Loan

Combine all your loans, pay one instalment and get additional funds thanks to our convenient Consolidation Loan. You can consolidate many kinds of debt like credit card and overdraft debt, cash and car loans.

  • 0% fee on the consolidate amount
  • Time saving – you pay just one low instalment

Information about the loan cost

How to borrow

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  • Over the phone

    1. 1

      Prepare account numbers

      We will transfer funds to cover your existing debts

    2. 2

      Contact us

      call Prestige Line
      801 12 7000

    3. 3

      We quickly transfer funds

      Within 1 day from signing the agreement

  • At a branch

    1. 1

      Prepare the document

      Select a document confirming your revenue from the list

    2. 2

      Visit any Bank Millennium branch

      Here you will check the branches closest to you

    3. 3

      We quickly transfer funds

      Within 1 day from signing the agreement

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Insurance

Loan under protection

Attractive insurance Loan under protection will ensure comprehensive support for you and your family in numerous unexpected circumstances. If at insurance contract conclusion date you are under 65 years old you can have insurance in Variant 1 that provides insurance cover in following situations:

  • critical illness
  • death
  • loss of a pemanent source of income or death as a result of an accident
  • temporary inability to work or disability

The insurer will also enable you to obtain a second medical opinion at a foreign medical facility.

If at insurance conclusion date you have finished 65 years you can have insurance in Variant 1 that provides insurance cover in following situations:

  • Death
  • Death as a result of accident
  • Medical assistance services

  • See more details on the insurance here

    Importantly, you do not have to choose the risks or events from which you would be protected. The scope of the insurance package in Option 1 always covers 6 risks and changes automatically depending on your professional situation and current pension rights at a given time.

    In the event of any of the above events, the Insurers will pay out your share of the amount:

    • up to 12 installments , each increased by PLN 500 in case of loss of permanent source of income;
    • up to 36 installments, each increased by PLN 500 in the event of temporary inability to work;
    • 50% of initial loan amount (in case of death caused by accident);
    • initial loan amount in case of your death;
    • initial loan amount and additional payment of 27 000 PLN in case of critical illness;
    • 50% of initial loan amount in case of your disability.

    Additionally, Insurer will organize and cover the cost of Second Medical Opinion.

Useful info

See what you need to take a loan

Do you want to take a Consolidation Loan? Select a document according to your source of income.

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

    In order to take a Consolidation Loan, you need to attach one of these documents:

  • Business activity

    To use the consolidation 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 consolidation 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 consolidation 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 consolidation 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 consolidation 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

Any questions or doubts? Contact us

Need more info?
Write to us.

Contact form

If you prefer…
Call us!

801 12 7000

landlines and mobile phones

Additional information

Information about the loan cost

A representative example for consolidation loan: Annual Percentage Rate (APR) is 19.41 %, total loan amount (without credited costs): PLN 44 002.58; total amount to be paid: PLN 73 009.11; fixed interest rate 9.89%; total cost of the loan: PLN 29 006.53 (including: 0% commission (PLN 0); interest PLN 15 386.92; additional services: insurance, the sum of premiums for the entire loan repayment period is PLN 13 619.61, the amount of the premium due for each month of insurance coverage payable on the installment payment dates is PLN 186.57). The loan agreement is concluded for a period of 73 months, the loan is repaid in 73 monthly equal installments in the amount of PLN 804.58; the first installment is payable 30 days from the date of loan disbursement. We performed the calculation on May 10th, 2025, using a representative example, assuming that the insurance coverage will last until the end of the loan repayment period and the insurance contract will not be terminated earlier. Fees, commissions and interest are charged in accordance with the terms of the Cash Loan Agreement. 

Details on the rules and conditions for granting loans are included in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A. Detailed rules for providing insurance covered by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A., under the Protected Loan Insurance, are included in the Terms and Conditions of the Protected Loan Insurance and the Product Card - Protected 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 credit capacity and creditworthiness each time. In justified cases, we may not grant you a loan.