Loan Eligibility

Basic Loan Eligibility

*Check each loan type for its specific requirements

• Applicants must be at least 18 years of age and have a current CA issued ID (i.e. driver's license) and Social Security number.
• ⁠Applicants must have a CA issued ID or driver's license showing permanent residency in Los Angeles, Ventura or Santa Barbara County
• Applicants must demonstrate a need for a loan, i.e. a letter from our landlord, a bill or an estimate
• Documentation provided must have a consistent mailing address
• ⁠Applicants must have a steady source of income, or are a full-time student, to show the ability to repay the loan. Loans are paid back within 36 months and payments begin 30-45 days after receiving funding. (A few of our loan funds have shorter or longer repayment rates, please check the loan description for more information.)
• Applicants cannot be a current Borrower or Guarantor on a JFLA loan
• Applicants must have at least one qualified guarantor to secure a loan.
• Please note, married couples are considered as one applicant or one guarantor
• Loans Maximums and Requirements for most personal and emergency loans:
  Up to 7,500 employed with 1 guarantor
  Up to $12,000 employed with 2 guarantors