HFLA is the only interest-free lender supporting all Northeast Ohioans with a genuine need and an ability to repay. We help people overcome financial hurdles, pursue education, and contribute to the economic development of our community. In most cases, HFLA is the only source of support and makes the difference between success and failure for our clients. With over a 97% repayment rate, the funds that the community invests in HFLA are recycled again and again, solving problems for generations. And it works: over 25,000 lives have been transformed through HFLA’s loans.!