Loan without certificates

Internet loans are a great way to solve financial problems when you need an injection of cash in a short period of time. The formalities limited to the necessary minimum and the short waiting time for money make them enjoy increasing popularity. To apply for this type of funding, you do not need to submit income certificates. has more information

Proof of income

Proof of income

This document contains information about the source of income, the salary of the person concerned, as well as the frequency of payment. You can also find out how long the employee’s seniority is. Bank customers applying for a loan are the most frequently applying for an income certificate.

This document is one of the grounds for issuing a decision on the allocation of funding or refusal of credit, if, for example, earnings are too low. It is worth noting that banks often do not include the mandate and specific task contracts as reliable sources of income enabling timely settlement of the contracted obligation. People employed on this basis, even if they regularly receive payment, may have difficulty getting a loan from a bank. In such situations, loans without certificates will be a good alternative.

Loans without certificates – when should you use them?

Loans without certificates - when should you use them?

The possibility of obtaining funds for any purpose without the need to provide a certificate of income is a good solution primarily for those who can not receive such a document. This mainly applies to people with no stable income. In the case of loans without certificates, the only confirmation may be the declaration of the applicant about his earnings. Another reason why many people resign from a cash loan in a bank for an online loan is the shorter waiting time for a decision to grant funding. It happens that you have to wait a few days for the appropriate certificate issued in the payroll department, which in the case of people who need money is a significant impediment immediately. In such situations, a quick loan without certificates is preferable, as it allows you to receive money even within a dozen or so minutes of submitting your application.

In addition to the cases mentioned above, it is also worth using an online loan when low earnings could disqualify the applicant from granting the commitment and if he / she also has income from other sources. Then, on the declaration of earnings, it is enough to provide the sum of all monthly revenues. Even those not included in the income certificate, which can have a positive effect on the lender’s decision.

Online loan without certificates – for whom?

Online loan without certificates - for whom?

Fast cash without certificates is a beneficial solution for people who work on the basis of a mandate contract or a specific task contract and would therefore have difficulty obtaining a cash loan. This type of co-financing will also work for people who need money, but who earn their living on other income than paid work, e.g. alimony, pensions, pensions or scholarships. However, it is worth noting that the lack of the need to provide a document confirming regular income is not everything.

Loans to individual customers

Our offer is primarily loans to individuals. Among them you will find a cash loan, consolidation loan, loan without capacity or loan to pay payday loans. We encourage you to read the detailed, accessible description of individual solutions and choose the one that will be most suitable for you – we provide professional assistance in the field of loans for individual clients.

What requirements must be met to get a loan for individuals?

What requirements must be met to get a loan for individuals?

Loans to individual customers are among the most popular banking products. What is a loan for individuals, also called a loan for individuals, does not need to be explained to anyone. The bank provides us with a specific amount of money, which we undertake to give back within the prescribed period – plus commission and interest. Before a bank pays us money, it must become familiar with a number of information about us, the assessment of which will be decisive for the amount of the loan, amount of commission, length of the loan period, interest rate and scope and type of security for such liability. This information mainly concerns:

  • our income and sources of financing – the place of work and the type of contract with the employer (fixed-term or indefinite employment contract, civil-law contract, i.e. contract for specific work and commission contract, contract, own business activity or income from a farm, rental or lease); as well as seniority, education and the position / function we hold
  • the amount of our income over a specific period of time (documented e.g. by bank statement, certificate issued and authenticated by the employer, or annual tax liability)
  • living costs and the number of dependents – including, first of all, expenses for monthly payments (rent, water, electricity, gas, fees for internet and cable television, health subscriptions, etc.), food, fuel and / or commuting / schools, tuition for kindergarten, school or university, as well as maintenance
  • credit obligations – information on the amount and time remaining for housing loans and mortgages, loans taken, including cash loans, car loans, overdraft facilities, revolving loans, credit cards, installment loans, payday loans and other, affecting our credit standing

What can you use the loan for individuals?

What can you use the loan for individuals?

Funding options from individual loans are basically unlimited. In most cases, the funds raised can be used for any purpose we choose. Of course, the most flexible in this case is a cash loan, which will finance both the purchase of a car and an exotic holiday or dream wedding. The installment loan will help us buy the dream equipment – it is worth noting that in recent years the scope of financing available thanks to installment loans has increased significantly.

