate ~ she was invested in my story and genuinely cared about my visions coming to fruition. When my loan was approved, we celebrated. What a gift!

Ilya D.

Client Served

Rating: 5

Hebrew Free Loan of San Francisco is awesome! Thank you for helping me out! I received a loan for credit card consolidation. The process was painless and Staff helped answer all of my questions. All Jews of Northern California should consider partnering with Hebrew Free Loan SF as they really help out our Community!

Client Served

Rating: 5

HFL of San Francisco is beyond incredible. This is a philanthropic organization that does amazing work serving the bay area community. Not only that, everyone there is polite, generous, and welcoming. They don't just hand out money to whomever, either. They do proper due diligence for every applicant and I was no exception.

I received loans from them while I was in college that helped me get through a vital time in my life, and most recently I applied and received a business loan to start a small business that I've been dreaming of for the last few years.

There should be programs like this around the world, helping current generations and paying it forward for the future ones. Kudos and Mazel Tov! I will champion this non profit for as long as I can and to whomever.

Client Served

Rating: 5

We received several loans for HFLA which allowed us to achieve our goals and build the dental practice that became a success. Thank you HFLA for allowing us to achieve our dream.
Julia and Alex Pastel

Client Served

Rating: 5

I am a graduate student in the Bay Area getting my masters in psychology to become a licensed Marriage and Family Therapist. I heard about the Hebrew Free Loan from my sister, who heard about it from her partner, so I decided to do my research. I submitted my initial application and was immediately responded to not only with useful information, but also with sincerity and care. The employees of the HFL that have assisted me from the beginning, have always been extremely helpful, communicative and dependable. They reviewed my budget with me and helped me plan out how I would allot the loan over the course of my school year. I continue to feel their support, now that I have reapplied for my second loan and am deeply grateful for everything they do for the community.

Greg K.

Client Served

Rating: 5

Hebrew Free Loan was a game changer for our business and our lives. They provided us with a substantial business loan to expand our restaurant into a catering business. The loan preparation process was helpful, collaborative, and fair. We couldn't be more thankful for our experience working with them!

Previous Stories

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.

Professional with expertise in this field

Rating: 5

Hebrew Free Loan was a Game Changer for my business. After our biggest customer filed for Chapter 11, we were able to regain the money from Hebrew Free Loan. As a result, we were able to pick ourselves up again and continue on.

Client Served

Rating: 5

The Hebrew Free Loan ... there just aren't words for how important and impactful this organization is. "It takes money to make money" is more than a cliche, and, in fact, if it were not for the generosity of HFLA in SF I don't know if I would have been able to get out of substantial financial hardship that was incurred due to health issues as well as student debt and generational poverty. I came to Hebrew Free Loan two times in my entrepreneurial journey. Both times they provided me with the resources I needed and played a huge role in my ability to advance my career and business. I went from struggling student, to massage therapist, to business owner with multiple locations. My business now employs 18 people and collaborates with local non-profits to provide wellness services to the homeless and women who have escaped domestic violence. We also partner with schools to provide job opportunities to single parents who are in school full time and need part-time, flexible, and rewarding work.
I mention all this because the ripple effect of HFLA is present in all this. If it were not for their wise and hard working staff, I can say without a doubt, none of this would have been possible. I am forever grateful!

Client Served

Rating: 5

Incredible organization. Straightforward process and simple repayment plan for a great INTEREST-FREE loan. I got mine to pay for graduate school but they have so many programs to help you in whatever part of life you're in. Highly recommended. Great people, great mission!

Client Served

Rating: 5

The folks at HFL treated me as if I was among the most important in its circle of the reason for its existance. The loan is a bridge between employment and is giving me the room to land in the next clearing as I make the journey. Beth Blackman was so conscientious, she works with multilevel layers of meaning about HFL. Thank you. Robin S.

Client Served

Rating: 5

I've been the grateful beneficiary of two loans from Hebrew Free Loan which I've used to further my education. Because of help from HFL, I was able to relocate to the Bay Area so that I could more easily continue my training as a Candidate in psychoanalysis. Everyone at Hebrew Free Loan has been obliging, respectful and easy to work with. Thank you!

Client Served

Rating: 5

I really needed to find funding to pay for my university fast after my financial aid fell through due to a bureaucratic policy that my school hid from me until the first day of classes. I was facing having to take a semester off of school and consequently possibly being kicked out of my internship because I couldn't afford to pay for school. Hebrew Free Loan was a life saver to me because they granted me a loan for school. I couldn't be more thankful to them, and the donors, for helping me finance such an important part of my life. The process of applying and receiving the loan was very fast, easy, and I felt genuinely cared for. Thank you Hebrew Free Loan and the people who make it possible.

