Consolidation cashloan

Make one move and get years of comfort

Move your mortgage to us, get low instalment and attractive interest rate (APR 16.01%)

Apply now Contact with advisor Credit cost and legal note

About the loan

Lowest Instalment Guarantee

Lowest Instalment Guarantee

If within 30 days after signing the loan agreement you find a cheaper offer with the same amount and tenor – we shall reduce your interest rate and will refund the difference on the interest already paid to us.

0% fee on the consolidated amount

0% fee on the consolidated amount

With our loan on consolidated funds you will not pay any commission, and their APR will be only 16,01%.

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 0.3% of the graned 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
Safe Loan

How to apply

Online form

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Call us

801 331 331 801 331 331

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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
Credit cost and legal note

Representative example for consolidation loan without promotion: Annual Percentage Rate (APR) is 16,01%, total loan amount (net of loan-financed costs): 42 340,91 zł ; total amount due: 68 166,16 zł ; variable interest rate 6,67%; total cost of the loan: 25 828,25 zł (including: fee: 3,03% (1 282,93 zł); interest 13 679,98 zł; additional services: 10 862,34 0 zł (including insurance 10 862,34: fee for Konto 360° 0 zł provided that externally-sourced monthly turnover is 1 000 zł minimum and at least 1 payment is made in a month with the debit card/by BLIK; otherwise the monthly fee for the payment account is 8 zł)), 83 monthly equal instalments of 821,28 zł; first instalment due after 30 days from disbursement of the money. The calculation was made as of 15.10.2020 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.