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Fire and Emergency Medical Services Loan Program

The General Assembly established the Fire and Emergency Medical Services Loan Fund Law with Act 91 of 2020, as amended. The Fire and Emergency Medical Services Loan Program (FEMSLP) provides loans at a fixed 2% interest rate to fire and Emergency Medical Services (EMS) companies for the acquisition, rehabilitation, or improvement of apparatus, facilities, and equipment.

Since its inception, the program has approved more than $587 million in loans for the commonwealth’s volunteer emergency services community.

FEMSLP provides low-interest loans to fire and EMS companies for the purpose of purchasing and modernizing apparatus, facilities, and equipment. Forms and informational materials are available to interested organizations.

OSFC staff provides technical assistance and regulatory guidance to applicants; receives, analyzes and approves loan applications; supplies loan closing services; maintains financial and historical files and services all accounts until they are closed.

Loans are made for the following purposes:

  • Apparatus: to purchase new, or to repair/rehabilitate apparatus that no longer meets NFPA standards and to bring it into such compliance
  • Facility: to construct or modernize those portions which house apparatus or purchase a used facility
  • Equipment: to purchase accessory, communications, or protective equipment

More information: