Loan Programs

Member organizations of the International Association of Jewish Free Loans (IAJFL) each offer assistance through a variety of interest-free loan programs.
These programs include:
  • Assistance for emergencies, such as housing, transportation, clothing, food & shelter.
  • Small business start-up  loans.
  • Adoption assistance loans.
  • Loans for home healthcare.
  • Loans for technical and vocational training, as well as undergraduate and graduate students.
  • Loans for families with children with special needs.
For more information on those Loan Programs available in your local area, please scroll down to your local agency and contact them directly.

Our Offices



Jewish Free Loan of Greater Phoenix
3443 North Central Avenue, Suite 707
Phoenix, AZ 85012
(602)230-0180 (fax)
Email: info@jewishfreeloan.org 
Website: www.jewishfreeloan.org 
Larry Moffitt, President
Barrett Silver, Immediate Past President
Tina Sheinbein, Executive Director & IAJFL President

Hebrew Free Loan Association of Tucson 
4400 E. Broadway Blvd. Suite 610
Tucson, AZ 85711-
(520) 297.5360
Email: csgoritz@tucsonfreeloan.org
Phil Bregman, President & Director
Cindy Goritz, Administrator


Jewish Free Loan Association (IAJFL Home Office)
6505 Wilshire Boulevard, Suite 715
Los Angeles, CA 90048
(323)761-8841 (fax)
Email: info@jfla.org 
Website: www.JFLA.org
Facebook:  www.Facebook.com/JewishFreeLoan
Harold Tomin, President
James A. Kohn, Interim Executive Director

Natalie Shy, Loan Manager & IAJFL Secretary/Administrator

JFLA Valley Office
5429 Lindley Ave.
Tarzana CA 91356
(818) 344 – 1072

Jewish Family Service of San Diego
Turk Family Center
8804 Balboa Ave.
San Diego, CA 92123
(858)637-3011 Fax
Email: alinao@jfssd.org or joelc@jfssd.org
Website: www.jfssd.org
Main contact: JFS Access- 858-637-3210
Jennifer Levitt, President
Michael Hopkins, CEO
Joel Craddock, Divisional Director, Housing & Educational Services
Avi Frohlichman, HFLA Chairperson

Hebrew Free Loan Association of San Francisco 
131 Steuart Street, Suite 520
San Francisco, CA 94105
(415)546-7479 (fax)
Email: info@hflasf.org 
Website: www.hflasf.org 
Cindy Rogoway, Executive Director & IAJFL Vice President
John Riley, President
Gary Shapiro, Past President


Jewish Interest Free Loan of Colorado 
Temple Sinai
3509 S. Glencoe
Denver, CO 80237
303-759-2519 (Fax)
Loretta Cawelti, Administrator


Ruth & Norman Rales Jewish Family Service 
21300 Ruth & Baron Coleman Blvd.
Boca Raton, FL 33428
561-852-5081 (Fax)
E-mail: beth@ralesjfs.org or info@ralesjfs.org 
Website: www.ralesjfs.org 
Beth Levine, Senior VP/Chief Operating Officer
Danielle Hartman, CEO
Vicki Weinstein, Board Chair

Hebrew Free Loan Association of South Florida, Inc.
P.O. Box 630362
Miami, FL 33163-0362
305-933-1187 (phone)
305-396-5859 (fax)
Email: steve.schraer@hebrewloan.org or andrew.weinberg@hebrewloan.org
Website: www.hebrewloan.org
Steve Schraer, Office Administrator
Andrew Weinberg, CEO &  IAJFL President
Glenn Gopman, Treasurer & IAJFL Past President
Sydell Howitt, Vice President of Loan Administration

HFL of Palm Beach County
4601 Community Drive
West Palm Beach, FL 33417-2760
561-681-3542 (Fax)
Website:  http://www.jewishpalmbeach.org
Howard Kaslow, President
Lou Solomon, Executive Director

Jewish Educational Loan Fund, Inc.
See listing under Georgia for more information.


Jewish Educational Loan Fund, Inc.

4549 Chamblee Dunwoody Road
Atlanta, GA 30338-6210
(770)392-0932 (Fax)
E-mail: info@jelf.org 
Website: www.JELF.org 
Cathy Miller, Director of Finance and Operations
Rob Rickles, President
Jenna Shulman,  Executive Director
Melissa Kerbel, Director of development
Special note: JELF offers interest-free loans to Jewish students in need in a 5-state region — Florida, Georgia, North Carolina, South Carolina and Virginia– for post-secondary education (undergrad, vocational and/or graduate school).  

