Frequently Asked Questions

 Hebrew Free Loan Association of Tucson

         Acts of Loving Kindness Since 1947......All Faiths Welcome


How do I get started?

Email us at info@tucsonfreeloan.org, call us at 520-297-5360 or fill out our online pre-loan application.

How much can I borrow?

Loan amounts vary greatly depending on the specific need and purpose. Available loan programs and amounts will be discussed with you during a confidential personal interview.

What do you give loans for?

The Hebrew Free Loan Association of Tucson offers interest-free loans for emergencies, healthcare, small business, education, life cycle events and more.

Do I have to be Jewish to apply for a loan?

No, The Hebrew Free Loan Association of Tucson is a non-profit, non-sectarian organization that provides interest-free loans to people of all faiths. However, some funds may be restricted to people of the Jewish Faith.

Do I have to live in Tucson?

Borrowers must be permanent residents of Southern Arizona including Pima, Cochise and Santa Cruz Counties. Borrowers must have a current Arizona Identification or Drivers License and legal residency status.

Am I required to have good credit?

Bad credit does not necessarily make you ineligible for a loan. Each loan application is handled on a case by case basis. We will check the credit of both the borrower and the guarantor.

Why do I need a guarantor?

Guarantors are required to guarantee the loan and they enable Jewish Free Loan Association to retain its 99.5% repayment rate and to help others in need in the future. We do not accept any other forms of collateral.

Am I required to have one or two guarantors to get a loan?

Loans under $3600 require one guarantor and loans over $3600 require two guarantors. However, each loan is on a case by case basis and this may vary.

What are the guarantor requirements?

Guarantors need to have good credit, a stable income and be at least 25 years of age. Guarantors cannot have any current activity with HFLAT either as a borrower or a guarantor. Guarantors must be willing and able to repay the loan if the borrower is unable to do so. Guarantors must complete the guarantor application and be interviewed. 

Can my wife/husband be a guarantor?

No, married couples are considered one borrower therefore a spouse cannot be a guarantor on a loan.

How long until I find out if I am approved for my loan?

Generally it takes up to two weeks to process applications and verify documentation. You will be contacted in either case whether your loan has been approved or not.

How much time do I have to repay my loan?

Payments begin approximately 30 days after the loan check is issued. Payment amounts are determined on a case by case basis during the interview. The payback period typically falls between 12 and 36 months.

How else can I support the HFLAT?

There are many ways in which you can support The Hebrew Free Loan Association of Tucson. We are entirely supported by the generous contributions of our donors. Your donation will help us help others and support our lean agency operations.