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  • HFLA Loan Application Form

  • Thank you for your interest in applying for an HFLA loan. 

    Before you begin our application, please make sure that you meet the following eligibility requirements:

    • You are Jewish 
    • You reside in British Columbia (exceptions made for students raised in B.C. that are temporarily studying out-of-province)
    • You are a Canadian citizen, Permanent Resident or Convention Refugee (applicants on a work or student visa are able to apply but only for a $1,800 Visa Holder Loan). 
    • You are 19 years of age or older

    Please note that HFLA loans are designed to support individuals and families experiencing financial need. To determine eligibility, HFLA follows BC Housing's income guidelines. Based on this criteria, if you are a single person or couple with a gross income above $84,780, or a family of three or more with a gross income above $134,140, you may not qualify for our charitable services. Please note, however, that special consideration may be given for families with high Jewish participation costs (school, camps etc) that are above the $134,140 threshold. 

    This loan application should take about 15 minutes or so to complete. If, however, you need to take a break, simply press the "Save" button and follow the instructions so that you can complete the application later. Please note that you DO NOT need to create a jotform account to save your work. Simply go to the bottom option that reads "skip create an account". 

    You will receive an email confirming your application submission. Our offices will then review your application for errors and omissions and be in touch with you if we have any questions or concerns.

    Once your application is deemed complete, a volunteer board member will call you to arrange a virtual interview at a mutally agreeable time. 

    Please email jwaselhfla@gmail.com with questions or if you have any technical issues while completing this application.

  • Eligibility Confirmation

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  • HFLA no longer offers “top-up” loans, except in situations of true emergency or serious financial crisis. We understand that unexpected challenges can arise, and when they do, we will always do our best to be there for you and respond quickly.

    For all other circumstances, we ask borrowers to finish repaying their current loan before applying again.

    One of the important parts of HFLA’s work is not only providing financial support, but also helping borrowers strengthen their long-term financial planning. Our mandate is not to operate as a revolving line of credit, but to help individuals move through a challenging period and toward greater stability. Completing a loan is a meaningful part of that journey. It allows borrowers to close one chapter before beginning another, and it offers a sense of accomplishment, clarity, and progress that can be incredibly empowering.

    If you are a current borrower, please do not complete a new application without first sending an email to Joanna at jwaselhfla@gmail.com explaining your circumstances. She will review your situation and provide guidance on whether you can submit a new application at this time and what steps to take next.

  • CONTACT INFORMATION

  • BACKGROUND QUESTIONS

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  • In order to be considered for most HFLA loans you must be a Canadian Citizen or have  Permenant Resident or Convention Refugee Status in Canada. 

    Applicants on a work/student visa are eligible to apply for our new "Visa Holder" loan program ($1,800 maximum). 

    If you do not meet these requirements, please email jwaselhfla@gmail.com to determine your eligability to apply for a loan with us. 

  • Spousal/Partner Questions

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  • LOAN REQUEST

  • HFLA is committed to working with you to create a repayment schedule that feels realistic and sustainable for your household. Everyone’s financial situation is different, and we trust that you know what you can comfortably manage each month.

    For that reason, you may select any repayment period between 20 months and 40 months. Choosing a longer period means smaller monthly payments, while choosing a shorter period means larger monthly payments but finishing the loan sooner.

    As a reminder, as a charitable organization, HFLA does not charge any interest or fees on your loan. To see what the various payment options could look like for you, please try our payment calculator by clicking here.

  • GUARANTOR INFORMATION

  • A loan request of this size requires you to have one guarantor (someone who agrees to repay your loan if you cannot). This guarantor must:

    • Be Jewish
    • Be a current resident of British Columbia
    • Be a Canadian citizen or Permanent Resident
    • Be 19 years of age or older
    • Show an ability to repay the loan
    • Not be a current borrower or guarantor
    • Not be married or living with you (exceptions made for parents of dependent students) or the other guarantor
    • Not be married or living with another borrower or someone guaranteeing another loan
    • Be in good standing with HFLA

  • A loan request of this size requires that you have two guarantors (people who agrees to repay your loan if you cannot).

    Your first guarantor must:

    • Be Jewish
    • Be a current resident of British Columbia
    • Be a Canadian citizen or Permanent Resident
    • Be 19 years of age or older
    • Show an ability to repay the loan
    • Not be a current borrower or guarantor
    • Not be married or living with you (exceptions made for parents of dependent students) or the other guarantor
    • Not be married or living with another borrower or someone guaranteeing another loan
    • Be in good standing with HFLA

    Your second guarantor must: 

    • Be a Canadian citizen or Permanent Resident
    • Be 19 years of age or older
    • Show an ability to repay the loan
    • Not be a current borrower or guarantor
    • Not be married or living with you (exceptions made for parents of dependent students) or the other guarantor
    • Not be married or living with another borrower or someone guaranteeing another loan
    • Not be married or living with your first guarantor (i.e. married couples are considered one fiancial unit)
    • Be in good standing with HFLA

    Your second guarantor DOES NOT need to be Jewish and can live anywhere in Canada. 

     

  • Please ensure that you have spoken with your guarantor(s) to request that they serve as your guarantor BEFORE you submit their names.

    In the days ahead they will receive an email from HFLA with an application to complete to confirm their suitability and willingness to serve in this capacity. Please inform them in andvance so they are not surprised by the email. We will not be able to review your application until their guarantor form has been received. 

     

  • Student/Skills Training Loan Information

  • New Business Information

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  • Housing Questions

  • Financial Questions

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  • Monthly Expenses

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  • Acknowledgment and Declaration


  • I,   , declare that the information provided in this application is true and correct.

    I acknowledge and agree that the personal information collected from me may be disclosed to the employees and volunteers involved in the loan decision process, to persons retained by HFLA to administer the loan, the the guarantor(s) listed above and to the other persons deemed necessary by HFLA for the provision or enforcement of the loan.

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