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Forum
-> Household Management
-> Finances
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amother
OP
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 Wed, Nov 15 2023, 7:31 pm
Is there such a thing?
Is there an organization who can help out with it?
We are able to pay back slowly over time. But at the moment due to some circumstances we need a large lump sum.
We don't really have family or anyone to help out.
We will not do credit cards as it's an endless pit.
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amother
Fern
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Wed, Nov 15 2023, 7:44 pm
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A zero percent credit card is an interest free loan.
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amother
Lilac
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Wed, Nov 15 2023, 7:47 pm
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You would need people to be your guarantor.
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contextual
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Wed, Nov 15 2023, 7:48 pm
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Look for a Hebrew Free Loan in your state
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amother
Birch
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Wed, Nov 15 2023, 8:11 pm
| contextual wrote: | | Look for a Hebrew Free Loan in your state |
That usually has very specific criteria.
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amother
Azalea
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Wed, Nov 15 2023, 9:01 pm
We use credit cards with zero interest rates. Usually good for 18 months and then we transfer the balance to a new one.
Do this only if you have a cheshbon of paying back or else it leads you down the slippery slope of credit card debt.
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amother
Almond
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Wed, Nov 15 2023, 9:21 pm
| amother Fern wrote: | | A zero percent credit card is an interest free loan. |
They're never interest free forever.
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amother
Fern
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Wed, Nov 15 2023, 9:29 pm
A loan isn't forever either. If you were planning on paying it back within a year or 18 months, it is interest free.
No loan is going to come without strings attached. A Gemach that is run as a community service is still going to need guarantors because it is tzedakah money and needs to be used responsibly. A gvir who gives a loan is going to want to know who you are, what you're using it for, when he's going to get it back, and proof that you can. A family member or good friend is using your relationship as collateral.
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