With a cash loan, for example, we do not require a mortgage as security for repayment. This simplifies and speeds up the process of getting a cash loan.

There are no formal contraindications preventing you from having a mortgage and a cash loan at the same time, provided that the bank has positively assessed the borrower's creditworthiness.

The only restriction that exists is your creditworthiness.

The decision to grant a Cash Loan is usually granted on the same day that the application is submitted. Minimum formalities apply to customers with a Bank Millennium account, who transfer their salary to this account.

Can you make a full or partial early repayment of your Cash Loan?

You can repay your loan in full or make a partial early repayment in the mobile app or in Millenet. Early repayment is free of charge.

Exception: If the loan has more than one borrower, an early repayment can only be arranged at a branch. It is sufficient for one of the co-borrowers to visit the branch.

How do you make a full early repayment?

In the mobile app, select: Products > Loans > Selected Loan > Earlier repayment > Total repayment

In Millenet, select: My finances > Loans > Details (next to the selected loan) > Earlier repayment > Total repayment

How do you make a partial early repayment? 

In the mobile app, select: Products > Loans > Selected Loan > Earlier repayment > Partial repayment

In Millenet, select: My finances > Loans  > Details (next to the selected loan) > Earlier repayment > Partial repayment

You can choose a partial early repayment that:

• shortens the repayment period
• reduces the instalment amount

Note: Before making an early repayment, make sure there are sufficient funds in the account from which your instalments are automatically collected. An early repayment will not be possible if you have an overdue instalment or if you have already paid the overdue amount but the payment has not yet been processed. The payment will be processed within 1 business day.

Yes, you can consolidate your existing loans and cash loans. Firstly, you will only pay one instalment instead of many, so you only remember one repayment date (APR: 11.7%). Without having to pay any commission for transferring your debt outside Bank Millennium. Secondly, in addition to transferring your loan repayments to Bank Millennium, if you are creditworthy, you can also get extra cash for any purpose.

Insurance is not mandatory. However, many of our clients decide to take out insurance coverage, which allows the borrower to be supported in the event of selected accidental events, such as selected illnesses or death. For customers over 65 years of age, we only offer a cash loan, with insurance against death or accidental death. Would you like to learn more about the advertised material of the Loan under protection insurance? Click here.

You can take advantage of loan repayment holidays if you meet certain conditions.

When are you eligible?

• you can apply no earlier than 6 months after the loan was disbursed, any subsequent application can be submitted after you have repaid at least 12 consecutive instalments
• you can postpone your next instalment only if at least 4 days remain until its due date
• you are eligible only if you do not have any overdue loan repayments with our bank
• you cannot take a payment holiday if the loan is or has been subject to a settlement agreement or restructuring

How do you apply?

You can apply for a loan repayment holidays in the mobile app, in Millenet, through our helpline, or at a branch.

In the mobile app, select: Products > Loans > Select Loan > More > Loan holidays

In Millenet, select: My finances > Loans > Details (next to the selected loan) > Loan holidays

Exception: If the loan has more than one borrower, a payment holiday can only be arranged at a branch. All co-borrowers must be present when submitting the application.

What happens to your loan if you take loan repayment holidays?

To postpone an instalment, you need to sign an amendment to your agreement with us. There is no fee for signing a loan repayment holidays amendment. During the loan repayment holidays, we will not collect your next instalment. Instead, it will be moved to the end of the loan repayment period. As a result, the loan term will be extended.

The payment holiday applies to the principal-and-interest instalment. If you have insurance, your coverage will remain active during the loan repayment holidays. We will continue to collect the monthly insurance premium on the regular instalment due date.

The interest accrued during the loan repayment holidays will be added to your next instalment or spread across several subsequent instalments if the amount is higher. The portion of the loan principal that is not collected during the payment holiday and that was included in the repayment schedule will be transferred to the final balancing instalment. As a result, the final instalment will be higher and the repayment period will be extended by at least one month.

Exception: If the final instalment would exceed 200% of the standard instalment amount, we may extend the repayment period by more than one month to reduce the amount of the final instalment.

It is required to have a current ID with photo.

In case of people who do not have an account at Bank Millennium to which they transfer their remuneration, we also require additional confirmation - such as a certificate of employment and income. Preparing these documents will speed up receiving a credit decision.

A more convenient way may be to use open banking services, which will automatically verify your remuneration transferred to your account in another bank.

You can change your repayment date in the mobile app or in Millenet. A fee may apply for this change, depending on the type of loan. You will see the fee amount before confirming your request.

In the mobile app, select: Products > Loans > Select the loan > More > Change repayment date

In Millenet, select: My finances > Loans > Details (next to the selected loan) > Change repayment date

Exception: If the loan has more than one borrower, you can change the repayment date only at a branch. All co-borrowers must be present when submitting the request.

