We lend up to 40 000 PLN with no commission

Take Cash Loan in promotion for any purpose (APR 8.83%):

  • 0 PLN commission
  • borrow 5000, 10 000, 15 000, 20 000, 30 000 or 40 000 PLN
  • instalment won't change for the entire credit period
  • apply online
  • you can choose a loan with sickness and unemployment insurance policy (APR 16.01%)

Promotion lasts from 07 May till 15 July 2022. Details in "Promocja Wiosenna - II 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
  • low installment

Calculator - standard instalment

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

Need more information? Get in touch with us

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801 12 7000

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Additional information

Credit cost and legal note

Representative example and legal notice Representative example for a Cash Loan with “Spring Promotion – II edition”: The Actual Annual Interest Rate (APR) is 8,83%, total loan amount (without credited costs): PLN 20,000, total amount to be paid: PLN 24 614,05, fixed interest rate 8.49%, total cost of the loan: PLN 4 614,05 (including: 0% commission (PLN 0.00), interest PLN 4 614,05), 60 monthly installments equal to PLN 410,23, the first installment payable 30 days after releasing the funds. The calculation was made on May 7th, 2022 on a representative example.

The “Spring Promotion – II edition” lasts until July 15th, 2022 and applies to insured cash loans granted for a period of 60 months with the amount to be paid under the contract in the amount of PLN 5,000 or PLN 10,000, or PLN 15,000, or 20 000 PLN, or 30 000 PLN, or 40 000 PLN. The Promotion is available to customers who have not had a cash loan or consolidation loan at the Bank in the last 12 months, counting from the date of application, will declare 1000 PLN a net income transfer to their ROR at the Bank. The promotion cannot be combined with any other cash loan promotions. Detailed terms of the Promotion are included in the Regulations “Spring Promotion – II edition”.

Representative example and legal notice Representative example for a Cash Loan with “Spring Promotion – II edition”: The Actual Annual Interest Rate (APR) is 16,01%, total loan amount (without credited costs): PLN 20,000, total amount to be paid: PLN 28,511.25, fixed interest rate 7.49%, total cost of the loan: PLN 8,511.25 (including: 0% commission (PLN 0.00), interest PLN 4,791.25, additional services: insurance PLN 3,720), 60 monthly installments equal to PLN 475.19, the first installment payable 30 days after releasing the funds. The calculation was made on May 7th, 2022 on a representative example.

The “Spring Promotion with insurance – II edition” lasts until May 6th, 2022 and applies to insured cash loans granted for a period of 60 months with the amount to be paid under the contract in the amount of PLN 5,000 or PLN 10,000, or PLN 15,000, or 20 000 or 30 000 or 40 000 PLN. The Promotion is available to customers under 65 years old who have not had a cash loan or consolidation loan at the Bank in the last 12 months, counting from the date of application, will declare 1000 PLN a net income transfer to their ROR at the Bank, conclude an insurance contract with the Safe Loan option 1 through the Bank and indicate the Bank as a beneficiary of insurance benefits in the event of the Borrower’s death. An additional condition is the consent 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 cannot be combined with any other cash loan promotions. Detailed terms of the Promotion are included in the Regulations “Spring Promotion with insurance – II edition”.

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 under the Safe Loan Insurance Option 1 by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. are included in the Safe Loan Insurance Terms and Conditions and in the Product Card - Safe Loan Insurance (available to persons who are under 65 on the date of concluding the insurance contract). 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 each time before granting a loan; in justified cases, it may refuse to grant it.

Representative example for Cash Loan: Annual Percentage Rate (APR) is 22,35%, total loan amount (net of loan-financed costs): PLN 14 875,81 ; total amount due: PLN 26 392,65 variable interest rate 10,51%; total cost of the loan: PLN 11 516,84 (including: fee: 5,20% (PLN 773,54); interes PLN 7 104,83; additional services: insurance PLN 3 638,47), 75 monthly equal instalments of PLN 351,90; first instalment due after 30 days from disbursement of the money. The calculation was made as of 09.06.2022 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.