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Unemployed people who do not receive income sometimes have a chance to get a break in loan companies. Each lender evaluating the application takes into account several criteria – most often it is the appropriate age (eg 20-70 years), Polish citizenship, address of residence in Poland and lack of a negative history in selected registers.

Sometimes there is also a requirement to receive earnings, or they are a component of creditworthiness assessment. Documentation of earnings, however, is usually required for installment loans.