We lend up to 40 000 PLN with no commission

Check attractive Cash Loan promotion offer (APR 12.83%)

  • 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 17.09%)

Standard offer

In our offer we always lend:

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

Calculator - standard instalment

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

Fill in the form.
We will call you back!

Fill in the form

If you prefer…
Call us!

801 12 7000

landlines and mobile phones

Additional information

Credit cost and legal note

Representative example for the Cash Loan with „Promotion for start”: The Annual Percentage Rate (APR) is 12.83 %, total loan amount (without credited costs): PLN 22,901.79, total amount to be paid: PLN 32,062.78 fixed interest rate 12.13 %, total cost of the loan: PLN 9,160.99 (including: 0% commission (PLN 0.00), interest PLN 9,160.99), 70 monthly installments equal to PLN 458.04 , the first installment payable 30 days after disbursement the funds. The calculation as of October 15th, 2022 on a representative example.

The „Promotion for start” lasts until January 20th, 2023 and applies to cash loans granted for periods from 6 to 70 months with the amount to disburse from PLN 5,000 to PLN 40,000.

The promotion is available to the customers who during the last 12 months from the date of application, they did not have a cash or consolidation loan at the Bank, and will declare a transfer of income in the amount specified in the loan agreement, min. PLN 1000 net for the entire repayment period to their current account at the Bank and will consent to receive commercial information via electronic channels and consent to the Bank processing their personal details for the purpose of providing information by the Bank regarding products and services of companies cooperating with the Bank. The promotion cannot be combined with any other cash loan promotions. Detailed terms of the promotion are included in the „Promotion for start” Regulations. Details on the rules for granting loans are included 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. The above-mentioned documents are available in the Bank’s branches and on the website www.bankmillennium.pl. The Bank assesses the applicant’s creditworthiness and credibility each time before granting a loan. In justified cases, the Bank may refuse to grant it.

Representative example for the Cash Loan with „Promotion for start with insurance”: The Annual Percentage Rate (APR) is 17.09 %, total loan amount (without credited costs): PLN 21,294.25, total amount to be paid: PLN 32,789.66, fixed interest rate 8.31 %, total cost of the loan: PLN 11,495.41 (including: 0% commission (PLN 0.00), interest PLN 6,874.56 , additional services: insurance PLN 4,620.85), 70 monthly installments equal to PLN 468.42, the first installment payable 30 days after disbursement the funds. The calculation as of October 15th, 2022 on a representative example.

The „Promotion for start with insurance” lasts until January 20th, 2023 and applies to insured cash loans granted for periods from 6 to 70 months with the amount to disburse from PLN 5,000 to PLN 40,000.

The promotion is available to the customers who conclude the Safe Pożyczka option I insurance contract through the Bank (provided by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A., available to people who are under 65 on the date of concluding the insurance contract), and during the last 12 months from the date of application, they did not have a cash or consolidation loan at the Bank, and will declare a transfer of income in the amount specified in the loan agreement, min. PLN 1000 net for the entire repayment period to their current account at the Bank, and will consent to receive commercial information via electronic channels and consent to the Bank processing personal details for the purpose of providing information by the Bank regarding products and services of companies cooperating with the Bank.

The promotion cannot be combined with any other cash loan promotions. Detailed terms of the Promotion are included in the „Promotion for start with insurance” Regulations.

Details on the rules for granting loans are included 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. Detailed rules for granting insurance cover are set out in the Safe Loan Insurance Terms and Conditions and in the Product Card - Safe Loan Insurance. The above-mentioned documents are available in the Bank’s branches and on the website www.bankmillennium.pl The Bank assesses the applicant’s creditworthiness and credibility each time before granting a loan. In justified cases, the Bank may refuse to grant it.

Representative example for Cash Loan: Annual Percentage Rate (APR) is 23,28% , total loan amount (net of loan-financed costs): PLN 8677,85 ; total amount due: PLN 15371,28, variable interest rate 10,96%; total cost of the loan: PLN 6 693,43 (including: fee: 5,78% (PLN 501,58); interest PLN 4 143,00 ; additional services: insurance PLN 2 048,85); 72 monthly equal instalments of PLN 213,49; the first installment payable 30 days after disbursement the funds. The calculation was made as of 22.10.2022 on a representative example.

Details concerning principles of granting loans are contained in the Regulations on Loans Granted to Individuals by Bank Millennium S.A. Fees, commissions and interest rate are charged in accordance with the Cash Loan Price List. Detailed principles concerning granting of insurance cover under Bezpieczna Pożyczka insurance by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. are contained in Bezpieczna Pożyczka Terms and Conditions and in the Product Card - Bezpieczna Pożyczka Insurance. The documents mentioned above are available in Millennium branches and on www.bankmillennium.pl. The Bank evaluates the Applicant’s credit capacity and worthiness on a case-by-case basis prior to granting the Loan; in justified cases it may refuse to grant it.

Information about the calculator

The above information contains estimate data for illustration purposes and does not have a binding character. It is for information purposes only and does not constitute an offer, recommendation or invitation addressed to any person (or group of persons) to sign a loan agreement under the presented terms and conditions. In particular this information does not constitute an offer in the meaning of the Act of 23 April 1964 – Civil Code and is also not an investment, financial, tax, legal or any other advice. The information does not reflect assessment of credit capacity calculation and does not satisfy disclosure requirements, stemming from the Act of 12 May 2011 on Consumer Credit. The calculator is based on the Price List of 01.07.2016.