Loans may also be made for circumstances other than those listed below.  For questions about other possible loans contact MJFLA at 414-961-1500.  Each loan request will be considered on an individual basis.

  1. Basic Emergency Loans - for basic needs such as transportation, repairs to vehicles, housing (rent, deposits), childcare, and medical or dental emergencies.

  1. Catch-up Loans - to assist those who have fallen behind with monthly payments because of loss or reduction of income.

  1. Opportunity Loans - to assist individuals with costs associated with job replacement and/or training to improve their financial situation.

  1. Special Needs Loans - to assist individuals with one-time expenses related to special needs.  Examples include medical equipment, hearing aids, glasses, walkers, wheelchairs, and medical home improvements such as ramps or railings.

  1. Home Health Care Loans - to those in need of short-term home health care for themselves, their children, parents or spouses.  Examples include nursing care, in-home care providers, or companions.

  1. Camp Loans - to assist families with financing the cost of summer camp programs including day camps and overnight camps.  Maximum loan amount is $1,000.

  1. College/Post Graduate Loans - up to $3,600 for tuition, books, supplies, living expenses, etc.  For larger loans (up to $5,000) full-time students can apply for an MJFLA Educational Loan.

  1. Private/Parochial Loans - for tuition, fees, and other expenses to assist a family with the cost of private school education.


The maximum loan amount is $3,600.  The typical repayment period is 18 to 36 months based on the loan amount and at MJFLA’s discretion.  Loans will be approved at the sole discretion of the MJFLA Loan Committee.  All loan payments begin about one month after receipt of the loan.

The information on this page and in the MJFLA loan application is provided to help in the application process.  The documents are self-explanatory, but it is also recommended that each applicant contact our office prior to submitting an application.  Please carefully review all the loan documents before completing the application.  All forms are required for every loan and must be filled out completely and legibly before MFJLA can review any request for financial assistance.


  1.   STEP 1:  Review the application forms (see link below) and contact MJFLA at 414-961-1500 if you have any questions. 

  2.   STEP 2:  Submit application online, or complete by hand and fax or mail to MJFLA.  Submit co-signer Applications. Forms must be completed in full in order to be considered for a loan.  Co-signers will be contacted to confirm their understanding of their responsibility.

  3.   STEP 3: Speak with a loan coordinator.  If you meet the MJFLA basic loan criteria (see below) you will be contacted by telephone to schedule an appointment.  Bring your valid drivers license or legal identification card.

  4.   STEP 4:  The Loan Committee will review your application and you will be notified of approval or denial. 

  5.   STEP 5:  Upon approval, you will be contacted by telephone to schedule an appointment.  At your appointment, you will sign documents including a Promissory Note and your payment schedule, your co-signers will sign a Guarantee, and then the loan will be disbursed.

  6.   STEP 6: Begin making payments approximately 30-45 days after the check is issued.



  1. 1.All applicants must be at least 18 years of age, state of Wisconsin residents for at least one year prior to the application date, and must be current residents within the Greater Milwaukee area.

  2. 2.Applicants must specify the reason or purpose for the loan on the application.

  3. 3.Applicants must be gainfully employed or have verifiable means to repay the loan.

  4. 4.Applicants must provide MJFLA with qualified cosigners for each loan.

  5. 5.All cosigners should be at least 26 years of age, and must be state of Wisconsin residents for at least two years prior to the application date, be employed, have a steady source of income and a strong, established credit record.

  6. 6.Current MJFLA borrowers or cosigners may not apply for an MJFLA loan or be a cosigner to another MJFLA loan until the current loan is successfully repaid.

  7. 7.A qualified cosigner is a person who is willing and financially able to repay the loan in the event that the borrower defaults on the loan. 

  8. 8.Professionals working in the community, including but not limited to: clergy, other service agency executives, etc. may not be cosigners.  These individuals tend to have high visibility in the community, and are often requested to be cosigners of loans.  This rule, therefore, exists for their benefit and protection.

  9. 9.A family member not living in the same household may be a cosigner.

  10. 10.The applicant’s spouse cannot be a cosigner.

  11. 11.A married couple is considered to be one cosigner.

  12. 12.No person in active military service may be a cosigner.

  13. 13.MJFLA reserves the right to contact any and all cosigners at any time as they deem necessary.

  14. 14.The applicant and cosigners will each have a credit report performed via Credco.

  15. 15.A copy of a valid driver’s license or other identification must be provided by the applicant and the cosigners.

  16. 16.The Guarantee states that in the event of a default, the cosigners are liable for the loan, “jointly and severally”.  MJFLA would expect the cosigners on the note to share equally in the responsibility of repayment of the loan, however, each cosigner is liable for the full amount and, as such, could be called upon to repay the total balance due in full in the event a default occurs.

  17. 17.All information received by MJFLA is strictly confidential. MJFLA makes a reasonable effort to keep all information secure, but cannot be held responsible for loss of any information voluntarily provided to MJFLA in the application process, whether online or in person.

  18. 18.Borrowers who successfully make all payments in a timely fashion will be eligible for future loans from MJFLA.


Contact MJFLA at 414-961-1500 or email your questions to info@mjfla.org.

APPLY FOR A LOANApply_for_Loan.htmlApply_for_Loan.htmlshapeimage_3_link_0

Click here to download and print required Loan Documents or

apply online.

Click here to download and print required Loan Documents or

apply online.

APPLY FOR A LOANApply_for_Loan.htmlApply_for_Loan.htmlshapeimage_6_link_0