Note: You can change the repayment date after the first instalment has been collected. Any subsequent change can be made no sooner than 60 days after the previous one.

If you want to change the date of the next instalment, submit your request at least 4 days before the due date. If you submit it later, the next instalment will be collected on the current date. The new repayment date will apply from the following instalment.

If you are using a loan repayment holidays, you can change the repayment date only after the next instalment has been calculated.

The instalment is not moved from the current month to the next one. The loan maturity date will remain unchanged, although the instalment amount may change.

If you choose a date that has already passed in the current month, the next instalment will be collected on the current repayment date. The change will take effect from the following month.

A Cash Loan is paid immediately to your bank account. And the Consolidation Loan to the accounts of the loans and credits you are repaying.

You can cancel your application yourself, provided that:

• the application has not yet been sent for review, or
• the application has not been returned because additional documents are required.

In this case, the cancellation option is available in the app and on Millenet.

If you wish to cancel your application in:

• the app, go to the home screen; a message saying “Complete your cash loan application” will appear at the top. Tap on it, then select “Cancel application”.
• Millenet, select the tab: Name and Surname (top right corner) > Applications and Agreements > Details (next to the application) > Cancel application

If these options are not available, please contact one of our staff members.

Please note: cancelling an application may take up to 1 working day.
If you submit your application for review and we manage to approve the loan before it is cancelled, you can still withdraw from the agreement at a branch.
You have 14 days from the date the loan is approved to do so.

You can only check the status of your application in Millenet (on the bank’s website).
You cannot check it in the mobile app.

To check the status of your application, log in to Millenet and select the following tabs:
First name and surname (top right-hand corner) > Applications and agreements > Details (next to the application) > Status

Important:
We usually issue a decision within 1–3 working days (from the moment the application is submitted for review).
In exceptional circumstances, this period may be extended to 30 days.

The maximum age to get a loan or credit is 75.

You can apply for a loan if you work abroad for a company registered in Poland that provides services abroad.

After you submit your application, we will assess your creditworthiness and make a decision.

Your type of contract and length of employment also matter.

We will not grant a loan if your employer is registered abroad.

To view your loan repayment history in the app, select the tab: Products > Loans and credits > Select a loan or credit > History.

Here, you can view and download confirmation of your repaid instalments. In the confirmation details, you will find the total amount of the instalment, as well as the sum of the principal and interest included in the instalment.

If you need other documents containing specific details regarding your credit or loan repayment history, please call the helpline or visit a branch to request one.

Requesting a document via the helpline or at a branch may incur a charge. You can check the fee in the price list.

You can find the account numbers used for regular and early repayment in the mobile app. Select: Products > Loans > Select the loan > Show More (at the bottom)

The account used for your regular monthly repayments is labelled “Personal account associated”.

The account used for early repayment is labelled “Account for early loan repayment”.

To pay your next instalment, make sure funds are available in the regular repayment account. We will process the repayment by the end of the due date.

Once the payment has been processed, the instalment will no longer appear in your repayment schedule.

Note: Please note that making an early repayment does not exempt you from paying your next instalment.

This may happen for several reasons:

• If your instalment due date falls on a non-business day, we will process the payment by the end of the next business day. You do not need to take any action. We will not report the delay to the Credit Information Bureau (BIK), and no late payment interest will be charged.
• You had an overdue instalment. You have already made the payment, but it has not yet been processed. We will process the payment by the end of the business day on which the funds were received.
• The amount available for repayment is too low. Check whether there are sufficient funds in the account to cover the full instalment amount.

You can check your instalment amount and the number of instalments left to repay in the payment plan. The payment plan is available in the mobile app and Millenet.

In the mobile app, go to: Products > Loans > Select a loan > Payment plan
In Millenet, go to: My finances > Loans > Payment plan (next to selected loan)

Additionally, you can download the current payment plan free of charge in Millenet (bank's website). This option is not available in the mobile app. Open the payment plan and select the following option at the bottom of the page: Download schedule

If you need a repayment schedule for instalments that have already been repaid, you can request one for a fee through our helpline or at a branch.

You can request a paper certificate relating to loan or credit through our helpline or at a branch. A fee applies for issuing the document. You can find the applicable fee in our Price List.

Examples of standard certificates:

• certificate confirming the servicing of a loan or credit
• certificate confirming the repayment of a loan or credit
• certificate confirming that there are no outstanding credit obligations
• certificate confirming that a credit application was declined

You can request a standard certificate through our helpline. You can also request a repayment history of paid instalments as an attachment to the certificate.

If you would like to include additional information in the certificate, or if the certificate relates to an instalment loan for the purchase of equipment, you must request it at a branch.

