The Hebrew Free Loan Association of Miami (HFLA) is a program of the Greater Miami Jewish Federation. Since 1989, HFLA has been offering interest-free loans to Jewish individuals and families who may not qualify for normal loan resources.

HFLA’s interest-free loans, as opposed to charity, fill an important gap in our social system by promoting self-sufficiency with discretion. Every loan disbursed by HFLA is a community investment in the dignity and independence of borrowers. Borrowers’ commitment to timely repayment schedules have helped HFLA maintain a reimbursement rate of more than 98 percent. As soon as monthly loan payments are deposited, HFLA approves and disburses new loans. Borrowers understand the process and are dedicated to timely repayment schedules as they are quite literally paying it forward to the next person in need.