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:
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.