HFLS-IDG Loan Application

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Personal Information
Please enter the number without hyphens
Sí usted necesita que su entrevista de prestamo (telefónica) sea en español, por favor haga click en el boton de abajo y un Oficial de prestamo que hable Español se pondra en contacto con usted. Sí usted no selcciona "Español" en el boton de abajo, su entrevista de prestamos sera conducida en Ingles. - Español (checkbox)Si es posible, porfavor conteste todas las preguntas en Ingles.Por favor NO ponga todo en en letras mayuscula cuando complete la aplicación.
Address
Enter apartment or floor # if applicable.
Contact Information
If you do not have a mobile phone, please enter all zeros here and enter your home phone below.
If you do not have a home phone, leave this field blank.
If you have different email addresses for work and personal use, please provide your personal email address only.
Household Information
Do NOT include yourself or your spouse
Employment Status 
Employment Information
If unsure of the month or day, enter January 1st
Please do not abbreviate the company or organization name
Income Information
$
Enter your annual pre-tax salary from your job listed above. If your currently unemployed, please enter 0.
$
Enter your income from any sources other than the job you listed above. Please do NOT include spouse income. If income from other sources is $0, enter “0”. 
For instance: Unemployment, pension, social security, investments

Spouse/Partner's Information

If you are married, HFLS must receive the information below for your spouse. Your spouse will be listed as a borrower on the Promissory Note along with you, and will be required to sign the Promissory Note.
Personal Information
Enter numbers only, no dashes (-). If you do not have a Social Security Number, enter all zeros. 
How to contact your spouse/partner?
If you have different email addresses for work and personal use, please provide your personal email address only.
Spouse/Partner's Employment Status
Employment Information
If unsure of the month or day, enter January 1st
Spouse/Partner's Income Information
$
Enter your annual pre-tax salary from your job listed above or your annual income from unemployment, social security, pension, etc. If your current income is $0, please enter 0.
$
Enter your income from any sources other than the job you listed above. Please do NOT include spouse income. If income from other sources is $0, enter 0.
Loan Request Information
$
Up to $7,500 (numbers only - do not use dollar sign, commas, or decimals)
Form Completion
Referral Information
General Needs Loan Guarantor Information
All General Needs Loans require one guarantor who is willing and able to repay the HFLS loan if you do not. You and/or your spouse may NOT guarantee your loan.

Guarantors must:
  • Be a US citizen or legal resident currently living in New York, New Jersey, or Connecticut
  • Be currently employed with annual pre-tax household income of at least $30,000, or if retired, can demonstrate their ability to repay the loan through pension/retirement income or assets
  • Have a checking account and good credit, as evidenced by an HFLS review of their credit report
Even if they meet the criteria above, guarantors may NOT:
  • Be you, your spouse, or your dependents
  • Have a current loan from HFLS
  • Currently serve as a guarantor on an outstanding HFLS loan
  • Seem financially unable to repay the loan
A married couple is considered one guarantor; if your loan is approved, the guarantor's spouse must also sign the Promissory Note.

Please enter the first name, last name, and email address of your proposed guarantor below. After you submit your loan application, your guarantor will receive an email inviting them to complete an online Guarantor Form. If you have not already done so, please alert your guarantors to look out for this email.

Every HFLS loan requires a qualified guarantor. HFLS cannot process your loan application without a guarantor. 
Guarantor Information
Your guarantor may NOT use the same email address as you or your spouse.
Upload Your ID
Please upload a clear picture of your Valid Government-issued photo ID, and if you are married, your spouse's photo ID. Any government photo ID that includes a photo is acceptable. HFLS must receive your ID copy/copies before we can close your loan.
Upload Your Bank Information
Please upload all pages of your most recent personal checking account statement. The statement should clearly show your name, address, bank name, and checking account number.

HFLS will use this information to electronically disburse your loan funds directly into your checking account and to collect monthly repayments from your account. 
Credit Report Authorization
HFLS sometimes review applicants' credit reports in order to confirm their ability to repay a loan, or for some loan programs, to confirm their eligibility for a loan. For loans that require guarantors, HFLS always reviews guarantors' credit reports to determine whether they are able to guarantee a loan.

By checking the box below, you authorize HFLS to obtain your credit report if necessary. If you ask, we will tell you if a credit report has been obtained and the name and address of the agency furnishing the report. You also authorize anyone named in this application or any credit report we obtain regarding you to verify any information provided in this application or on the credit report. 
Signature
By typing your name below, you are signing this application electronically. You agree that your electronic signature is the legal equivalent of your manual signature on this application.

Contact Information