{"id":43062,"date":"2024-08-02T09:16:48","date_gmt":"2024-08-02T06:16:48","guid":{"rendered":"https:\/\/john-auto.com\/financement"},"modified":"2026-10-26T17:42:49","modified_gmt":"2026-10-26T14:42:49","slug":"car-financing-israel","status":"publish","type":"page","link":"https:\/\/john-auto.com\/en\/car-financing-israel","title":{"rendered":"Financing"},"content":{"rendered":"\t\t
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Finance your new car in Israel without getting lost in Hebrew.<\/h1>\n\t\t\t\t\t

John Auto looks at your situation, presents your application to its partner banks and explains each offer to you in English: total price, term, rate and real cost of the loan. You choose knowing exactly what you are signing.<\/p>\n\t\t

\n \t\t\t\n\tRequest a financing review\n<\/a>\n\t\t\t\t\t\n\tMessage us on WhatsApp\n<\/a>\n\t\t\n<\/div>\n\t\t\t

5\/5 on Google, more than 500 olim helped over 12 years.<\/p>\n\t\t\n<\/div>\n\t\t\t\"Un\t\t\n<\/section>\n

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Your situation decides the formula.<\/h2>\n\t\t\t\t\t

Four ways to finance a new car in Israel. Start with the one that fits you.<\/p>\n\t\t\n<\/div>\n

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You want to own the car from day one<\/p>\n\t\t

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Car loan<\/p>\n\t\t\t\t\t

You borrow from a partner bank and repay every month; the car is in your name.<\/p>\n\t\t\n<\/div>\n\n<\/a>\n\n \t\t\t

You would rather pay less each month and change cars often<\/p>\n\t\t

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Leasing<\/p>\n\t\t\t\t\t

Operating, financial or private: we compare the formulas and what they mean for the olim benefit.<\/p>\n\t\t\n<\/div>\n\n<\/a>\n\n \t\t\t

You have just arrived and are still paid in France<\/p>\n\t\t

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Loan with no credit history<\/p>\n\t\t\t\t\t

Some of our partner banks assess your application on your French income.<\/p>\n\t\t\n<\/div>\n\n<\/a>\n\n \t\t\t

You already have a car to sell<\/p>\n\t\t

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Trade-in<\/p>\n\t\t\t\t\t

Our partner takes your car: the remaining loan is paid off and the rest becomes your down payment.<\/p>\n\t\t\n<\/div>\n\n<\/a>\n\n<\/div>\n\t\t\t

Oleh hadash? The olim benefit can be combined with a loan or a lease, as long as the car is in your name. See the rules of the benefit<\/a>.<\/p>\n\t\t\n<\/section>\n

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A loan offer should be read line by line.<\/h2>\n\t\t\t\t\t

In Israel, the lender must give you a written contract before you sign, showing the annual rate, the real cost of the loan and the repayment schedule, and give you time to read it. Here is the example shown on our car pages, broken down.<\/p>\n\t\t\t\t\t

Be wary of a monthly payment quoted on its own: a down payment or a large final payment may be hiding behind it. We give you every line, for every offer.<\/p>\n\t\t\n<\/div>\n

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Example: a car at \u20aa243,990<\/p>\n\t\t

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Down payment<\/p>\n\t\t\t\t\t

0 \u20aa<\/p>\n\t\t\n<\/div>\n

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Term<\/p>\n\t\t\t\t\t

99 months<\/p>\n\t\t\n<\/div>\n

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Fixed annual rate<\/p>\n\t\t\t\t\t

4,13 %<\/p>\n\t\t\n<\/div>\n

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Final payment<\/p>\n\t\t\t\t\t

0 \u20aa<\/p>\n\t\t\n<\/div>\n

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Monthly payment<\/p>\n\t\t\t\t\t

2 912 \u20aa<\/p>\n\t\t\n<\/div>\n

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Total repaid<\/p>\n\t\t\t\t\t

288 328 \u20aa<\/p>\n\t\t\n<\/div>\n

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Total cost of the loan<\/p>\n\t\t\t\t\t

44 338 \u20aa<\/p>\n\t\t\n<\/div>\n\t\t\t

Excluding application fees. Subject to approval of your application by the bank. Legal cap on the real cost of a loan: 18.25% a year since 1 September 2026 (Bank of Israel rate plus 15 points).<\/p>\n\t\t\n<\/div>\n\n<\/section>\n

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Request your financing review.<\/h2>\n\t\t\t\t\t

A few questions about the amount, your income and your situation: an English-speaking adviser calls you back with the possible solutions and their terms, before any commitment.<\/p>\n\t\t\t\t\t\"Remise\t\t\n<\/div>\n

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