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

  • 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


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 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

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

Information about the loan cost

Representative example for consolidation loan: Annual Percentage Rate (APR) is 20,28 % , total loan amount (without credited costs): PLN 35 475,00; total amount to be paid: PLN 62 921,89; fixed interest rate 9,59%; total cost of the loan: PLN 27 446,89 (including: commission 3,45% - PLN 1 223,89; interest PLN 16 894,15; additional services: insurance PLN 9 328,86); 82 equal monthly instalments of PLN 767,34; the first installment payable 30 days after funds disbursement. The calculation was made as of December 10th, 2022 on a representative example.

Fees, commissions and interest are charged in accordance with the Cash Loan Price List. 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. Detailed rules for providing insurance covered by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A., under the Safe Loan insurance, are included in the Terms and Conditions of the Safe Loan Insurance and the Product Card- Safe Loan insurance. You can see the above documents in our branches and on our website www.bankmillennium.pl . Before we grant you a loan, we assess your creditworthiness and credibility each time. In justified cased, we may refuse granting loan.