Today, in installments, we can buy not only a fridge, washing machine or computer, but also a purse, shoes, as well as expensive medical treatments. A loan for the purchase of a car will allow us to enjoy the comfort of a new car on terms usually slightly more favorable than the “general” cash loan, although it must be remembered that it requires more formalities. Consolidation loans are also extremely popular, thanks to which you can pay off other, earlier liabilities – and thanks to their combination in one bank you can enjoy a single, lower installment. Another type of consolidation loan is payday loan, which works in the same way: we transfer liabilities to one institution that repays our debts and proposes one, consolidated, lower installment.

What is the procedure for obtaining a loan?

What is the procedure for obtaining a loan?

Our activities are aimed at matching the loan to the client’s profile. The offer for individual clients gives the opportunity to obtain cash for achieving various goals. When selecting the best loan, we are guided by the customer’s situation – during the first telephone conversation we conduct an interview, which allows us to pre-determine which of the available loan options will be the best. We focus on mutual trust – it allows for efficient assessment of the situation and finding the optimal solution, while initial data verification helps us in choosing the best strategy. The information we require is:

  • expected loan amount
  • type of loan
  • current credit obligations (amounts and names of banks that support them)
  • payday payables
  • source of income and their amount
  • marital status, age, place of residence
  • possibility of obtaining a surety (or other form of loan collateral)

The next phase is mediation in negotiations between the client and the bank. We work only with trusted employees of banking institutions, whose database we have created since the beginning of our business. We have the opportunity to obtain information on the likelihood of a customer receiving a credit offer at individual banks before submitting the application. Importantly, we do not send unnecessary inquiries on behalf of our clients – blindfold activities are visible in credit checker and may cause the inability to obtain a loan from any bank. The documents necessary to submit a loan application are available on our website.

Credit increase: Extend existing credit or reschedule?

Additional financial resources are often required after borrowing, for example due to unpredictable repair costs for the car. A credit increase would then be appropriate for this. In some cases it is also a good idea to consider debt restructuring. If you find that you get better conditions from a provider, you save a lot of money. However, there are a few points to consider if you want to top up a loan.


Credit increase or debt restructuring – which variant is the better one?

Credit increase or debt restructuring - which variant is the better one?

If you want a loan, you should consider that there must be a time lag between the old loan and the new loan. The interval should be at least six months. In addition to predictability, banks also rely on reliability. If the customer asks for a loan again after a short time, banks ask themselves some questions. Why does the borrower need money again when he has just received a loan? For the bank, this can be an indication that financial solidarity is lacking. Anyone who inquires about a credit increase after the six months has a better chance of being approved.


Requirements for another loan

Requirements for another loan

  • The income must be right

If the income has not increased during the last credit request, the creditworthiness must be checked again. After deducting all costs, income must provide sufficient financial scope. The monthly charge should not increase too much with an increased credit rate. The credit rate can then possibly be adjusted with an extended term. This, however, makes the loan more expensive, but reduces the monthly charge.

  • The creditworthiness is checked

If a credit increase is desired, a new condition or credit request is made to the lending bank. In order for it to be successful, the credit rating should not have deteriorated. For the borrower, this means, in addition to the sufficient income, a clean Schufa, the bills should always be paid on time and thereby avoid that amounts are attached to the account. Payments to a collection agency, which can be seen from the account statements, also have a negative effect. Borrowers who have their finances under control and are a “good debtor” have the best chances. Borrowers should know that good creditworthiness is good terms when it comes to top up credit.


Debt new loan or existing loan?

Debt new loan or existing loan?

Instead of increasing a loan, borrowers have the option of taking out a completely new loan and rescheduling the old loan. Borrowers should focus on this process when the new loan brings better interest. This allows borrowers to save several hundred or thousands of euros. If you are still paying an old loan, you should find out about a cheaper interest rate. If the term is then adjusted to the financial situation, borrowers often get more money on a loan, which gives them greater financial scope every month. Before borrowers choose a lender, a loan comparison should be made first. This enables the borrower to determine exactly how much savings will result from increasing the loan.

Investment loan for small and new companies

At the end of 2017, over three million sole proprietorships were registered in the country. This is an absolute record in the history of the country. In addition, interest in running your own business is still huge – there are about 20,000 new companies on average every month! People are becoming more enterprising and more boldly quit their full-time job. Some professional careers start immediately from starting their own business.

However, it cannot be denied that running a business is a big challenge. We cannot expect regular payments here every month, but we have to rely on the solvency and timeliness of our contractors, with whom it is known that it is very different. However, we know that a company should not stand still, but constantly develop. We may have a head full of ideas, plans for great and reliable investments, but we will not be able to do anything without them.

Company development is usually expensive because it involves the purchase of new equipment or technologies, expanding the company space, implementing new activities, or even employing more employees. Fortunately, there are solutions that make investing in the business possible, even if it is small and exists on the market for a short time. An investment loan for small and new businesses should help.

Investment loan for new companies

Investment loan for new companies

Obtaining financing for companies operating on the market for a short time is difficult but possible. Unfortunately, banks are wary of less experienced entrepreneurs, which is also caused by the fact that the amount of outstanding bank loans is still growing. Therefore, before granting a positive decision, analysts will ask for a number of documents that will prove our credibility and ability to repay the commitment. We must remember first of all that each bank has its own procedures for analyzing loan applications and the type of documents required may be different.

Certainly, we must present those that confirm the existence of our company for a certain time, e.g. an entry in the business register. It may be necessary to confirm the income tax transfer for the months in which the company operates or the entrepreneur’s declaration that he did not have to transfer such tax due to too low income. Here we come to a very important moment of applying for an investment loan for small and new companies , i.e. the amount of income. Some entrepreneurs intentionally overstate the costs of doing business to avoid paying income tax. Remember, however, that it can take revenge quickly when applying for a loan. The bank will refuse to grant it if it finds that a company that has been showing only a loss for months does not deserve to be credible.

These documents, which may be useful to us, will also include certificates from the Social Insurance Institution and the Tax Office regarding non-arrears with contributions and taxes. The bank may also request a statement from the company account and a summary of the revenue and expense ledger and, optionally and depending on the industry in which we operate or the legal personality of our business, other documents.

Investment loan for small businesses

Investment loan for small businesses

There is no doubt that sole proprietorships constitute the largest percentage among all companies. Therefore, it would be unwise for banks to completely limit small entrepreneurs in obtaining credit products – they constitute a huge number of customers. Therefore, an investment loan for small businesses is also possible. In this case, we should start by preparing a good business plan. Our investment ideas should be attractive to the bank and prove that thanks to them the company will grow and be more solvent.

In addition to the business plan, you will need a complete set of financial documents for the company, bank statements and official certificates of timely payment of contributions . An investment loan for small companies will be difficult to obtain for those entities that delayed payment of installments of liabilities or failed to pay contributions and taxes. We will receive a detailed list of necessary documents in the bank before submitting the loan application. We usually have at least seven days to deliver them.

Overdraft card – what is it? What is an overdraft credit card?

All-natural and legal persons, the bank account, can optionally issue a loan in the form of overdrafts. The word “credit” is understandable even for a student today, but not everyone knows what it means for an overdraft account and why it cannot be called a credit.

Why open overdrafts?

Why open overdrafts?

If you need to close a gap in your sales revenue, it is possible not to give a bank loan with high-interest rates, but an overdraft. Suppose you have a bank account and use it not only for profit but also to deduct certain amounts from the customer. At some point, the required amount was not in the account and you have to transfer money as soon as possible.

The money in your account should be received in one day, but the customer cannot wait. In order to transfer money urgently to the customer, an overdraft card is used. This type of loan should not be confused with a loan or other financial transactions. When registering, a certain type of card is issued – overdraft credit.

Examples and specific numbers


To clarify the term ” overdraft card” what is it, here is a concrete example with numbers that you can use to understand how this type of loan works.

In the morning on the balance of the entrepreneur 10,000 USD. On that day, he goes to the bank and signs an agreement to open an overdraft limit of 1,000,000 USD. The entrepreneur gives the bank an order worth 100,000 USD on the paper backing.

The bank transfers the required money to the counterparty, including through an overdraft facility. It turns out that an overdraft company owes the bank 90,000 USD, but he still has 910,000 USD in limit that he can use if necessary. 

Suppose the next day in the account, the entrepreneur receives an amount of 120,000 (for example, the counterparty transferred the money). The overdraft is repaid and the free limit of funds that an entrepreneur can use is restored. It turns out that the next day the amount of 1,000,000 USD is available to him again. Here’s a hand-painted example that shows the essence of what an overdraft card is.

For what purposes can you spend the money limit issued by the bank?


Almost every bank has control over the cash it lends to a legal or natural person. If the borrower has his own business, overdrafts are used to pay bills, pay wages, taxes, advance payments for work, pay off loans and so on.

The bank will not allow you to use the cash limit if you forget to pay taxes or credits and a penalty has already been paid. If the borrower has such a case, the bank will not even allow him to purchase long-term assets through overdrafts.

Force majeure or overdraft


It is impossible to predict what will happen tomorrow, go business. If you haven’t calculated your options and the required amount of money has not been deposited into your bank account, this is not the worst, provided the bank credit limit has not been affected. Overdraft Card – What About Bank Debt?

If you still use this loan view and the money has not arrived in the bank before the date agreed in the agreement, payment can be made in cash to the bank. If the borrower has a second account that is constantly receiving money, you can transfer it to the account that has an overdraft. All transactions take place within one working day.

When signing the contract, you should be clear The date by which funds must be paid is indicated. This is usually the 30th day after the credit limit is opened. Some banks ask you to pay the debt by the 20th of each month regardless of when the limit was opened.

Under what conditions can I open an overdraft card?


Applying for a bank loan to a borrower Often you need to have a number of certificates and documents that confirm your solvency. If a large amount of money is needed, the guarantors can also ask. Fine Bank Visa Classic overdraft card provided without collateral property. It is sufficient if the bank shows your monthly cash receipts in the account. Based on the number of bar revolutions, it is decided how much to overdraw. It cannot be ruled out that the creditor will ask for guarantors. This can be the company’s general manager, the owner, the co-owner, and others related to your type of activity.

Who can be denied cash?

Overdraft card – what is it, is it given to everyone? It seems that if there is an account that regularly receives a certain amount of money, why should the bank refuse to issue an overdraft loan? It turns out that using an account is not enough, but you must have a positive credit history.

Before making a decision, the bank does not check an applicant, but the entire company. If he has the impression that it will be liquidated or generate no income in a few months, the loan will most likely be declined. In addition, at least three months of sales should be in the applicant’s bank account.

 Although the last time every bank called was right from your point of view. There are cases like this: An important customer applied for a bank overdraft facility that had recently opened an account with this bank but has had accounts with other financial organizations for many years.

The bank can apply to those organizations that generate customer money sales and make a decision about the credit limit based on this information. When considering an application, they are interested not only in the monthly amount credited to the account but also in how often the money is in circulation.

Term of the overdraft agreement


If the borrower’s result is positive, a contract is concluded for 180 days or longer. The account amount must be replenished every 30 days to cover the overdraft debt. Upon full repayment of the liabilities to the bank, the borrower has the right to terminate the contract. It is also allowed to make a new agreement after 180 days.

The interest for such an agreement was always lower than for a bank loan. The conditions for providing overdrafts are far more loyal, as interest in using funds only applies to the balance of the debt at the end of the working day. 

In the event of default, the bank has the right to get your money in the shortest possible time, and if you have such a situation, you are guaranteed a blacklist and poor creditworthiness. Current account credits are granted to a borrower and a bank in one currency.

Best loan


Overdraft card – what is it for the borrower: benefit or debt gap? Often, a person cannot plan their expenses, and when they get a salary, they start buying a lot of unnecessary things. At the last moment, he remembers that the most important thing was not acquired and that not all payments were made on time. You can ask relatives and friends for help, but not everyone has friends who can freely lend the required amount of money for several weeks.

Not everyone likes to borrow money. Many are based on the following principle: If you want someone to leave your life, borrow their money. Why test the theory in practice, it is better to simply deny the debt, citing difficult financial times. Why take a detour when you can borrow from the bank for the same weeks and even at low-interest rates?

Overdrafts as a type of loan

What does an overdraft card mean? This sentence from English translates as a “super account”. Worldwide, this service is gaining popularity every year, not only among business people but also among the normal working class. You can independently calculate what limit the bank can open for you if the application is approved.

The overdraft amount must not exceed the average salary of the applicant for three months. If the contributions are regular in nature, the customer can withdraw money from the account until the contract expires.

Alternatives to the classic annuity loan

Anyone who wants to or has to finance a property now faces a dilemma: on the one hand, the lending rates are low, on the other hand, the lenders hardly pass on the favorable interest rates on long-term mortgages to borrowers. Therefore, prospective borrowers should look for financing alternatives that enable cheap lending rates.

Reference rate bank loan

Euribor loan

The Reference rate bank loan is linked to the interest rate of the Agree bank. This does not mean that the same conditions apply, the interest rate is currently around one percent higher, but the interest rate curve adapts to the Reference rate bank loan interest rates. The interest rate is changed every three months. In this respect, this loan is also a variable loan.

However, since a variable loan will become too expensive for the majority of borrowers in the long term – especially if the interest rate rises – numerous lenders also offer a switch to a fixed-interest loan at the same time. The combination of Reference rate bank loan and fixed-rate loans is also known as a flex loan. This form of loan offers customers many advantages: on the one hand, they can switch from the variable loan to the fixed interest rate when interest rates rise again, and on the other hand, the other conditions are also borrower-friendly.

This means that special repayments can be made at each end of the interest rate section without having to pay a prepayment penalty. If you expect larger sums of money, for example from inheritances or severance payments, you have the prospect of repaying the loan in full within one year without having to pay prepayment penalties or interest premiums.

The Flex or Reference rate bank loan requires some market knowledge from the borrower. The interest rate market must be constantly monitored, otherwise there is a risk of missing a good time to jump into the fixed-interest loan.

Good lender loan

Cap loan

The Good lender loan is actually nothing more than a (variable) Reference rate bank loan, but there are some essential differences: it is a loan with an interest rate cap. In the contract, for example, an upper limit is set up to which the loan interest can rise. This interest barrier works when the interest rates of the Agree bank rise above the previously defined upper limit. In addition, the contract has a term of up to 15 years.

That means: a Good lender loan is nothing more than a tamed, variable loan. However, you do not get the interest rate limit as a gift, a small premium over a variable loan is due, the so-called cap premium, which is added to the loan interest. High special repayments are possible during the term. This product is interesting for those who want to secure the low building rates but do not want to keep an eye on their financing in order to always benefit from the best possible rates. Of course, it is also possible to combine a flex loan with a cap.



Both types of credit are currently useful. If you don’t want to expose yourself to any interest rate risk, you should definitely choose the cap variant. There is a little bit of bitterness: Usually the credit expectations of the lenders are higher than with a classic annuity loan. Both forms of financing offer particularly low interest rates and high special repayments are also conceivable.

Non-bank loans – what is it?


The loan does not have to be taken out of the bank. Non-bank loans are also very popular. Currently, Fine Bank are a much safer place to take out a loan, if only because of the stricter regulations that regulate their activities.

What are non-bank loans?

What are non-bank loans?

This term means any loans that are not granted by banks, but loan companies, for both short and long term. Usually these are smaller amounts, however, some Fine Bank allow to incur liabilities of several dozen or even several hundred dollars.

In opposition to loans granted by banks, liabilities from loan companies are more accessible. They also often do not require any documents to be provided, e.g. a workplace certificate. The loan is granted on the basis of a contract concluded between the borrower (a natural person) and the lender, i.e. a financial institution. This document is governed by art. 720 of the Civil Code.

