About the loan

The asset-backed loan is the perfect solution for people who want to improve their financial liquidity. If you do not want to run the risk of losing your gains by prematurely terminating your savings products, but need cash urgently then the Asset-backed Loan is cut out just for you!

Who can apply?

Private persons who have savings in in the form of time deposits with guaranteed payment of capital within the deposit period.

The Asset-backed Loan is all about benefits:

  • money for any purpose, available within a few days
  • minimum formalities in the credit capacity assessment process
  • The pledged asset may belong to the borrower or to a third party with their consent 
  • APR 8.54%

Cost of the loan and disclaimer

 Asset-backed Loan:

  • Minimum loan amount: PLN 1,000
  • Loan tenor: from 7 days to 12 months
  • Maximum loan amount depends on value and type of collaterals
  • Repayment in equal monthly principal and interest payments
  • The loan is granted in PLN
  • Loan early payment possible (partial or full) with own funds or with the pledged assets – no fees

Details about the interest rate and the commission connected with granting the product are contained in the Documents: Price List - Credit Products. 
The interest rate and the commission may be negotiated.


How to use


Our Consultants will provide 7/24 detailed information and will carry out your instructions.

801 331 331
fixed line calls and mobile

How to get


Call us

801 331 331

In our branches

Choose the nearest branch

Additional information

Cost of the loan and disclaimer

Annual Percentage Rate (APR) is 8.54%; total loan amount (net of credit-financed costs): PLN 58 257.14; total amount due: PLN 60 834.67; variable interest rate 3.99%; total cost of the loan: PLN 2577.53 (including: commission 2.25% (PLN 1310.79); interest PLN 1266.74; additional services PLN 0, including: insurance PLN 0; PLN 0 - fee for Konto 360° account, in case of booking minimum PLN 1000 of externally sourced turnover on the account and at least 1 payment made with use of the debit card/BLIK per month; otherwise the monthly fee for the payment account is PLN 8); 12 equal monthly instalments of PLN 4960.32. The calculation was made as of 16.10.2017 on a representative example.

Prior to granting the loan, the Bank shall evaluate the Applicant’s credit capacity and creditworthiness on a case-by-case basis; in justified situations the Bank may refuse to grant the loan. For detailed information about the Asset-based Loan see our Cash loan regulations/Regulamin kredytów i pożyczek udzielanych Klientom indywidualnym przez Bank Millennium S.A. and Pricelist - loan commissions, fees and interest rates – available in the Bank’s Branches and on www.bankmillennium.pl website.