Monthly Archive: September 2019

Credit comparison – family expenses

Do you have an opportunity that may not happen again? Do you urgently need cash and your account has no savings?

A loan for any purpose will allow you to fulfill at least most of your dreams and plans.

A loan for any purpose will allow you to fulfill at least most of your dreams and plans.


Of course, you must remember that getting money from a bank is only one side of the service and it will be your responsibility to pay back the debt. However, thanks to our help you can learn what to do to pay for the service as little as possible. We will provide you with free financial advice that will not only help you choose the best loan but also make you realize how important it is to choose a product that suits your needs.

Financial tools worth using

Financial tools worth using

Collecting product information can take a long time. Unfortunately, many banks do not make it easy for their clients and even on the official websites of the institution it is difficult to get all the basic data. We always guarantee up-to-date information that you can check even in a few minutes. You will not only compare interest rates on loans in a dozen or so banks, but also find out which banks offer the best terms throughout the loan period. The basic financial tools are loan ranking and installment calculator. Comparison of loans in the ranking is the easiest way to find out which product suits you best. The installment calculator is a great tool to check the practical cost of debt. By entering the value of the loan and the loan period you will find out approximately how much monthly installments you will get. Therefore, having the opportunity to use financial tools free of charge, use it.

Latest credit comparison

Latest credit comparison


Holidays are the time when we most often reach for additional funds. However, do not make this decision lightly. Before filling out the loan application, check at least the top of the cheapest debts available in banks operating in Poland. Compare their nominal interest rate and commission, and whether the other terms of these services are attractive to you.

1. Bank A

A cash loan with an interest rate of 5.90% and a commission of 2.99%. The bank offers debt without guarantors and unnecessary formalities in the amount of up to PLN 150,000. The maximum value of your loan will be determined individually depending on, among others creditworthiness. makes it possible to spread the loan repayment into 84 equal, monthly installments. An additional advantage of the loan is the guarantee of a fixed installment value.

2. Bank B

The cash loan at Bank B offers additional funds with an interest rate of 6.00% and a commission of 3.00%. Bank B ensures quick withdrawals, even on the same day the contract is signed. The maximum amount that a borrower can apply for is PLN 120,000. The longest repayment period, similarly to Bank A, is 84 months.

3. Bank C

The cash loan for you is distinguished by a long loan period, which can last even 96 months. The maximum loan value is PLN 150,000. The bank does not require the borrower to use other services of the institution. The nominal interest rate on the loan is 10.00% and the commission charged by the bank is 4.50%.

Are my overtime hours included in the calculation to borrow money?

The summer is coming. Traditionally a period in which many people work overtime to fill in the hours of colleagues on vacation. With overtime you receive extra money and there are no major backlogs at work.

We get the question almost every day; ‘Do you also include income from overtime in the loan calculation’? I still get this money in my account every month ‘. In this article we will address this question.


Structural overtime


Do you work overtime so that your colleague can go on holiday? Or do you work overtime every month? Like an international truck driver, for example. The most important rule when taking overtime is that the overtime must be structural.

A bank must adhere to rules when granting a loan. For example, providing a loan must be justified. Providing money on the basis of an income that is not available every month, such as a substitute for a colleague, is too risky. The risk that you cannot pay the loan without this income is then too great.

In the case of overtime that you can demonstrate with a number of payslips that you receive this each month, (part of) your calculation will be included in the loan calculation.


How many overtime hours are included in the calculation?

How many overtime hours are included in the calculation?

How much of your structural overtime is included in the calculation for your loan differs per bank or financing company. This is because banks and financing companies are allowed to apply different conditions for this.

In most cases, at least 50% of the income from overtime is included. For international truck drivers that is even 100%. The overtime in these cases is maximized at 8 overtime per week.

Licia Financing has recently started working with a financing company that, regardless of the profession, wants to take 100% of the income from overtime with them. Of course, provided that this is structural.


Licia Financing is a specialist in overtime

Licia Financing is a specialist in overtime

Do you want to know exactly how much of your income from overtime is included in the calculation for your loan? Then contact Licia Financing. One of our credit specialists is happy to help you with this. This way you know for sure that your income is calculated correctly so that you are always offered the correct loan amount at the lowest possible interest. Of course we do that for you completely free and without obligation.