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

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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Check the offer of a consolidation loan, also with insurance (APR 18.2%), if you need protection for loan repayments in the event of illness or loss of income.

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

Consolidation Loan without insurance

The Annual Percentage Rate (APR) is 10.7%. The total amount of the loan (excluding financed costs) is PLN 52,070.82; the total amount payable is PLN 72,711.73; the fixed interest rate is 10.19% per annum; and the total cost of the loan is PLN 20,640.91 (including a commission of 0% (PLN 0.00), interest of PLN 20,640.91 and additional services: not applicable). The loan agreement is entered into for 83 months and is repayable in 83 equal monthly instalments of PLN 876.75 each, with the first instalment due one month after the loan disbursement date. The calculation was made as at 12 October 2026 on the basis of a representative example. We charge fees, commissions and interest in accordance with the Loan Agreement. The detailed rules and conditions on which we grant loans are set out in the Terms and Conditions for Loans Granted to Individual Customers by Bank Millennium S.A. These documents are available at our branches and at www.bankmillennium.pl. Before granting a loan, we assess your creditworthiness and ability to repay. In justified cases, we may refuse to grant you a loan.

Consolidation Loan with insurance

The Annual Percentage Rate (APR) is 18.2%. The total amount of the loan (excluding financed costs) is PLN 42,625.65; the total amount payable is PLN 68,692.02; the fixed interest rate is 8.78% per annum; and the total cost of the loan is PLN 26,066.37 (including a commission of 0% (PLN 0.00), interest of PLN 12,692.35, and the cost of the additional service, namely insurance, with total premiums of PLN 13,374.02 over the entire loan repayment period and a monthly premium of PLN 180.73 payable on each instalment payment date for every month of insurance cover). The loan agreement is entered into for 74 months and is repayable in 74 equal monthly instalments of PLN 748.02 each, with the first instalment due one month after the loan disbursement date. The calculation was made as at 12 October 2026 on the basis of a representative example, assuming that insurance cover remains in force until the end of the loan repayment period and that the insurance agreement is not terminated earlier. We charge fees, commissions and interest in accordance with the Loan Agreement. The detailed rules and conditions on which we grant loans are set out in the Terms and Conditions for Loans Granted to Individual Customers by Bank Millennium S.A. The detailed rules governing insurance cover provided by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. under Pożyczka pod ochroną Insurance are set out in the Terms and Conditions of Insurance for Pożyczka pod ochroną and in the Product Card for Pożyczka pod ochroną Insurance. These documents are available at our branches and at www.bankmillennium.pl. Before granting a loan, we assess your creditworthiness and ability to repay. In justified cases, we may refuse to grant you a loan.