NextCredit · Expert credit brokers in Israel

Expert credit brokers in Israel —
the right way to finance

  • The best offers from every bank
  • Full personal guidance
  • Free assessment
★★★★★ 4.9/5 Thousands of happy clients
Free check 📞 054-321-9898
Mortgage Refinance & consolidation Auto financing Insurance Non-residents Consumer credit Business credit
Explainer video

Who we are and how it works

A short video explaining the whole journey — from your project, through comparing every bank, to getting the keys.

Start the simulator › Free eligibility check · no commitment
0years of experience
0happy clients
0in approved financing
All banksFull comparison
Our team

The team that guides you

Experienced advisors working for you with every bank — from the first assessment to signing.

Avi Hamou — Founder & CEO of NextCredit
Avi HamouFounder & CEO · Senior mortgage advisor
Daniel — Senior mortgage advisor
DanielSenior mortgage advisor
Yael — Refinance & consolidation specialist
YaelRefinance & loan consolidation specialist
Noa — Head of bank relations
NoaHead of bank relations
About us · Who we are ›
Our services

A financing solution for every stage of life

Choose the right path, a personal advisor handles the rest — from assessment to signing.

Mortgage for a first home

A tailored loan mix at an improved rate, financing up to 75% of the property value and close guidance until the keys are handed over.

Eligibility check

Mortgage refinancing

Rates changed? We review your existing loan and build a new plan that lowers your monthly payment.

Check your savings

Loan consolidation

We merge all your loans into one lower, clearer payment — cutting the monthly amount by up to 40%.

Consolidate my loans

Auto financing

A fast loan for a new or used car, with an in-principle approval in minutes and terms that fit your budget.

Finance my car

Mortgage insurance

Full peace of mind — life, structure and disability cover that protects your payments and your family.

Review my insurance

Business credit

Business financing — working capital, equipment purchase or growth funding, with terms that fit your cash flow.

Finance my business
Demo

See how the simulator works

A short video showing the whole journey — choosing the project, property type, amount and term — up to the estimated monthly payment.

Start the simulator › Free eligibility check · no commitment
Why work with us

One advisor on your side — facing every bank

As a broker we act for you with every lender in parallel and negotiate the terms.

A young couple receiving the keys to a new apartment after mortgage approval

Personal, close guidance

An advisor who guides you at every step, on your level, with no commitment.

Comparison across all banks

We approach every lender in parallel to secure the best terms for you.

Answer within 24 hours

Tailored offers at top speed, straight to you.

₪

No hidden fees

Full transparency — you know exactly what you'll pay, no surprises.

How it works

Four simple steps

1

Fill a short questionnaire

Less than a minute, no documents — from home.

2

A personal advisor calls you back

Within 24 hours, with tailored offers.

3

We compare every bank

We negotiate and pick the most advantageous offer.

4

Sign and get the keys

Close guidance until the final signature and fund release.

Rate barometer

Mortgage rates as of today

An indicative snapshot of common rate ranges by term. The actual rate is set individually.

TermAnnual rate (indicative)Index
15 years~4.1%
20 years~4.4%
25 years~4.7%
30 years~4.9%
📊 Indicative rates, updated Updated June 2026
Financial partners

We compare all the leading banks

Loan request · free

Open a financing request

Pick your project type, answer a few questions and watch the estimated monthly payment update in real time.

Open the simulator →
🔒 Your data is secure and is never shared with third parties
Explainer video

The client journey — in one click

See in brief how NextCredit's guidance takes you from wanting to buy to getting the keys.

Client reviews

Thousands of families have already saved with us

Rated 4.9/5 from over 1,280 verified reviews.

★★★★★
"We merged four loans into one payment and cut almost ₪1,500 a month. The service was human, fast and clear."
Michal L.
Michal L.Consolidation · Haifa✓ Verified client
★★★★★
"We got a mortgage on terms no bank offered us on our own. Within a week we had a winning loan mix."
Avi K.
Avi & Dana K.Mortgage · Rishon LeZion✓ Verified clients
★★★★★
"Car financing in a single day, no bureaucracy. All online, and the advisor available for every question."
Yossi M.
Yossi M.Auto financing · Beer-Sheva✓ Verified client
★★★★★
"As a young couple we were lost. At NextCredit they took us by the hand all the way to our first home."
Noa B.
Noa B.First home · Tel-Aviv✓ Verified client
★★★★★
"I had six exhausting loans. After consolidation, one reasonable payment remained — and I could finally breathe."
Ronen S.
Ronen S.Consolidation · Netanya✓ Verified client
★★★★★
"We renewed the mortgage insurance and saved hundreds of shekels a year for exactly the same cover. Thank you!"
Tal & Orit G.
Tal & Orit G.Mortgage insurance · Jerusalem✓ Verified clients
Guides

Knowledge that saves you money

Down payment

How much down payment for a first home?

The rules, the exceptions and how to prepare properly before you start.
Refinance

Is it worth refinancing your mortgage?

When to refinance, how much you can save and what to watch for.
Loan mix

A winning mortgage mix

How to balance fixed, variable and prime to fit you.
Consolidation

Loan consolidation — when does it pay off?

Turn several draining payments into one simple, low one.
All guides and the blog ›
FAQ

Everything worth knowing

Does the eligibility check cost anything?
No, and with no fine print. The eligibility check and the initial consultation are free and with no commitment on your part. We review your data, present a realistic estimate of the financing amount and expected monthly payment, and only if you choose to proceed do we move to the offers stage with the lenders. At every step, the decision stays with you.
How long does it take to get an answer?
Filling the short questionnaire takes less than a minute. A personal advisor then reviews your data and gets back to you, usually within 24 business hours, with an initial picture. Getting the final offers from the banks and comparing them usually takes a few business days, depending on the complexity of the case and the documents required.
Is my data secure?
Absolutely. All information is transmitted over encrypted (SSL) communication and stored in line with regulatory requirements and privacy law. Your details are used solely for the eligibility check and preparing the offers, and we never pass them to any third party without your explicit consent. At any time you can ask to view or delete your data.
Which lenders do you work with?
We compare for you, in parallel, all the leading banks as well as the licensed non-bank and institutional lenders in Israel. So instead of approaching one bank for one offer, you get a broad view of the market — and we leverage that competition to secure the best terms suited to your profile.
Can I refinance an existing loan or mortgage?
Yes — mortgage refinancing and loan consolidation are among our most requested services. We review the outstanding balance, the rates on the existing tracks, any early-repayment fees, and your overall commitments, then build a new plan aimed at lowering the monthly payment or shortening the term. If refinancing isn't worthwhile for you — we'll tell you honestly.
What's the difference between a broker and going directly to the bank?
When you go directly to a bank, you only get that bank's offer — and you negotiate alone. As a broker we act for you with all lenders at once, know each one's pricing policy, know where there's room to negotiate, and guide you to signing. The result: savings in time, money and paperwork — usually a gap that covers our fee several times over.

Ready to start? Free assessment

Join the thousands of clients who have already improved their terms. No commitment.

Free check 📞 054-321-9898