Jewish Interest Free Loan of Atlanta
5115 New Peachtree Road, Suite 200A
Chamblee, GA 30341
Phone: 404-410-6886
Website: www.jifla.org
Facebook: www.facebook/JIFLA
Email: freeloan@jifla.org

Director: Nancy Weissman
President: Laura Kahn
Treasurer: Stan Alhadeff
Loan Committee Chair: Merrie Edelston
Marketing Co-Chair: Jay Kessler
E-mail: nancy@jifla.org


Hebrew Free Loan of Maine
Hebrew Free Loan of Maine
c/o Temple Beth El
400 Deering Ave, Portland, Me 04103
Attention: Sherri Quint
Phone:  207-772-1959
Email: jbertram@maine.rr.com
Judy Bertram, President


Hebrew Free Loan Association of Baltimore
5750 Park Heights Ave.
Baltimore, MD 21215
Website: www.hebrewfreeloan.org
Howard Goodman, President

Hebrew Free Loan Association of Greater Washington 
6121 Montrose Rd.
Rockville, MD 20852-4856
(301)230-3147 (Fax)
Website: www.hebrewfreeloandc.org
E-mail:  hebrewfreeloandc@gmail.com
Linda Lourie, President
Deborah Reichmann, Executive Director


Hebrew Free Loan Assn. of Greater Springfield 
1160 Dickinson St.
Springfield, MA 01106
E-mail: hebrewfreeloan@springfieldjcc.org
Web site: www.hflaspringfield.org
Elaine M. Geha, Executive Director
Leo Milshteyn, President
Adele Miller, Vice President
Avrom Koltz, Treasurer
Janice Finkelstein, Secretary and Immediate Past President
Steven Koltz, Asst. Treasurer
Robin Fein Krevolin, Past President


Hebrew Free Loan of Metropolitan Detroit

6735 Telegraph Road, Suite 300
Bloomfield Hills, MI 48301
248-723-4809 (Fax)
E-mail: info@hfldetroit.org
Website: www.hfldetroit.org
David C. Contorer, Executive Director, dcontorer@hfldetroit.org
Harriet Orley, President
Laurie Banks, Controller, Director– William Davidson Jewish College Loan Program
Beatrice Berg, Administrative Assistant
Cheryl Berlin, Loan Program Manager
Beverly Dovitz, Executive Administrative Assistant
Bernice Herd, Loan Program Coordinator
Rob Schwartz, Marvin I. Danto, Small Business Loan Program Manager
Roger Siegel, Collections Attorney

Jewish Federation of Grand Rapids
2727 Michigan St NE
Grand Rapids, MI 49506
(616)942-5553 ext. 18
(616)942-5780 (fax)
Website: www.jfgr.org 
Karen Padnos, President
Rosalie Stein, Executive Director


Jewish Free Loan Program
c/o Jewish Family & Children’s Service
13100 Wayzata Blvd., #400
Minnetonka, MN 55305
(952)546-0616 phone
(952)593-1778 fax
Email: RPaley@jfcsmpls.org
Website: www.jfcsmpls.org
Main contact: Ruth Paley
Mark Fischer, Chairperson


Jewish Loan Association
c/o Jewish Federation of St. Louis
12 Millstone Campus Dr.
St. Louis, MO 63146
Website: www.jewishinstlouis.org
Email: scohen@jfedstl.org
(314)432-0020 Ext: 3800
(314)432-1277 (Fax)
Dr. Stephen Cohen, Coordinator
Sue Rundblad, Financial Assistant JFS


Hebrew Free Loan of New Jersey
c/o Jewish Family Service of MetroWest
256 Columbia Turnpike, Suite 105
Florham Park, NJ 07932
(973)765-9050 x344
Rubin Rotman, executive director
Arthur Schechner, President
Jane Sayovitz, Administrator

Paterson Hebrew Free Loan Association
10-10 Norma Avenue
Fair Lawn, NJ 07410
Phone: 201-791-8395
Sig Westerman, President
Fran Westerman, Administrator


Hebrew Free Loan Society
675 Third Avenue, Suite 1905
New York, NY 10017
(212)682-1120 (fax)
Email: info@hfls.org
Website: www.hfls.org
Rabbi David Rosenn, Executive Director
Vivian Mamelak, President

Buffalo’s Hebrew Benevolent Loan Association (HBLA)
serving the 8 counties of Western New York
2640 North Forest Road, Suite 200
Getzville, NY 14068
(716) 204-0542
(716) 204-1129 (fax)
Email: info@wnyhbla.org
Website: www.wnyhbla.org
Linda Boxer, President
Samuel Golden, Client Services

Hebrew Free Loan of Central New York
5655 Thompson Road
Dewitt, NY 13214
(315) 445-2040
(315) 234-4350 (fax)
Steve Volinksy, Chair of Finance


Jewish Educational Loan Fund, Inc.
E-mail: info@jelf.org
Website: www.jelf.org
See office listing under Georgia for more information.