Contact our helpline if you would like to find out what information is included in a standard certificate.

Who can request and collect a certificate?

A certificate can be requested by the account holder, a joint account holder, or an authorised representative, provided they have the appropriate permissions.

The certificate can be collected by the person who requested it or by any person authorised at the time the request is submitted.

When will the certificate be issued?

• standard certificate collection at a branch (except at MINI branches): within 15 minutes
• certificate containing additional information: within 3 business days
• delivery to the correspondence address: within 14 days

You can apply for a Cash Loan in the mobile app or in Millenet.

In the mobile app or in Millenet, select: Offer > Loans

If the option to submit an application is not available online, call us or visit one of our branches.

If loan insurance was not added when you signed the loan agreement, you can still add it later during the loan repayment period.

To add loan insurance, please visit one of our branches.

The cost of loan insurance depends on the outstanding loan balance, the remaining repayment period, and the insurance option you choose. We will provide the exact cost at the branch.

You will not receive a refund of interest if you repay your loan early. Interest is charged only for the period during which you use the loan. We do not charge interest in advance.

You can receive a loan or credit only in Polish zloty (PLN).

We may consider the following factors when assessing your creditworthiness:

• your income and its source
• how regularly funds are paid into your account
• the number of people in your household and your living costs
• your current financial commitments (such as loans, overdrafts and credit cards)
• how you have repaid your previous and existing obligations
• the loan amount and repayment period
• your employment type and length of employment

How can you check your creditworthiness?

You can check your creditworthiness through our helpline or at a branch.

Call us through the mobile app. Go to: Profile (top-left corner) > Contact > Call consultant directly

Not using the mobile app? Call us on +48 22 598 40 40. Our helpline is available 24 hours a day, 7 days a week, including public holidays.

We will process your loan instalment no later than by the end of the day on which it is due. In most cases, this happens in the afternoon or evening.

Please make sure there are sufficient funds in the account used for regular loan repayments, from which the instalment will be collected automatically. To avoid overdue payments, it is best to fund the account on the business day before the due date.

Exception: if the instalment due date falls on a Sunday or a public holiday, we will process the repayment by the end of the next business day. You do not need to take any action.

You may see information about an overdue payment, but we will not report the delay to BIK or charge late payment interest.

You can check the APR for a new loan during the application process. The easiest way to do this is in the mobile app.

Go to: Offer > Loans > Cash Loan > Check

You can also use the loan calculator available on our website.

You can find the initial APR of your loan in your loan agreement under the section "Annual Percentage Rate (APR)".

Where can you find and download your loan agreement?

If you signed the agreement online, you can find it and download it in the mobile app.

Go to: Profile (top-left corner) > Applications and Documents > Documents and Agreements

Make sure you select the appropriate date range in the "Date" field.

If the agreement was signed through another channel, you can obtain a copy at a branch. A fee may apply in accordance with our Fees and Charges Schedule.

Note: the APR may change during the repayment period, for example due to changes to the terms of the agreement or the number of remaining instalments.

APR (Annual Percentage Rate) shows the total cost of a loan on an annual basis. It is expressed as a percentage. .

This indicator helps you compare loan offers with the same parameters.

A higher APR does not always mean you will pay more. It may indicate that the loan term is shorter, which increases the annualised cost of the loan.

What does APR depend on?

APR depends on several factors, including:

• the loan amount and repayment term
• the repayment method and frequency
• the interest rate, fees, commissions and other charges related to the loan

Your loan instalment may increase as a result of the terms of your agreement, changes to those terms, or changes in market conditions. Below are some examples of situations that may cause your instalment to increase.

1) Your instalment may increase if interest rates rise. This primarily applies to loans with a variable interest rate.

In some cases, a fixed interest rate may also increase. This can happen when the maximum statutory interest rate changes.

2) Your instalment may increase if you do not ensure the required deposit is credited to the account linked to your loan repayments within the agreed timeframe. In this case, we will increase your interest rate by 0.4 percentage points.

If your instalment has increased and you meet this requirement in the following period, your interest rate and instalment will return to their previous level.

You can find the required deposit amount in your loan agreement under the section "Borrower's Declaration Regarding Salary Transfers".

The required deposit must be credited each month between the date your previous instalment was due and the day before your next instalment is due.

Example: if your loan instalment is due on 15 October 2026, the required deposit must be credited between 15 September 2026 and 14 October 2026.

3) Your instalment may increase if your loan is insured and you cancel the insurance. In this case, we will increase your interest rate by the amount specified in your agreement under the section "Change to the Annual Interest Rate of the Loan".

How can you check your loan agreement?

If your agreement was signed online, you can view it in the mobile app. Go to: Profile (top-left corner) > Applications and Documents > Documents and Agreements