Loan in promotion

Safe loan with sickness and unemployment insurance policy

Benefit from Cash Loan promotion (APR 15.32%), with which you can get money for any purpose:

  • apply conveniently online
  • instalment is only 120 PLN monthly for each 5000 PLN borrowed
  • early repayment at no charge

Promotion is valid from 4 April 2021 till 31 August 2021. Details in „Promocja na start z ubezpieczeniem VI edycja” promotion regulations - in Polish

Credit cost and legal note

Standard offer

In our offer we always lend:

  • quickly, conveniently and with minimum formalities
  • from 1 000 PLN up to 150 000 PLN
  • you benefit from the Lowest Interest Rate Guarantee*

*If within 30 days after signing the loan agreement, you will find a cheaper offer with the same amount and tenor and present the price conditions with the credit decision to the Bank – we shall reduce your interest rate and will refund the difference on the interest already paid to us, after meeting the conditions described in the Loan Regulations with the Lowest Interest Rate Guarantee.

Credit cost and legal note

Calculator

Check your Loan instalment!

What amount do you want to borrow?
How many monthly instalments?
  • Your rate:
     
  • Annual Percentage Rate (APR)

     


Take a loan

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

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Additional information

Credit cost and legal note

Representative example for a Cash Loan with “Promocja na start z ubezpieczeniem VI edycja” promotion: Annual Percentage Rate (APR) is 15.32%, total loan amount (net of loan-financed costs): PLN 15 000; total amount due: PLN 20 879,67; fixed interest rate 7.15%, total cost of the loan: PLN 5879,67, (including: fee: 0% (PLN 0); interest PLN 3 269,67; additional services PLN 2610,00, including: insurance PLN 2610,00; 58 monthly equal instalments of PLN 359,99; first instalment due after 30 days from disbursement of the money. The calculation was made as of 31.03.2021 on a representative example.

The “Promocja na start z ubezpieczeniem VI edycja” promotion is valid till 31.08.2021 and applies to insured cash loans granted for the period of 58 months with amount to be disbursed under the agreement PLN 5000 or PLN 10 000 or PLN 15 000 or PLN 20 000. The promotion is available to Customers who are under 65 years of age and did not have a cash loan or consolidation loan in the Bank 12 months before the time of submitting the application and declare the salary transfer with minimum 1 000 PLN level for current account and indicate the Bank as entitled to insurance benefits in case of borrower death and agree to receive commercial information via electronic channels and consent to the processing of contact details by the Bank for the purpose of providing information by the Bank regarding products and services of companies cooperating with the Bank. The promotion: may not be combined with other promotions concerning cash loans; it can be taken only once during its validity and it does not cover loans for repayment of other credit products.

Detailed terms and conditions of the Promotion are contained in “Promocja na start z ubezpieczeniem VI edycja” Promotion Regulations available in branches and on www.bankmillennium.pl. Details concerning principles of granting loans are contained in the Regulations on Loans Granted to Individuals by Bank Millennium S.A. Standard fees, commissions and interest rate are charged in accordance with the Cash Loan Price List. Details concerning the Lowest Interest Rate Guarantee are contained in the Regulations on Lowest Interest Rate Guarantee Offer. 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. 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.

Representative example for Cash Loan: Annual Percentage Rate (APR) is 18,56%, total loan amount (net of loan-financed costs): 20 027,58 zł ; total amount due: 32 580,70 ł ; variable interest rate 6,67%; total cost of the loan: 12 553,12 zł (including: fee: 8,90% (1 782,45 zł); interest 5 928,84 zł; additional services: 4 841,83 0 zł (including: insurance: 4 841,83 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)), 74 monthly equal instalments of 440,28 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.

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. Details concerning the Lowest Interest Rate Guarantee are contained in the Regulations on Lowest Interest Rate Guarantee Offer. 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.