Since 25.08 It will not be possible to log in to Millenet from the version of the browser you are now using. Update the browser on your device and use online banking in a comfortable and secure way.
Update the browser
Merge your loans
Transfer your borrowings and cash loans to us and, thanks to consolidation, pay one convenient instalment with a fixed interest rate (APR 10.7%).
About a consolidation loan
0% commission
You will not pay any commission for consolidating borrowings or cash loans from other banks.
Also we offer 0 PLN commission on the amount of additional funds selected for any purpose. The APR for the representative example is 18.2% for the cash loan offer with insurance.
Saving time
Merge your commitments and pay one convenient instalment. Examples of commitments you can merge:
- credit card debt or overdrafts
- cash loans
- car loans or instalment loans
Consolidation with the option for extra cash
We offer consolidation of multiple liabilities:
- loan/cash credit
- credit card
- overdraft
- car loan
- consumer credit for the purchase of goods and services
In addition to the consolidation of loans, you have an opportunity to add additional funds for any purpose up to a total of 250 000 PLN as long as you receive a positive credit decision. This offer does not include the consolidation of mortgage products.
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.
The consolidation loan under protection
Pozyczka pod ochrona Insurance will provide comprehensive support for you and your loved ones in many difficult life situations. You can conclude insurance conteact easy and comfortably – during concluding cash loan agreement in branchor in Millenet. Insurance premium is only 0,424% of loan amount monthly. Thans to the insurance, accordingly to definitions of below concepts and limitations of cover included in Insurance Terms and Conditions you can receive support in case of:
- critical illness
- death
- loss of job or death as a result of an accident
- temporary inability to work or disability
Insurer will also allow you to receive second medical opinion in foreign medical facility
Where to get consolidation
- Online
-
If you are not yet our client, please contact us.
If you are our client, submit your application in Millenet or the mobile app.
- TeleMillennium
-
- In our branches
-
Required documents
Would you like to benefit from Consolidation Loan? Select a document according to your source of income.
- Employment agreement / Contract of mandate / Author’s contract
- Sole proprietorship
- Retirement pension
- Disability pension
- Pre-retirement benefit
One of the options below:
- employer confirmation of your income for the last 3 months
- PIT for last year
- proof of income - in Polish
- annual tax return and a certificate from the Tax Office or a certificate from the ZUS/KRUS
- revenue and expense ledger
- confirmation of pension transfer for the last month
- last pension payslip
- last decision on indexation
- last decision on pensionable remuneration
- confirmation of disability pension transfer for the last month
- last disability pension payslip
- last decision on remuneration
- decision on granting the disability retirement pension
- confirmation of benefit transfer for the last month
- last benefit payslip
- last decision on remuneration
- decision on granting the benefit
FAQ
Important information
- ???link.opens.in.new.window??? Income certificate - in Polish
- ???link.opens.in.new.window??? Declaration on resignation from the Agreement of Cash Loan - in Polish
- ???link.opens.in.new.window??? Loans Regulations - valid from 13.02.2026 (in Polish)
- ???link.opens.in.new.window??? Loans Regulations - for agreements concluded from 29.03.2025 to 26.06.2025 (in Polish)
- ???link.opens.in.new.window??? Loans Regulations - valid from 27.06.2025 to 12.02.2026 (in Polish)
- ???link.opens.in.new.window??? Loans Regulations - for agreements concluded from 08.03.2025 to 28.03.2025 (in Polish)
- ???link.opens.in.new.window??? Loans Regulations - for agreements concluded from 20.10.2021 to 07.03.2025 (in Polish)
- ???link.opens.in.new.window??? Loans Regulations - for agreements concluded from 20.10.2021 till 31.05.2024 (in Polish)
- ???link.opens.in.new.window??? Loans Regulations - for agreements concluded till 19.10.2021 (in Polish)
- ???link.opens.in.new.window??? Regulamin promocji „Niska rata - wygodna spłata” - in Polish
- ???link.opens.in.new.window??? Regulamin promocji „Niska rata - wygodna spłata II edycja” - in Polish
- ???link.opens.in.new.window??? "Niska rata wygodna spłata III edycja" - promotion regulations in Polish
- ???link.opens.in.new.window??? "Zyskaj konsolidując" - promotion regulations - in Polish
Credit cost and legal note
-
Credit cost and legal note
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.