Personal Needs Loans
Personal Needs Loans can assist individuals or families with necessary living expenses, special needs related expenses or relieve financial debt burdens. Personal Needs Loans fall under three categories. General Personal Needs Loans provide loans for basic needs such as car repairs, new home expenses, utilities, moving, rent, computers, or trips to Israel. Special needs loans cover costs for mental health, developmental, and physical disability-related needs. Debt Consolidation Loans are available up to $10,000 to relieve financial debt burdens. (Up to $10,000)
General Personal Needs
Up to $5,000
- Assistance with used vehicles purchase, new home, moving expenses, car repairs, and utilities are just a few of the expenses in this loan category.
- Includes investing in computer or other communications equipment, traveling to Israel, or other opportunities that could be job related or heritage strengthening.
- Generally, personal needs loans may not be used to cover litigation costs and/or attorney fees.
Special Needs
Up to $7,500
- Get help managing the expenses associated with a wide range of special needs. Loans can help pay for treatment of mental health challenges, cognitive issues, developmental differences, or physical disabilities.
- Needs might include tutoring and educational assistance, medical equipment, physical rehabilitation, travel to treatment centers, and more. Assistance is available for yourself or a loved one.
Debt Consolidation
Up to $10,000
- Find relief from the burden of high-interest debt and get on the road to financial health. If your credit cards have become unmanageable and you don’t see a way out, we may be able to help you lower your payments and get out of debt more quickly.
- Loan proceeds are paid directly to creditor/source of need – not to Borrower. May require financial counseling at least 2 times during term of loan.
HFLSD’s interest-free loan program is available to residents of San Diego County. You must be at least 18-years-of-age and a member of the Jewish community to apply. Depending on the size and purpose of your loan request, you may be required to provide 2 guarantors for your loan. Guarantors must be over 25 years old and at least one guarantor must be a resident of California. Please do not let the guarantor requirement keep you from submitting your application. Please complete the secure application form and a member of the HFLSD staff will be in touch as soon as possible regarding your application, guarantor(s) and next steps.
