JFLC loans have been used for…
…a financial buffer.
“As a medical resident, I work long hours and am paid very little. Recently, my financial situation changed when a long term relationship ended. Suddenly, I am in a position where I cannot afford the apartment that I'm living in all before I'm having to put down thousands of dollars for my licensing exams and permanent medical license. Unfortunately, all these upcoming expenses prevent me from paying for basic living necessities like food or money for transportation. Having a little buffer with the JFLC loan takes a huge burden off my shoulders. Being able to come home after a long day of taking care of patients and knowing that I have enough money to buy groceries is beyond huge. I found the experience to be really easy and non-judgemental. The JFLC team listened to me and helped me come up with a repayment plan that worked for my particular situation.”
…housing assistance.
“I plan to use the loan to catch up on rent payments so housing insecurity doesn't impact me in searching for job opportunities. I also plan to use it to pay back a predatory loan so that money no longer depletes my account weekly. Receiving this assistance has already made me feel lighter and less anxious so I can focus on sustainability and income growth this year as an entrepreneur, and I no longer have to ask my family for help so they are relieved as well. I would 1000% recommend, and commend the work you are doing to bring relief to hard working people who got caught in a system not meant to serve them. The process was easy and quick and the meeting was very affirming.”
…paying off high-interest loans.
“I cannot say enough AMAZING things about JFLC! Leah was incredible. The team I met with was so understanding, non-judgmental, and helped me so very much. I cannot tell you how incredibly grateful I am. I used the funds to pay off two very high interest payday loans that were costing me an enormous amount of money each month. I just want to say thank you from the bottom of my heart. In a world where there is so much negativity these days, it has truly been such a life-changing experience being able to have had this granted to me.”
“I paid off high interest credit card debt which accumulated following a flood in my home last year. The loan is allowing me to stabilize my family finances within 2 years instead of approximately 5 years. The process was easy. I did not feel shamed or judged for having debt. The funds were direct deposited so I could allocate them to the intended vendors myself. This allowed me to maintain privacy and to retain a sense of autonomy. This service did not feel like charity but rather like accessing financial equity that is often reserved for wealthy individuals.”
…day-to-day essentials.
“I am using the loan to cover many general living expenses such as groceries, utility bills, car payment & auto insurance, medication prescriptions, co-pay for mental health appointments for family members, etc. The impact on me and my family is absolutely huge and positive as I have a few months of "breathing room" to cover basic living expenses while I continue job searching. I would highly recommend JFLC as it has been incredibly helpful during this financial hardship situation for me and my family. The loan process has been seamless, smooth, and efficient, with excellent and timely responsiveness, communication, and support from Leah. I can't thank Leah and JFLC enough for the loan!”
“Me parece una buena solución para ayudar a uno con nuestras necesidades. Lo usaré para pagar la renta y los biles de la luz, el gas y el teléfono. Me gusta que puedan ayudar a uno cuando más lo necesita.”