About the loan

The asset-backed loan is the perfect solution for people who want to improve their financial liquidity. A perfect solution for people who hold investments at the Bank or savings of different classes and need to get cash quickly.

Who can apply?

Private persons who have savings in in the form of time deposits with guaranteed payment of capital within the deposit period.

The Asset-backed Loan is all about benefits:

  • money for any purpose , available within a few days
  • minimum formalities in the credit capacity assessment process
  • the pledged asset may belong to the borrower or to a third party with their consent
  • APR 8.54%

Cost of the loan and disclaimer


  • Minimum loan amount: PLN 1,000
  • Loan tenor: from 7 days to 12 months
  • Maximum loan amount depends on value and type of collaterals
  • Mepayment in equal monthly principal and interest payments
  • The loan is granted in PLN
  • Loan early payment possible (partial or full) with own funds or with the pledged assets – no fees

How to get

Online Aplication

Millennium Financial Centres

Additional information

Cost of the loan and disclaimer

Annual Percentage Rate (APR) is 8.54%; total loan amount (net of credit-financed costs): PLN 58 257.14; total amount due: PLN 60 834.67; variable interest rate 3.99%; total cost of the loan: PLN 2577.53 (including: commission 2.25% (PLN 1310.79); interest PLN 1266.74; additional services PLN 0, including: insurance PLN 0; PLN 0 – monthly fee for Konto Prestige World account if total externally sourced turnover on the account was at least PLN 10 000 in the previous month or as the average from last 3 months and in the previous month one payment was booked on the account, made with the debit card; otherwise the monthly fee for the payment account shall be PLN 29); 12 equal monthly instalments of PLN 4960.32. The calculation was made as of 16.10.2017 on a representative example.

Prior to granting the loan, the Bank shall evaluate the Applicant’s credit capacity and creditworthiness on a case-by-case basis; in justified situations the Bank may refuse to grant the loan. For detailed information about the Asset-based Loan see our Cash loan regulations/ Regulamin udzielania kredytów Klientom segmentu Prestige oraz Klientom segmentu Bankowości Prywatnej w Banku Millennium S.A. and Pricelist - loan commissions, fees and interest rates - in the Bank’s Branches and on www.bankmillennium.pl website.