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: