Is it worth having a credit card

A credit card allows you to take a quick loan. However, when choosing a card, you must take into account the additional fees and costs of unpaid debt. You always have to take into account the fee for using the card itself and additional fees related to e.g. its insurance. The credit card can be chosen from almost all banks in Poland. The advantage of having a bank account to get a credit card is that you can even have several cards.

This advantage also comes with some dangers


With more credit, it is easier to succumb to shopping temptations and you can imperceptibly fall into the debt loop. Especially since banks do not require cardholders to repay their entire debt. So you can only pay the minimum amount you pay, usually three to five percent, and split the rest into installments.

The interest rate on cards, although more and more attractive, is generally much higher than the interest rate on a loan, e.g. in ROR or even a cash loan. This means that the monthly repayment of the card in the minimum amount is intended only for debt service and the capital part remains almost intact. Purchases made in this way can be extremely expensive.

When deciding on a credit card, you should consider whether it will be used only for cashless payments and the debt will be repaid in full after the expiry of the interest-free period, or whether it will be used to take out a loan for a longer period, and the debt will be repaid in installments.

The most important parameters


Are the annual cost of using the card and the length of the interest period. In the second one, the card’s interest rate will also be of great importance. You may also want to, for example, collect cash from your credit card during holiday trips. Then, when choosing a card, it’s worth checking the amount of commission charged by the bank for taking money from an ATM – and these can reach up to several dozen dollars!

To sum up – it is definitely worth having a credit card – at least due to the fact that its proper handling will allow us to build a good credit history! However, it is important that reasonable use of the card will allow us to use interest-free credit for our payments even for a period of almost two months!

Loans for monthly installments online – check how to take

If you need money, you care about time and you don’t want or can’t go to a bank or a loan company, online loans can be a great solution! Compare offers from different companies and check which one is right for you.

Loans granted via the Internet are available primarily in non-bank companies’ offers. It is these institutions that grant so-called payday loans or loans as evidence. They are characterized primarily by a minimum of formalities and easy accessibility. Remember! A loan is not the same as a loan.

Loans for monthly installments over the internet – what’s that?

Loans for monthly installments over the internet - what

The terms ‘loan’ and ‘credit’ are often confused with each other and considered synonymous. This is a mistake because a loan is a broader concept than credit. First of all, loans can only be granted by banks – no private person or company that does not perform so-called banking activities, he can’t give you a loan.

Both banks, natural persons and non-bank companies can grant loans.

The difference between a loan and a loan is, among others such that the loan agreement must be in writing and the loan agreement may be concluded even orally.

In addition, banks usually follow many procedures – they check Credit Checker databases, verify credit history and assess creditworthiness. Loans (for monthly installments, via the Internet or stationary), granted by loan companies, are characterized by a much-simplified procedure.

Loan for monthly installments – online or stationary? How to get a loan?

Loan for monthly installments - online or stationary? How to get a loan?

You can take out a loan from a non-bank company on a stationary basis, at the company’s headquarters or online. How to take a loan online (monthly installments)? Check it out:

  • fill in the online application – you will have to complete a dozen (sometimes a little more) fields and provide information such as your name, PESEL, address (residence or domicile), bank account number, telephone number, possibly statement of income or employment;
  • verify your identity – most often this is done with the help of verification transfer for a symbolic zloty or a penny. The idea is for the lender to be sure that the bank account details match those in the application;
  • wait for the verification of the application – it takes a short time and often only takes a few minutes.

If the application is successful, the money can be in your account instantly.

Loan offers and lender requirements may vary from company to company. In one institution you can get a loan online only on proof and without checking the Credit Checker databases, in the other, you will need to present a certificate of income or employment. However, the procedure is considerably simplified compared to loans.

What you should know about payday loans online

What you should know about payday loans online

  • Online loans are often called payday loans because you can receive money in a short while and because you take out loans for a relatively short time – usually from a month to 3 years.
  • Most often you can borrow from USD 100 to even USD 15,000. These amounts are lower than in the case of bank loans, but they often help to meet current needs.
  • If you do not have a bank account or it has been seized by a bailiff, it may not be possible to take out a loan for monthly installments online. In this case, go to the company’s headquarters and submit an application on the spot.

Online loan (monthly installments) – what could be the consequences of late repayment?

Online loans are a convenient way to quickly inject cash. Remember, however, that, like any other commitment, you have to pay back your monthly installment loan online.

When you take out a loan, you will probably get an installment payment schedule that you will have to follow. You should also be informed about the consequences of exceeding the deadlines. Carefully check all the conditions and think about whether you will be able to settle the commitment within the prescribed period. Otherwise, you may have to pay additional fees, such as:

  • interest for late payment of installments;
  • costs related to enforcing claims (e.g. sending reminders);
  • costs related to debt collection, court or bailiff proceedings (debt collection procedures are triggered when, after receiving letter reminders, the liability is still unpaid).

Therefore, in the case of loans for monthly installments over the internet, timeliness is extremely important.

How do you look for online loan offers?

If you do not want to waste time tediously browsing the pages with loan offers, use the payday loan comparison tool on the Good Finance portal. All you have to do is enter your loan criteria, e.g. amount and time, and the system will compare the parameters of many offers and present the results clearly.

Cash loan without certificates – where to get a loan without online income certificates?

Cash loans enjoy unflagging popularity among borrowers because the funds obtained from them can be used for any purpose. What’s more, their parameters are very diverse, depending on which bank you use, which is why everyone can find an offer tailored to their needs. Recently, the bank also introduced the possibility of using a cash loan without certificates. What is this about?

Only a few years ago, a cash loan without income certificates could only be found in the offer of non-banking companies. Currently, banks offer this solution to their clients. What characterizes such a cash loan and what conditions must be met to be able to apply for it? Check if you will get a loan without certificates. And see how the loan calculator will help you.

Cash loan without certificates – what is it characterized by?

Cash loan without certificates - what is it characterized by?

A cash loan without certificates is granted to people who receive a steady income. However, he does not have to come from an employment contract. This can be, for example, a survivor’s pension, a mandate contract or work. Most banks that provide this type of loan have a positive attitude towards almost every source of income. However, it is worth checking in advance what requirements it sets for its customers.

A cash loan without income and employment certificates is most often granted on a declaration – the borrower must indicate in the credit application the title and amount of income he receives. So how is it different from a regular bank loan? A cash loan without certificates means that you will not be required to prove the values ​​given with a certificate from your employer.

All you need is a bank statement, which will confirm the impact of your salary. Thanks to this, the entire loan granting procedure is maximally simplified and comfortable for the borrower.

Cash loan without certificates – can I apply for it online?


Can I get a cash loan without online certification? By all means, although only a few banks offer such a possibility. So before you make a decision about choosing a specific offer, check its detailed conditions. You will receive a cash loan without Internet income certificates.

Where else can you submit an online cash loan application without certificates? An interesting proposition in this respect is the Mini Ratka offered by Good Finance. You must know that cash loans without online certification are rare. It’s much easier to receive them when you decide to visit a bank branch.

How much money can I take out without presenting an income certificate?

There is no clear answer to this question because the maximum amount of such a loan depends on the bank’s policy. You can easily find a 5000 loan without certificates, or even twice as high, i.e. a loan of up to 10 thousand without certificates. However, you have to head a bit with higher amounts.

Nevertheless, some banks offer their clients a loan of up to 20 thousand without certificates. This amount will certainly prove sufficient to cover larger current needs. However, if you are looking for a 50,000 loan without any certification, there may be a problem.

Banks are reluctant to grant loans for such high amounts when they are exposed to risk. However, it is even possible to find a loan of 100,000 without certificates. However, this does not mean that you will not have to meet any conditions.

Do banks grant loans without certificates?

Do banks grant loans without certificates?

Cash loans without earnings certificates were formerly the domain of loan companies offering so-called payday loans. However, times have changed, and banking institutions are more accommodating to their clients.

So now you can find a loan without bank certification. You will also not need any collateral for the loan.

In which bank to take a cash loan without certificates?

Wondering at which bank a cash loan without certificates? The matter is not so simple. You need to analyze a lot of offers. However, we decided to help you with this by creating a special statement. From it, you will find out where to take a cash loan without certificates.

Cash loan without certificates at Fine Bank

To receive a cash loan without certificates at Fine Bank, all you need is your ID card, which is why it is also referred to as a credit card. To do this, you need to go to a branch or Fine Bank partner outlet. The maximum loan amount is up to USD 200,000. USD. Noteworthy is the relatively low-interest rate.

In the case of a loan of USD 15,000 USD. is 4.5%. If the credit decision is positive, the funds will be withdrawn on the same day.