Most loans require the applicant to have a credit score of 670 or higher (some exceptions are possible if funding is available), however as long as the applicant has a suitable cosigner, applicants will be considered regardless of their credit score.

A suitable cosigner is a resident of Pennsylvania who has a source of income and a credit score of 670 or higher.

Hebrew Free Loan strives to make the process of obtaining a loan simple, but thorough. We are committed to meeting applicants with respect and compassion. The process is completely confidential.

Application Process

1. Click here to submit an application, contact us by phone at 412-212-8682, or email us at info@hflapgh.org. In order to successfully begin the application process, be prepared to submit your personal contact information, employer information for the applicant & co-applicant, information on household income and your household expenses. A budget will also be required (template available).
2. An HFL staff member will contact you to review your application.
3. If you qualify, staff will schedule you for a confidential Tuesday (sometimes Thursday) night appointment with a Loan Committee. You must bring photo identification, proof of your income, and evidence of your need for the loan (ie, tuition bill, estimate for home renovation, etc.).
4. Meet with a Loan Committee made up of two to three Hebrew Free Loan Board members. They will seek information about your need for the loan as well as your ability to repay a loan. The committee will approve or deny the loan.