What Northeast Ohio counties are eligible?

Cuyahoga, Geauga, Lake, Lorain, Mahoning, Medina, Portage, and Summit are the 8 counties make up HFLA of Northeast Ohio's service area.


Do you report my loan to the credit bureaus?

Yes, we report credit for all of our borrowers to the three main credit bureaus (Equifax, Experian, and TransUnion). This enables our borrowers to build, maintain, or repair their credit with our interest-free loans. Guarantors and cosigners may opt in to our credit building program.


Can I make a donation to HFLA?

Of course you can! If you are moved by our mission and interested in helping other Northeast Ohioans, please click here.


What happens when I pay my loan off?

When your loan is paid off, you and your cosigner/guarantor(s) will receive a notification via mail. If you monitor your account online, you will also see the $0 balance reflected. You credit report will show our loan as paid and closed.


Are there penalties for paying my loan off early?

There are not! However, HFLA of Northeast Ohio encourages our borrowers to pay extra on accounts that may be charging you interest (ex: car loan, credit card) vs. our interest-free loans.


Can you debit payments from my bank account/paychecks?

While HFLA cannot currently pull funds from your account or paychecks, we do accept cash, checks, and money orders. Our loan management software also allows you to pay online via debit card, but there will be a "convenience fee" of the lesser of 2% (of the payment) or $5.


Will I receive a check from HFLA of Northeast Ohio?

All checks are written to the source of the need, not to our borrowers. HFLA can mail checks to these places, or you may pick them up to hand-deliver, when appropriate.


My loan has been approved! What happens next?

Please allow our staff a few days to get the paperwork ready for you and your cosigner/guarantor(s). We will contact you when the paperwork is ready, and determine the best way to get these documents executed (either in-person at our office, or remotely via a notary).