Applicants will need to provide:
- Completed application
- Secure submission of SSN for credit check
- Photo ID
- Proof of income
- Budget
- Proof of the need for a loan (i.e., a tuition bill, medical bill, estimate of cost for a vehicle or home repair, all credit card statements, etc.)
- Guarantor application (if applicable)
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Interested in applying for a loan? Fill out this quick online application.
Staff will follow up to confirm your eligibility and next steps.
Many applicants must have a guarantor who lives in Pennsylvania and who has a credit score of 670 or higher. This will be determined based on information the applicant provides (including a review of applicants’ credit and credit score) and/or amount of loan requested.
Applicants will need to provide proof of ID, proof of income, a budget, an invoice or estimate for how the loan will be spent, and possibly other documents depending on the type of loan requested. And if approved, borrowers may be asked to provide a receipt to show proof the loan was used for the approved item/expense.
Please note: HFLA does NOT make loans to assist with monthly bills or utilities; rent/mortgage payments; car or student loan payments; personal loans or other loans; or for cash or working capital for small business owners.
Explore our list of Other Financial Resources for potential assistance with these needs.