JFLA 17+

JFLA is a non-profit, not a bank that provides no interest, no fee personal, business and student loans. No collateral needed, just two qualified guarantors.

The JFLA app offers a streamlined pre-application process that shortens the time between applying and funding for short term loans to residents of Los Angeles, Ventura, or Santa Barbara County. This tightened turnaround time is critical for borrowers facing a challenging time like a medical emergency or housing eviction, or need assistance with small business loans, infertility or other needs. The app also makes it easier for applicants to upload documents and track the progress of their loan.
Use the JFLA App to get a Personal/Emergency, Small Business, or Education loan.

Personal/Emergency Loans:
Get up to $15,000 with two qualified guarantors.
Loans can cover most personal/emergency costs related to housing, rental assistance, unexpected expenses, emergencies, medical, dental and other emergencies. They can also cover domestic violence victim expenses, in-home healthcare, IVF/adoption and funerals.
Loans can't be used for legal fees or travel expenses.
Proof of need will be required to apply.
Can be used for housing needs such as rent, Section 8 security deposits, moving expenses, basic furniture, and emergency home repairs.

Small Business Loans:
Get up to $36,000 maximum with two qualified guarantors.
Can be used for new start-ups, small business expansion, rent, inventory, technology upgrades, green energy needs, and more.
Proof of a recently filed business tax return and CA Business License, CA Seller Permit or City of LA Tax Registration Certificate is needed to apply.
Each applicant presents individual circumstances to be considered by the Loan Committee through the JFLA app.

Education Loans:
Borrow up to $7,500 with two qualified guarantors.
Students may apply for loans for traditional 4-year college, Nursing, Medical, Dental, Community college, Vocational or Trade school and more. Loans can be used to pay for tuition, fees, housing, transportation, books, computers, and more.
Can be used for undergraduate or graduate education.
Students may only apply during the open enrollment period.
Students may renew their loan one time per year with proof of full-time enrollment.