Consolidation Loan - Loans - Bank Millennium

About the loan

0% fee

If the amount of your external consolidation will be above PLN 5,000, you will not pay any commission and their APR will be only 19.16% for insured loan.

Time saving

Combine your liabilities (e.g. credit card and overdraft debt, cash and car loans) and you can pay one convenient instalment.

Information about the loan cost

Safe Loan

Safe Loan insurance will ensure comprehensive support for you and your family in numerous unexpected circumstances. You can use it easily and conveniently – when concluding loan agreement in a branch or Millenet. The premium is only 0.31% of the granted amount of the loan per month and is added to the loan. Thanks to the insurance you can get support in case:

total incapacity to work or disability as a result of an accident
temporary incapacity to work or disability as a result of an accident
loss of work or hospitalization as a result of an accident
serious illness or death

Find out more

How to apply

Online application: If you are not our Client, contact us.

If you are our Client, apply in Millenet or in the mobile app.

Fill in the application Contact form

Take a loan Form forconsolidation loan
TeleMillennium: Call us
801 331 331
In our branches: Choose the nearest branch
Find the branch

Required documents

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

One of the options below:

employer confirmation of your income for the last 3 months
PIT for last year
proof of income - in Polish

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

Important information

link opens in a new window Cash Loan price list

Credit cost and legal note

Representative example for consolidation loan: Annual Percentage Rate (APR) is 19,16% , total loan amount (net of loan-financed costs): PLN 28 171,05 ; total amount due: PLN 48 121,50; variable interest rate 8,72%; total cost of the loan: PLN 19 950,45 (including: fee: 3,52%; interest PLN 11 726,49; additional services: insurance PLN 7 232,34); 80 monthly equal instalments of PLN 601,52; the first installment payable 30 days after disbursement the funds. The calculation was made as of 22.10.2022 on a representative example.

Fees, commissions and interest are charged as per the Cash Loan Price List. Detailed principles of granting insurance cover under Bezpieczna Pożyczka insurance by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. are stipulated in Bezpieczna Pożyczka Insurance Terms and Conditions as well as in Product Sheet - Bezpieczna Pożyczka Insurance. The above mentioned documents are available in the Bank’s branches and on www.bankmillennium.pl. Prior to granting the loan the Bank evaluates the Applicant’s credit capacity and creditworthiness on a case-by-case basis; in justified cases the Bank may refuse to grant the loan.

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