Consumer outstanding balance increased only slightly in 2025, but rising household debt and strong bank profits triggered public backlash, leading the Bank of Israel to require Bank Hapoalim and Bank Leumi to return a portion of their profits to fund a financial relief programme. Banks continued to dominate lending despite growing non-bank competition, while BNPL solutions gained traction, particularly in e-commerce.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Israel with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Credit industry in Israel, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
The Consumer Credit in Israel report includes:
- Analysis of key supply-side and demand trends
- Detailed segmentation of international and local products
- Historic volume and value sizes, company and brand market shares
- Five year forecasts of market trends and market growth
- Robust and transparent research methodology, conducted in-country
This report answers:
- What is the market size of Consumer Credit in Israel?
- What are the major trends key to understanding Consumer Credit in Israel?
- How has COVID-19, recession and macroeconomic volatility impacted the market?
- How long will the market take to recover? What are the opportunities now?
- How will political context and shifting cultural values shape future growth?
- Where is future growth expected to be most dynamic?
Consumer Credit in Israel - Category analysis
KEY DATA FINDINGS
Financial relief programme to help consumers sinking deeper into debt
Rising household debt and strong bank profits trigger public backlash
Non-bank lenders increasingly prevalent
BNPL gaining momentum
Impact of banks’ credit relief and consumers focusing on reducing debt
Overdraft usage to rise as fees are reduced or waived
Bank of Israel to further address the imbalance in the financial sector
Consumer Lending in Israel - Industry Overview
Mortgages/housing lending remains the largest area of borrowing
KEY DATA FINDINGS
Borrowing costs remain high, placing additional strain on consumers
Lending market starts to liberalise as fintechs seek to carve out a niche
New Bank of Israel directive strikes at the heart of risky loans
Ongoing economic difficulties fuel demand for consumer loans
Depressed housing market in 2025
BNPL gaining momentum
Israel’s housing market is experiencing a structural shift
Fintechs to capture a larger share of the market
COUNTRY REPORTS DISCLAIMER
The following categories and subcategories are included:
Consumer Credit
- Auto Lending
- Card Lending
- Durables Lending
- Education Lending
- Home Lending
- Other Personal Lending
Consumer Credit
Non-mortgage consumer debt extended to individuals for personal or household use including installment loans and credit cards. Examples of consumer credit include auto lending, card lending, durables lending, education lending, home lending and other personal loans. Consumer credit includes both revolving and non-revolving credit.
See all of our definitionsWhy buy this report?
- Gain competitive intelligence about market leaders
- Track key industry trends, opportunities and threats
- Inform your marketing, brand, strategy and market development, sales and supply functions
This report originates from Passport, our Consumer Credit research and analysis database.
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