Emergency loan program for federal workers

While the government is temporarily re-opened, The City will move forward a plan to offer no-interest loans to federal employees forced to go without pay in future shutdowns.


Mayor London N. Breed and Treasurer José Cisneros announced a program to assist federal employees who are currently furloughed or working without pay due to the federal government shutdown. The program will be available to affected employees who reside in San Francisco or work at San Francisco International Airport (SFO).

What is it? A one-time interest-free loan of $1000 - $6000. The loan must be repaid within 60 days of the conclusion of the shutdown.

Who is eligible? Federal employees currently furloughed or working without pay due to the federal shutdown who are San Francisco residents or work at San Francisco International Airport.

How do you apply? An online application will be available on this website as soon as an authorizing ordinance is approved by the Board of Supervisors. The online application will prompt employees to upload proof of residency, federal employment status, furlough status, and other loan requirements. Once an application is submitted, applicants will make an appointment to be screened at either City Hall or SFO. 

Why is the City doing this?  There are approximately 3,300 federal employees living in San Francisco or working at SFO who have missed two paychecks due to the federal shutdown. For many workers, the impact of a missed paycheck is felt immediately. Most Americans do not have $500 saved to cover emergency expenses, and when people experience shocks to income, they often turn to predatory financial options such as increasing credit card debt, delaying payment of bills, or pay day loans. The City’s zero-interest loan program will help families weather the shock without causing long-term financial damage. 

What if I don’t meet the loan criteria? The City’s financial coaching partner will offer free one-on-one credit counseling for any workers impacted by the federal shutdown. Call BALANCE today at 1-866-520-0921 and speak to a Certified Credit Counselor to find safe options to resolve any negative impacts of the shutdown on your finances.

How is the City doing this? The Board of Supervisors must approve an ordinance to authorize City to borrow and expend funds for loan program. The Treasurer will then secure a line of credit for $20,000,000. The Treasurer's Office will manage an online loan application process and in-person processing at City Hall and SFO.