Merge your loans

Transfer your borrowings and cash loans to us and, thanks to consolidation, pay one convenient instalment with a fixed interest rate (APR 19.41%).

Apply now Consolidation cashloan Credit cost and legal note

About a consolidation loan

0% commission

You will not pay any commission for consolidating borrowings or cash loans from other banks.
Also we offer 0 PLN commission on the amount of additional funds selected for any purpose. The APR for the representative example is 19.41% for the cash loan offer with insurance.

Time saving

Saving time

Merge your commitments and pay one convenient instalment. Examples of commitments you can merge:

  • credit card debt or overdrafts
  • cash loans
  • car loans or instalment loans

Consolidation with the option for extra cash

We offer consolidation of multiple liabilities:

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In addition to the consolidation of loans, you have an opportunity to add additional funds for any purpose up to a total of 250 000 PLN as long as you receive a positive credit decision. This offer does not include the consolidation of mortgage products.

Information about the loan cost


Information about the loan cost

The consolidation loan under protection

Pozyczka pod ochrona Insurance will provide comprehensive support for you and your loved ones in many difficult life situations. You can conclude insurance conteact easy and comfortably – during concluding cash loan agreement in branchor in Millenet. Insurance premium is only 0,424% of loan amount monthly. Thans to the insurance, accordingly to definitions of below concepts and limitations of cover included in Insurance Terms and Conditions you can receive support in case of:

  • critical illness
  • death
  • loss of job or death as a result of an accident
  • temporary inability to work or disability
Find out more

Insurer will also allow you to receive second medical opinion in foreign medical facility

Where to get consolidation

Online

If you are not yet our client, please contact us.

If you are our client, submit your application in Millenet or the mobile app.

FILL IN THE FORM Contact form
TAKE A LOAN Form for consolidation loan

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Required documents

Would you like to benefit from Consolidation Loan? Select a document according to your source of income.

  • Employment agreement / Contract of mandate / Author’s contract
  • Sole proprietorship
  • Retirement pension
  • Disability pension
  • Pre-retirement benefit

One of the options below:

  • annual tax return and a certificate from the Tax Office or a certificate from the ZUS/KRUS
  • revenue and expense ledger
  • confirmation of pension transfer for the last month
  • last pension payslip
  • last decision on indexation
  • last decision on pensionable remuneration
  • confirmation of disability pension transfer for the last month
  • last disability pension payslip
  • last decision on remuneration
  • decision on granting the disability retirement pension
  • confirmation of benefit transfer for the last month
  • last benefit payslip
  • last decision on remuneration
  • decision on granting the benefit

FAQ

  • The Consolidation Loan is a consumer loan that consists of merging several liabilities into one. The bank, with which the consolidation loan is taken, settles the customer's liabilities with other creditors, thanks to which the customer is left with one liability to repay instead of several.

  • By refinancing (or simply "transferring" to us) your credit obligations, you will gain better control over your home finances by handling one convenient instalment. You repay only one loan instead of several existing ones.

  • With the Consolidation Loan you can try to reduce the amount of your monthly instalment, but be aware that depending on your individual situation this may not always be possible. One way to reduce the amount of your monthly instalment is to take advantage of an extended (in the case of the Consolidation Loan: up to 120 months) loan term. Remember, however, that extending the repayment period involves an increase in the total amount to be paid. At any time, you have the right to repay the Consolidation Loan early, crucially, at no extra charge.

  • The maximum loan amount you can obtain under the consolidation offer (which includes your existing repayments and additional cash) is 250 000 PLN, subject to your creditworthiness. Within this amount, you will combine your existing loans and you can use the option to add additional funds for any consumption purpose.

  • Yes. You can consolidate with a mortgage if you are creditworthy. If the total amount of debts to be consolidated exceeds 250 000 PLN, it is worth taking advantage of the mortgage-backed consolidation loan offer (APR 10.07%).

  • We will transfer funds for the full repayment of yours directly to the account numbers indicated for these liabilities in the agreements (e.g. with other banks). We will transfer additional funds for any purpose to your bank account in Bank Millennium. Ensure that the loans you are consolidating are repaid in full.

Credit cost and legal note

  • Credit cost and legal note