Merge your loans

Move your loans to us and get one low instalment (APR 19.16%)

Apply now Consolidation cashloan Credit cost and legal note

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

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

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.

Choose the nearest branch

Find the branch

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