The Israel Free Loan Association - IFLA
"Better than charity" - Maimonides

Loans

Loans are currently provided to low and middle income persons who can show proof of a minimum monthly income of NIS 3,000 (about $730 per month) and not in excess of NIS 13,000 net monthly family income. Guarantors with a net monthly income of at least NIS 3,000 for at least 12 months are required. A mutually acceptable monthly repayment schedule is worked out in advance with each borrower.

The following is needed to submit an application:

  1. Copy of I.D. document for the borrower and wife/ husband.
  2. Proof of employment/income- salary slip or other document. For self-employed, a CPA letter attesting to net income for the past twelve months.
  3. Bank account information- name of bank, branch, account number.
  4. Guarantors – fill out information requested on our application form.

Loan Categories

The following is a list of the loan categories available to immigrants and other needy Israelis at the Israel Free Loan Association:
Category
Maximum
Details
(Hebrew)
Form
(Hebrew)
1
Victims of economic or security situation
NIS 13,500
2
New immigrants during first ten years in Israel
NIS 13,500
3
Ethiopian immigrants moving from temporary to
permanent housing or refurbishing
NIS 13,500
4
Small businesses that suffered from economy situation
NIS 45,000
5
Opening or development of small businesses
NIS 67,500
6
Victims of terrorist attacks and their family members
NIS 13,500
7
Single parent families
NIS 13,500
8
Adoption of foreign child through recognized agency
NIS 22,500
9
Students from recognized universities
NIS 13,500
10
Students from colleges
NIS 13,500
11
Families raising handicapped child, or families caring for handicapped receiving state support
NIS 22,500
12
Families caring for four and more children
NIS 13,500
13
Young couples
NIS 22,500
14
Non-profit organizations for health or welfare
NIS 22,500
15
Residents of Hatsor, Rosh Pina and the Galil
NIS 13,500
16
Emergency situations - by special consideration of the
committee for approving loans
NIS 13,500