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Frequently Asked Questions
How to Apply

Who can apply for a loan with HFLA?

Applicants must be Jewish and reside in Western Massachusetts (Hampden, Hampshire, Berkshire, or Franklin counties)

Do I need a cosigner?

Yes. Loans of $3600 require one cosigner, loans from $3600-$7200 require two cosigners. A spouse may not cosign a loan. Cosigner’s information may be sent separately as to ensure privacy and confidentiality.

What documents must be submitted?

Applicants and cosigner(s) must each fill out an application and provide a credit report and current Federal tax return. Cosigner’s information may be sent separately to ensure privacy and confidentiality.

Do I need to be interviewed?

Yes. After your documents have been reviewed, an interview with two HFLA Board Members is required.

When must the loan be paid back?

Monthly payments can span a period of up to 36 months beginning one month after the disbursement date.

Where do I get the application form?

Download the form here – see the clickable file name to the right. Or, call the HFLA at 413-372-9756.

How do I get a credit report?

You can request a free credit report by contacting one of the following companies:

Why do I need to submit a credit report?

The credit report is a standard requirement for loan applications. Applicants who have had issues with their credit reports have received and repaid HFLA loans.

How to apply for a loan?

  • Contact the HFLA executive director at 413-372-9756 to discuss your loan request.
  • You and your cosigners will each send the application documents to the HFLA.

Please do not hesitate to call 413-372-9756 if you have any further questions.

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