Types and characteristics of non-bank loans

Types and characteristics of non-bank loans

  • Short-term loans payday loans – by far the most popular type of non-bank loan. The repayment is usually made within 60 days, and the sum ranges from 200 to about 3000 USD. Also available are mini-payday loans that can be taken online and their amount usually does not exceed 1000 USD. The entire process of granting payday loans online often takes just 15 minutes. To get it, all you need is your ID card, phone number, email and bank account. Poor creditworthiness is not an obstacle to this type of loan. An example is payday loans without BIK.
  • Installment loan – an ideal solution for people who need more cash, even up to tens of thousands of dollars. Usually it is granted for a period of 10 to 24 months, up to a maximum of 48 months. Repaid in monthly installments. These types of loans can be structured to be a suitable solution for indebted people. The larger sum of the liability allows repayment of the expired loan, and the extended – compared to payday loans – repayment time, allows the refund within the agreed period.
  • Mortgage loan – this is a liability incurred against a specific property. It can be a built-up plot, a single-family house or a flat. This property will be a collateral for the liability, so it can be used as usual for the time of repayment. In the absence of repayment, it becomes the property of the loan company.
  • Lombard loan – this is a liability contracted against movable property, e.g. watch, electronics, jewelry. It is granted for a short period of time, usually 30 days. At the time of the pledge, the pawnshop is obliged to keep the received item in appropriate conditions, so that after the deadline it can return intact to its owner.
  • Social loan – the contract is concluded between private persons, without the intermediary of non-banking institutions. Special social platforms play this role, bringing together people in need of loans with people who are willing to make such a commitment. These types of websites provide appropriate tools that enable and facilitate such a transaction, and help recover funds in the event of non-repayment.

Non-bank loans granted via the internet can only be taken by adults. Some financial institutions set their own age limits. Usually the borrower is required to be at least 20 years old.

Differences between a loan and a non-bank loan

Differences between a loan and a non-bank loan

A non-bank installment loan can be compared in several respects to a loan, namely in the amount and repayment date. However, the inference process is different in both cases. An installment non-bank loan can be taken without meeting strict requirements. You also do not need to fill in complicated formal documents and specify the purpose for which you intend to use the money borrowed.

To make a commitment at the bank, the institution assesses the creditworthiness and creditworthiness of the person applying for the loan. The first one is assessed taking into account the amount of income, costs of monthly maintenance as well as education and occupation. To determine credibility, credit history is taken into account. In addition, the applicant must have an ID card and home address in Poland.

As for the liabilities granted by non-bank institutions, usually a valid ID card, having a source of income and address of residence in Poland are sufficient. Depending on the loan company, your credit history is checked or not.

Loans taken out of non-bank institutions without many formalities are a sure guarantee in the event of sudden and unforeseen expenses. Before choosing a loan company, it is worth getting a handful of information about this institution and checking the reviews, as well as carefully read the terms of the contract.

Securing interest with forward loans


The fixed interest period runs for a few more years, but the current interest rates are very cheap and lower than the current loan interest rate. Secure the interest with a forward loan, this is possible even before the fixed interest period expires. Many banks offer such forward loans up to 5 years before the fixed interest period expires.

Secure interest with forward loans

Secure interest with forward loans

You can save a lot of money with the forward loan.

Forward loan: how it works

  • You are already applying for the loan for follow-up financing (forward loan)
  • In this way, you secure the current interest rate for follow-up financing
  • The forward loan is paid out when the fixed interest period expires. As a rule, the existing loan is repaid
  • The new fixed interest rate begins from the time the forward loan is paid out. Only then does the monthly payment in installments begin

Advantages of the forward loan

  • You secure the current interest rate level, the risk of rising interest rates will be eliminated in the future
  • There is no prepayment penalty for early loan repayment
  • You get planning security for the future, because the rate and the future interest rate are already fixed today

What is important?

What is important?

The following peculiarity applies when setting the interest rate for the forward loan.

  • In addition to the current interest rate, a small interest premium is taken into account for each month
  • The interest rate is therefore slightly above the current interest rate. The shorter the time until the loan is paid out, the lower the interest premium
  • If interest rates fall later, they have to accept the forward loan.
  • The forward loan is very advantageous in periods of low interest rates

Application process for the forward loan

Application process for the forward loan

In order to secure the interest with a forward loan, the application for the forward loan is made to a bank. If it is replaced by a third-party bank, cheaper interest offers may be the case.

Independent credit brokers in particular can offer the cheapest offer from a variety of banks.

The process is as follows:

  • Applying for a forward loan
  • Credit check by the bank
  • Agreement on future interest and monthly installments
  • Definition of the new fixed interest period
  • Payment of the forward loan upon expiry of the fixed interest rate on the existing loan.

Securing interest with a forward loan is the advantage of a forward loan. You can save interest and have planning security.