Free Loan Association
c/o Anshe Sfard Synagogue
646 N. Revere Road
Akron, OH 44333
Reuben Cohen, President
Keith Migdal, Director

Jewish Federation of Cincinnati
8499 Ridge Road
Cincinnati, OH 45236-1200
(513)985-1503 (fax)
Email: jfriedman@jfedcin.org
Website: www.jewishcincinnati.org
Buddy Goldstein, Chairman
Jim Friedman, Director of Gift Planning & Endowments

Hebrew Free Loan Association of Northeast Ohio
23300 Chagrin Boulevard, #204
Beachwood, OH 44122
(216) 378-9042
(216) 378-9007 (fax)
Email: team@hflaclev.org
Website: www.hflaclev.org
Lisa Arlyn Lowe, President
Michal Marcus, Executive Director
Bruce Fallick, Vice President
Laura Kleinman, Vice President
Roz Quarto, Vice President
Larry Dlott, Co=Treasurer
Ben Zlatin, Co-Treasure
Wendy Albin Sattin, Secretary
David Edelman, Past President


Hebrew Free Loan Society of Greater Philadelphia
c/o Beth Sholom Congregation
8231 Old York Road
Elkins Park, PA 19027
Email: info@hebrewfreeloanphila.org
Website: www.hebrewfreeloanphila.org
Marshal Granor, Co-President
Tamar Granor, Co-President
Jonathan Harmon, Executive Director


Hebrew Free Loan Association of Pittsburgh
4307 Murray Avenue
Pittsburgh, PA 15217
Ellen Clancy, Director of Operations
Alexander Kiderman, President
Website: www.hflapgh.org
Email: info@hflapgh.org


Hebrew Free Loan Association of Providence
58 Burlington Street
Providence, RI 02906
Barry Pickar, President
Dr. Steven Hershey, 1st Vice President
Oleg Geyler, Secretary


Jewish Educational Loan Fund, Inc.
E-mail: info@jelf.org
Website: www.jelf.org
See office listing under Georgia for more information.


Dallas Hebrew Free Loan Association
PO Box 671235
Dallas, TX 75367-1235
(214)696-6554 (fax)
Email: dhfla@sbcglobal.net 
Website: www.dhfla.org
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President: Iris Young Sheppard
VP: Charles Skibell
VP: Myron Schwitzer
VP: Dorothy Wolchansky
VP Finance: Harrison Goldman
Secretary: Alison Fisher

Hebrew Free Loans of Austin
3571 Far West Blvd. #233
Austin, Texas 78731
(512) 677-4352
Website: www.hfla.org
Email: info@hfla.org or loans@hfla.org

Tarrant County Hebrew Free Loan Association
4750 Bryant Irvin Rd, Suite 808 (PMB# 206)
Fort Worth, TX 76132
Website: tchfla.org
Email: tchfla@yahoo.com
Phone: 817-691-8098
President: David Bekerman
Vice President: Lynell Bond
Treasurer: Lisa Moses
Secretary: Cheryl Visosky

Hebrew Free Loan Association of Houston
10101 Fondren Rd. suite 449
Houston, Texas 77096
Phone: 713.724.8997
Fax: 832.415.0415
Rachel Yurowitz
Agency Coordinator

Hebrew Free Loan Association of San Antonio
P.O. Box 780264
San Antonio, TX 78278
Website: www.hfla-sa.org
E-mail: info@hfla-sa.org
Marianne Kestenbaum, President
Michael Robbins, Vice President
Marianne Kestenbaum,Treasurer


Joseph & Evelyn Rosenblatt Free Loan Fund
c/o: Jewish Family Services
#2 North Medical Drive
Salt Lake City, UT 84113
Email: carol@jfsutah.org
Carol Einhorn, JFS Executive Director
Mary Jane Ciccarello, President
Diane Hartz Warsoff, Free Loan Fund Chair
Sheldon Elman, Treasurer


Jewish Educational Loan Fund, Inc.
E-mail: info@jelf.org
Website: www.jelf.org
See office listing under Georgia for more information.