Client Served

Rating: 5

I have had excellent service with the Hebrew free loan Society and so have other members of my family. As well I have helped others received support and loans. It's an excellent organization and I'm highly proud to recommend them.

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.

Client Served

Rating: 5

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

Writer

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.

1 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
3

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!

Client Served

Rating: 5

I was an international student on a student visa ten years ago and I had no reasonable, viable options for funding/loans while finishing a Phd in Jewish studies. All U.S. dissertation grants in academic Jewish Studies funded U.S. citizens/residents exclusively (some made provisions for Eastern European students, which I was not). My only other option were bank loans with exorbitant interest rates. While the HFL did ask for additional paperwork & references because I was not a U.S. resident/citizen at the time, they were nonetheless the sole organization willing to assist me with much-needed funding while wrapping up my Jewish Studies PhD program. I am very grateful to HFL for the assistance they extended at a critical juncture.

Client Served

Rating: 5

Hebrew Free Loan Association is helping me finance my two masters degrees (MBA, MPA) with an interest free loan. As an organization, it is efficient and friendly. I loved going to their office and meeting the staff. Such nice people with a great sense of purpose.

Client Served

Rating: 5

I just entered grad school with the fear of incredibly high interest rates. Thankfully Hebrew Free Loan helped me save about $4000, which is a big chunk of dough!

Michael368

Client Served

Rating: 5

I have had the most incredible experience working with Hebrew Free Loan these past few months. Their staff is compassionate, organized, and so helpful. I highly recommend this organization!

Client Served

Rating: 5

Hebrew Free Loan recently provided my company with a loan to help mitigate cash flow pressure brought on by recent growth. Furthermore, the financial support provided strengthens our foundation and will enable future growth in 2016.

1 Alex46

Client Served

Rating: 5

I personally received a business loan to start my dream. In addition to the loan, i received mentorship and continued support. I could not be more grateful to this organization. They embody the best, Kindness, Mentorship, and Care.

Client Served

Rating: 5

Hebrew Free Loan made it possible for me to stay in business! In the early stages of business I needed funds that I couldn't get from a traditional bank. The HFLA loan process was straight forward and professional. In addition, everyone at Hebrew Free Loan was very supportive. I have ended up forming relationships there and my business is thriving!

1

Volunteer

Rating: 5

HFLA serves its clients in a compassionate, efficient and non-judgmental way. It was essential to my maintaining calm during a difficult divorce. It was there for me when I was a student and again, now that my children are students. My family has come Full Circle with HFLA and I am now a donor and volunteer.

1

Client Served

Rating: 5

Hebrew Free Loan is an absolutely amazing organization. Without them, we never would have been able to afford the fertility bills . . . and we never would have been able to create the family that we now have! Their donors exhibit the highest forms of altruism, and their staff treats you like family. We could not have asked for a better experience.

1

Client Served

Rating: 5

I love referring people to HFLA because I can do so without any reservations. Financial need can be such a vulnerable experience, whether it is for emergency needs, schooling, business or building yoru family. The people at HFLA are patient and caring and also very professional. I am the professional I am today because of the loans I was able to receive from HFLA. I feel the way I do about my success because I was able to pay back my loans and know I was helping the next person coming in the door. More than an institution, it really is the foundation of community.

2

Client Served

Rating: 5

We applied for a Hebrew Free Loan to purchase equipment to grow our production company. The experience was completely painless. Cindy took the time to get to know us, to understand our situation and to help us present our need in the most effective way possible. We are so grateful to Hebrew Free Loan.

2

Client Served

Rating: 5

My experience with Hebrew Free Loan has been the least-painful (most pleasant) experience I've ever had with a financial institution. Cindy helped us through the process with kindness, care and attention.

3

Client Served

Rating: 5

We recently received a business loan to help cover startup costs of a new building my wife is renting to launch a psychotherapy and wellness practice. Throughout the whole process, Cindy and Marina were available to provide guidance, answer any questions, and talk through any complications. They made the process transparent and painless, and we cannot thank them enough. The money will make it possible for this new business (and our family) to thrive, and we could not have done it without them. They are providing an invaluable service to the community, and I recommend them wholeheartedly.

