We lend up to 40 000 PLN with no commission

  • 0 PLN commission
  • borrow from 5000 PLN to 40 000 PLN
  • apply online
  • fixed instalment
  • you can spread the repayment up to 70 months
  • you can choose a loan with sickness and unemployment insurance policy (APR 17.72%)

Standard offer

In our offer we always lend:

  • quickly, conveniently and with minimum formalities
  • from 1 000 PLN up to 150 000 PLN
  • fixed installment

How to borrow

Stop waiting, start acting

  • I am not a Bank Millennium Customer yet:
    1. Fill in the form

      Apply

    2. You will receive initial decision instantly

      Choose the way you want to sign the agreement

    3. Choose a branch

      Take the documents and sign the agreement

  • If you are our Customer, log on and fill in the application in Millenet.

Insurance

Safe Loan

Attractive insurance Safe Loan will ensure comprehensive support for you and your family in numerous unexpected circumstances, such as:

  • 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,
  • death.
  • See more details on the insurance here

    What is important, you do not have to choose the risks. Insurance package offers coverage in all the above events and changes automatically depending on your professional situation and current pension/disability pension entitlement.

    Should any of the above unexpected circumstances occur, the Insurer will pay for you:

    • up to 12 instalments if you lose work or up to 6 instalments if you are taken to hospital as a result of accident,
    • even 36 instalments if you are temporarily unfit for work or 25% of the outstanding loan amount in case of death due to accident,
    • the entire outstanding amount of the loan if you are fully unfit for work or 25% of the outstanding loan amount in case of disability as a result of accident,
    • the entire outstanding amount of the loan in case of falling ill with one of serious diseases or in case of death.

    Find out more about the insurance


Useful info

See what you need to take a loan

Do you want to take a Cash loan? Select a document according to your source of income.

  • Employment agreement / Contract of mandate / Author’s contract

    To use the cash loan, attach one of the following documents:


  • Business activity

    To use the cash loan, attach one of the following documents:

    • annual tax return and declaration from the Tax Office/ZUS/KRUS
    • revenue and expense ledger

  • Old-age pension

    To use the cash loan, attach one of the following documents:

    • bank account statement confirming payment of the pension for the last month
    • the last old-age pension slip
    • the last decision on old-age pension indexation
    • decision on awarding the old-age pension

  • Disability pension

    To use the cash loan, attach one of the following documents:

    • bank account statemen
    • bank account statement confirming payment of the pension for the last month
    • the last disability pension slip
    • the last decision on disability pension indexation
    • decision on awarding the disability pension

  • Pre-pension benefit

    To use the cash loan, attach one of the following documents:

    • bank account statement confirming payment of the benefit for the last month
    • the last benefit slip
    • the last decision of the Labour Office/ZUS on benefit indexation
    • decision of the Labour Office/ZUS on awarding the benefit

  • Sailor contract

    To use the cash loan, attach one of the following documents:

    • contracts concluded with ship owners for a period of 12 months with confirmation of salary transfers
    • certificate from the Tax Office

Show all documents

Need more information? Get in touch with us

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Call us!

801 12 7000

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Additional information

Credit cost and legal note

A representative example for the Cash Loan with "Promotion for Start edition II": The Annual Percentage Rate (APR) is 12.83%, total loan amount (without credited costs): PLN 21 170.28, total amount to be paid: PLN 28 467.22, fixed interest rate 12.13%, total cost of the loan: PLN 7 296.94 (including: 0% commission (PLN 0.00), interest PLN 7 296.94), 61 monthly installments equal to PLN 466.68, the first installment payable 30 days after disbursement the funds. The calculation as of January 21st, 2023 on a representative example. The "Promotion for start edition II" lasts until April 7th , 2023 and applies to cash granted for period from 48 to 70 months, with the amount to disburse from PLN 5 000 to PLN 40 000.

You can take advantage of the promotion if you have not had a cash or consolidation loan with Bank Millennium S.A. (further “us”) in the last 12 months from the date of application, you will undertake us the transfer of income in the amount specified in the loan agreement, min. PLN 1 000 net for the entire repayment period to your current account and you agree to receive commercial information via electronic channels and for the bank to process your personal data in order to provide us with information on products and services to companies cooperating with us. The promotion cannot be combined with any other cash loan promotions. Detailed terms and conditions of the promotion are included in the " Promotion for start edition II" Regulations. Details on the rules and conditions according to which we grant loans are described in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A. We charge standard fees, commissions and interest in accordance with the Cash Loan Price List. You can familiarize yourself with these documents in our branches and on our website www.bankmillennium.pl. Before we grant you a loan, we assess your creditworthiness and creditworthiness each time. In justified cases, we may not grant you a loan.

A representative example for the Cash Loan "Promotion for Start with insurance edition II": The Annual Percentage Rate (APR) is 17.72%, total loan amount (without credited costs): PLN 25 208.84, total amount to be paid: PLN 39 344.16 PLN, fixed interest rate 8.80%, total cost of the loan: PLN 14 125.31 (including: 0% commission (PLN 0.00), interest PLN 8 655.00 , additional services: insurance: PLN 5 470.32), 70 monthly installments equal to PLN 561.92, the first installment payable 30 days after disbursement the funds . The calculation as of January 21st, 2023 on a representative example.

The "Promotion for Start with insurance edition II" lasts until April 7th , 2023 and applies to insured cash loans, given by the Bank Millennium S.A. (further “us”), granted for period of 48 to 70 months with the amount to disburse paid under the contract in the amount of PLN 5 000 to PLN 40 000.

You can take advantage of the promotion if you conclude the Safe Pożyczka option I insurance contract through us (provided by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A., available to persons who on the date of concluding the insurance contract are under 65 years of age), and during the last 12 months from the date of application, you have not had a cash or consolidation loan with us, you will undertake us to us an income transfer in the amount specified in the loan agreement, min. PLN 1 000 net over the entire repayment period to your current account and you agree to receive commercial information via electronic channels and for the bank to process your personal data in order to provide us with information on products and services of companies cooperating with us.

The promotion cannot be combined with other cash loan promotions. The detailed conditions of the promotion are in the Regulations "Promotion for Start with insurance edition II". Detailed rules and conditions according to which we grant loans are described in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A. Standard fees, commissions and interest are charged in accordance with the Cash Loan Price List.

A representative example for a Cash Loan: Actual Annual Interest Rate (APR) is: 24.20%, total loan amount (without credited costs): PLN 12 887,29, total amount to be paid: PLN 23 076,31, fixed interest rate: 11,60 %, total loan cost: PLN 10 189,02 (including: 5.83% commission (PLN 751,33), interest: PLN 6 435,83, additional services: insurance PLN 3 001,86, 71 monthly installments equal to: PLN 325,02, the first installment is payable after 30 days from the disbursement of funds We made the calculation on February 11th, 2023 on a representative example.

Detailed rules and conditions according to which we grant loans are described in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A. Fees, commissions and interest are charged in accordance with the Cash Loan Price List. Detailed rules for providing insurance covered by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A., under the Safe Loan insurance, are included in the Terms and Conditions of the Safe Loan Insurance and the Product Card- Safe Loan insurance. You can familiarize yourself with documents in our branches and on our website www.bankmillennium.pl. Before we grant you a loan, we assess your creditworthiness and creditworthiness each time. In justified cases, we may refusey granting a loan.