When a financial barrier affects your ability to maintain steady employment, housing, or transportation, removing that obstacle can be life-changing. Our Hand Up Loan program helps individuals and families in San Diego County access interest-free loans, so they can advance toward a more secure and financially independent future.
“While I was deployed, my wife’s car broke down. In San Diego, you need a car and she needed to repair it quickly to get to work and drive our kids to school. This loan was a lifesaver—we were able to fix the car without risking my wife’s job or disrupting our kid’s activities.”
We prioritize requests that signal a clear step toward long-term stability, and we work with applicants on budgeting and credit counseling to ensure they can stay on top of their repayment plan. Applicants agree to a maximum repayment term of 36 months and are encouraged to make monthly ACH (automatic electronic) payments.
The types of loans we typically can support include:
Applying for a loan is completely confidential. Start the process by submitting a pre-application form, below. Our staff will go over your application to ensure eligibility and contact you with next steps. In the meantime, we’re here to answer your questions and help you get started.
We’re committed to providing individually tailored services to help individuals and families overcome diverse challenges and build momentum around their unique aspirations.
JFS empowers credit-challenged parents by providing low-interest financing for a reliable car and financial education to build a secure future.
JFS’s award-winning Positive Parenting Program® (PPP) utilizes one of the most effective parenting curriculums to empower parents to build better relationships with their kids.