Borrower's Loan Application


Please read the CJIFL Website Privacy Statement here. After reading, complete all sections of this application. If a part does not apply to you, indicate by entering "$0" or "N/A" (not applicable). Incomplete applications cannot be processed. If you are married or share income and expenses with another person, include ALL of the income and expenses on this single application. If you have any questions regarding this application, please email Jim Friedman at [email protected]. Every loan application is reviewed on an individual basis. After submitting this form, be sure to have your guarantor submit the Guarantor Application. Once all documents are received and completed, if the applicant and guarantors pre-qualify, then the loan committee will meet to review the application. 

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Borrower’s eligibility:

  • Be Jewish or reside in a Jewish household.
  • Is at least eighteen (18) years of age. 
  • Is a current resident of greater Cincinnati or nearby communities (minimum 12-month residency required).
  • Is a U.S. citizen or legal resident.
  • Can demonstrate creditworthiness and the ability to repay a loan (monthly income exceeds the amount of loan repayment).
  • Is not using the loan to reduce or eliminate credit card or other personal debt obligations.
  • Is not currently a co-signer on another Hebrew Free Loan or CJIFL promissory note.
  • Is not in or considering bankruptcy.
  • Can provide co-signer(s) depending on the size of the loan, who meet all the requirements.
  • Provide suitable references.
  • Request a loan that meets the program requirements.
  • Not be in collections with the Jewish Federation of Cincinnati (JFC).
  • Complete and sign the application along with the co-signer(s) and participate in a phone or face-to-face interview with the JFC staff and/or endowment committee.
  • Guarantors are required for ALL CJIFL loans. Your spouse or significant other may not be your guarantor. A minimum of one guarantor is required, and two guarantors (not married to each other) are normally required for loans over $2,500. Your application will not be complete until your guarantor(s) submit their guarantor application(s). 
  • Complete and sign promissory note once the loan is approved.
  • Refer to the FAQs section to review the guarantor requirements. 


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