Hebrew Free Loan Association of Washington State

P.O. Box 141
Mercer Island, WA 98040-0141
(206) 397-0005
Pamela Love, President
Maura Roberts, Vice President
Florence Katz Burstein, Secretary
Caroline Strelitz, Financial Coordinator
Jeff Puterman, Past President
Lori Eagle , Admin- office@hflawa.org


Milwaukee Jewish Free Loan Association
409 E. Silver Spring Drive
Milwaukee, WI 53217
414-961-1501 fax
Ginny Gendelman, Executive Director
Email: info@mjfla.org
Website: www.mjfla.org

Acceder – Hebrew Free Loan Association of Buenos Aires
Av. Corrientes 2763 Piso 3
Buenos Aires (C1046AAF) ARGENTINA
(54)114-96-61-112 (phone/fax)
Email: info@acceder.org.ar
Website: www.acceder.org.ar
Elias Kier Joffe, Executive Director
Ezequiel Kier Joffe, Operating Director

Empower – Jewish Care Interest Free Loans  
619 St. Kilda Road
Melbourne, Victoria 3004 AUSTRALIA
Email: financialservices@jewishcare.org.au 
Dr. John Serry, Chairman Loan Allocation Committee
Mr. Doron Abramovici, Financial Services

Guemach – Rio
221 General Venancio Flores Street
Leblon, Rio de Janeiro
RJ – Brazil
Phone #: 55-21-2294-3138
Email: contato@guemachrio.org
Flavio Stanger – President
Marcos Flaks – Executive Director
Marcelo Cukierman – Executive Director
Fernando Sigal – Executive Director
Alberto Edeman – Executive Director



The Calgary Jewish Family Loan Association
Anne Brodsky, Treasurer
Kimberly Nagan, President


Jewish Free Loan Society of Edmonton
200, 10220-156 Street
Edmonton, AB TSP 2R1
Jon Nobleman, Co-chair
Lauren Tankel, Co-chair
Debby Shoctor, CEO Jewish Federation of Edmonton


Hebrew Free Loan Association of Vancouver 
304B-950 West 41st Avenue
Vancouver, B.C. V5Z 2N7 CANADA
(604)608-9048 (fax)
Website: www.hfla.ca


The Asper Helping Hand Initiative 
Suite C200-123 Doncaster St .
Winnipeg, MB R3N 2B2 CANADA
(204) 478-8592
(204) 478-8592 (fax)
e-mail: sgarfield@jcfswinnipeg.org
Website: www.jcfswinnipeg.org
Shelley Garfield, Program Manager


Hebrew Free Loan Association of Hamilton 
30 Kings Street East
Dundas, Ontario L9H 5G6 CANADA
Carol Krames, Director of Jewish Social Services

Jewish Free Loan Toronto
4600 Bathurst Street, Suite 340
Toronto, Ontario M2R 3V3 CANADA
(416)635-8926 (fax)
Website: www.jewishfreeloan.ca
Email: info@jewishfreeloan.ca

Marra Messinger: Executive Director mmessinger@jewishfreeloan.ca 416 635 1217 ext 5269

Terry Borer: Immediate Past President and Chair of the Board
Rob Tick: President
Sheldon Parker: Senior VP
Michael Elkin: VP: Administration
Darrel Yashinsky: VP: Funders Liaison
Vlad Volodarski: Treasurer
Neil Katz: Secretary
Mark Shiner: Loan Co- Chair
Rammy Rochman: Loan Co-Chair


Barbara Barak
Joe Casse
Steven Friedman
Arnie Gross
Erez Ha’Cohen
Jules Lewy
Richard Long
Michelle Milner
Stan Rosenfarb
Cathie Smith Friedman
Marc Stefaniu

Ottawa Hebrew Free Loan Association
301-2255 Carling Ave.
Ottawa, Ontario K2B 7Z5 CANADA
(613)722-2225 x319
Email: hebrewfreeloanottawa@gmail.com 
Barry Agulnik, Main Contact
Percy Ostroff, President


Hebrew Free Loan Association of Montreal 
6525 Decarie Boulevard, Suite 202
Montreal, Quebec H3W 3E3 CANADA
(514)733-3698 (fax)
Website: www.hflamtl.org 
Email: info@hflamtl.org
Marc Mintzberg President
Frank Leboff, FCPA, FCA, Chairman of the Board
Nicky Madoff, Executive Director

Golders Green Gemach of London
Johny Chody, Executive Director

The Israel Free Loan Association
29 Rivka Street
Jerusalem 93461 ISRAEL
(972)2-566-9504 (fax)
Email: ifla@freeloan.org.il 
Website: www.freeloan.org.il/en 
Prof. Eliezer D. Jaffe, Honorary President and Founder
Edward Cohen, Chairman
Joe Rosen, Executive Director

Jewish Free Loan Association of Johannesburg

Goel Israel
Panama City, Panama
(507) 6792-9434 (phone)
Email: info@goelisrael.org
Website: www.goelisrael.org.

Mailing Address: 08312679
Paitilla, Panama City
Rep de Panama PANAMA