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 (IAJFL Home Office)
3443 North Central Avenue, Suite 707
Phoenix, AZ 85012
(602)230-0180 (fax)
Email: info@jewishfreeloan.org 
Website: www.jewishfreeloan.org 
Ira Shapiro, President
Larry Moffitt, Immediate Past President
Tina Sheinbein, Executive Director
Chris Black, IAJFL Administrator

The Free Loan… at the Jewish Federation 
3718 E. River Rd.
Tucson, AZ 85718
(520) 297.5360
Our mailing address:
HebrewFree Loan Association of Tucson
6890 East Sunrise Dr. #120-310
Tucson, AZ 85750
Email: info@tucsonfreeloan.org
website: http://www.tucsonfreeloan.org
Phil Bregman, President & Director
Yana Krone, Community Relations Director


Jewish Free Loan Association
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
Rachel Grose,  Executive Director

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.
Greater Miami Jewish Federation
4200 Biscayne Blvd.
Miami FL 33137

305-692-7555 (phone)
305-396-5859 (fax)
Email: steve.schraer@hebrewloan.org or mblum@gmjf.org
Website: www.hebrewloan.org
Steve Schraer, Office Administrator
Maayan Blum, Assistant Director, Community Planning and Allocations

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
South Florida office: 561-444-8221
E-mail: info@jelf.org
Website: www.JELF.org
Facebook page: https://www.facebook.com/jelfloans/
South Florida Facebook page: https://www.facebook.com/JELFSoFla/

Jenna Leopold Shulman, Chief Executive Officer
Stan Lowenstein, President
Cathy Miller, Chief Operating Officer
Josh Schaier, 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 higher education (undergrad, vocational and/or graduate school).

Jewish Interest Free Loan of Atlanta
5115 New Peachtree Road, Suite 200A
Chamblee, GA 30341
Phone: 470-268-5665
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
(410) 466-9200
Website: www.hebrewfreeloan.org
Steve Meizlish, President

Hebrew Free Loan Association of Greater Washington 
6121 Montrose Rd.
Rockville, MD 20852-4856
(301) 859-0346
Website: www.hebrewfreeloandc.org
E-mail:  hebrewfreeloandc@gmail.com
David Farber, President
Shuli Tropp, 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
Carlin Trietsch, 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 and IAJFL President
Carolyn Bellison, 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 Free Loan Program
c/o Jewish Family & Children’s Service
5905 Golden Valley Road
Golden Valley, MN 55422
(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

Hebrew Free Loan Association of Western New York
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 Interest-free Loan Program 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.interestfree.org
Lisa Arlyn Lowe, President
Michal Marcus, Executive Director
Bruce Fallick, Vice President
Laura Kleinman, Vice President
Roz Quarto, Vice President
Marla Petti, Treasurer
Alisa Feingold, Secretary
David Edelman, Past President


Jewish Free Loan of Greater Portland
c/o Jewish Federation of Greater Portland
6680 SW Capitol Hwy
Portland, OR 97219
(503) 245-6449
Email: freeloan@jewishportland.org
Website: www.jewishportland.org
Caron Blau Rothstein, Director of Community Engagement and Special Projects
Marc Blattner, President & CEO


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
Cheryl Barish Erlick, 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


Greater Providence Hebrew Free Loan Association
400 Reservoir Avenue
Suite LL-A
Providence, RI  02907
John Catania, Administrator


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
Follow us in Facebook!

President: Helen Waldman
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
Mireille Chait
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


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

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



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

29 Rivka Street
Jerusalem 93461 ISRAEL
(972)2-566-9504 (fax)
Email: sagi@ogen.org and simon@ogen.org
Website: www.freeloan.org.il/en 
PSagi Balasha, CEO
Simon Cadranel, Vice President