The aim of this paper is to indicate factors which have a significant impact on having a consumer credit or a mortgage loan among people over the age of 50. The article contains results of a research which was carried out in the period from April to May 2016. Respondents of this research were people over the age of 50 who live in lubelskie region (Poland). The sample reflects the proportion of age groups in tested population (stratified sampling). In order to reach the goal of this paper and verify stated hypotheses, statistical tests of significance and binary logistic regression were used. The conducted study revealed that supporting family is a strong motive, which has an impact on having or not consumer or mortgage loan. Moreover, the willingness to help family financially is much more important than any other financial reason or obstacle. At the same time, the level of trust in family is not important when people borrow money for them.