2

Client Served

Rating: 5

I recently received a business loan for my video production company and feel grateful not only for the financial support but also all the moral support along the way. The executive director, Cindy made the process feel extremely smooth, as she was always available to talk through any questions or concerns. I know this loan will enable me to launch my company on to the next level.

3

Client Served

Rating: 5

I recently received a loan from Hebrew Free Loan to help me cover the cost of a Tech Bootcamp that will help me transition into a stable career and start building my future. Throughout the entire loan application process, HFL operated with incredible swiftness and tact. Marina e-mailed me back immediately and was super helpful in answering all my questions and concerns. I met with Beth for my interview and was blown away by her enthusiasm and charm. The service that HFL offers is amazing, and the people who work there are equally so! I will forever be grateful to them for believing in me and selflessly using their funds to help me get where I want to go. I would easily recommend HFL to anyone looking for a loan to help better themselves or take their career to the next level.

3

Client Served

Rating: 5

I am a graduate student who has received several no-interest loans from Hebrew Free Loan Association of San Francisco, and I have nothing but positive things to say about this organization. The staff is led by Executive Director Cindy Rogoway, who is warm, personable, and knowledgeable. Not only has she given me excellent advice regarding organizing my budget, but she also remembers personal details about me and my life (despite the fact that I am only one of hundreds of loan recipients with whom she interacts each year). The other members of the staff are very kind as well. Simply put, Hebrew Free Loan Association of San Francisco is a fantastic organization, and I am so grateful to them for making the cost of graduate school more manageable for me.

Review from Guidestar

3

Client Served

Rating: 5

I recommend Hebrew Free Loan wholeheartedly. After having already dealt with financing an undergraduate public education, financing a graduate-level degree at a private institution seemed like a different - and more foreboding - beast. I am now a 1L at Harvard Law School facing considerable student debt, but my mind can rest easy knowing that thanks to Hebrew Free Loan I was able to get a significant portion of my yearly funding interest-free. Being approved for a Hebrew Free Loan allowed me to lower the amount of unsubsidized government loans I would have to take out, which start accruing interest while I am still in school and only get larger and larger until one day - hopefully - I will be able to start paying them off. I am personally interested in public service, so chances are that I will not be wealthy beyond imagination in my coming future, so it is a load off my mind to know that I have less interest accruing while I am in school. Honestly, receiving a Hebrew Free Loan is one of the main reasons I feel financially stable today.

4

Client Served

Rating: 5

My experience as a client of Hebrew Free Loan far exceeded any expectations I had. My loan officer was precise when reviewing my finances, prompt with her responses, and extremely personable. The whole process felt smooth and easy, and it was clear that the organization truly wanted to help as much as they could. It felt like I was working with a friend rather than someone who was doing me a favor and the loan made a huge dent in my private student loan. It will help me save a great deal from all the interest I won't have to cover anymore.

5 Anna79

Client Served

Rating: 4

My sister was dying of cancer in a hospital across the country. I needed financial help to get to see her. I had heard of this association several years ago but I thought it was strictly for business or student loans. However, I decided to call and ask if they could help me visit my sister. The staff was very kind and set up an interview with me over skype. I had references from friends and my rabbi. This association approved a personal loan for me within one day.

It was a wonderful mitzvah... I got to spend the last 7 weeks of my sisters life by her side. we became very close and she did not die alone. I was holding her hand.

I am very grateful for this loan. Hebrew Free Loan also renewed my faith in our people helping one another in time of need.

thankyou
Anna Berwin
Mckinleyville Ca

2

General Member of the Public

Rating: 4

My son recently applied to the Hebrew Free Loan for assistance in getting funds to allow him to fulfill his dream of attending graduate school in NYC. His application was quickly reviewed, approved and funds sent. The funds will pay his rent for a year, allowing him to focus on his studies and to obtain an critical unpaid internship. We are grateful for this critical support from our community.

2

Client Served

Rating: 5

Heberw Free Loan allowed me to go to a grad program and work fewer hours so I could focus on school. They were great!

2

Client Served

Rating: 5

HFLA is a tremendous organization whose mission of interest free lending helps the Bay Area Community and individuals in need, at various stages of their lives. I was fortunate to be a loan recipient twice. The first loan I received was a student loan, which was a huge help, this was not an affordable option for me back then, but something I had wanted to accomplish for some time. The second loan was for a small business that I started in 2006. Hebrew Free Loan Association, gave me the opportunity and helped me grow my small business with a $25k loan. With the help of HFLA I have been able to learn and grow both personally and professionally and I will be forever grateful for the future they helped build for me and my family.

Review from Guidestar