Loans

Cash Loan

Make this year's holiday your dream one!

Take advantage of "Dream or make it happen" Cash Loan special offer

Cash Loan Find out more
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The “Marzysz czy spełniasz” (Dream or make it happen) Promotion applies to cash loans granted for a period from 6 to 36 months when the amount to be disbursed under the agreement does not exceed PLN 20,000. One of the conditions of eligibility for the Promotion is to conclude a Bezpieczna Pożyczka insurance agreement and to identify the Bank as beneficiary of the death benefit as well as making an assignment to the Bank of rights under this agreement. The Promotion is available to Clients who during the last 12 months up to the day of filing an application were not a party to an agreement on cash loan in the Bank. The Promotion does not apply to loans assigned for repayment of other credit products. The Promotion shall not be combined with other promotions concerning cash loans and with the offering for persons transferring their salary or net income. The Promotion can be had only once during its period. Detailed terms and conditions of the Promotion are stipulated in “Marzysz czy spełniasz” Promotion Regulations, available in the Bank’s branches and on www.bankmillennium.pl. The Promotion is valid from 3 June to 30 September 2017. The Promotion will become available via Millenet and the current Mobile App not later than on 1 August 2017.

Details concerning the principles of granting loans are contained in the Regulations on Loans Granted to Individuals by Bank Millennium S.A. Fees, commissions and interest are charged as per the Cash Loan Price List. Detailed principles of granting insurance cover under Bezpieczna Pożyczka insurance by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. are stipulated in Bezpieczna Pożyczka Insurance Terms and Conditions as well as in Product Sheet - Bezpieczna Pożyczka Insurance. The above-mentioned documents are available in the Bank’s branches and on www.bankmillennium.pl. Prior to granting the loan the Bank evaluates the Applicant’s credit capacity and creditworthiness on a case-by-case basis; in justified cases the Bank may refuse to grant the loan.

Representative example for Cash Loan with Marzysz czy spełniasz Promotion: Annual Percentage Rate (APR) is 23.16%; total loan amount (net of debt-financed costs): PLN 4,668; total amount due: PLN 5,850.89; fixed interest rate 4.99%; total cost of the loan: PLN 1,182.89 (including: commission 9.99% (PLN 466.33); interest PLN 316.08; insurance PLN 400.48; additional services PLN 0); 26 monthly equal instalments of PLN 225.03. The calculation was made as of 01.05.2017 on a representative example.

Credit cost and legal note
Consolidation Loan

Feel the lightness of one, low instalment

0% commission and 5,67% interest rate on the consolidated amount (APR 14,69%)

Consolidation Loan Find out more
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The “Feel the lightness of low instalment” Promotion applies to consolidation loans granted under the condition of simultaneously concluding the Bezpieczna Pożyczka insurance agreement and also identifying the Bank as the beneficiary of death benefit under the insurance and making an assignment to the Bank of rights under this agreement. The Promotion is valid for Customers who do not have a cash or consolidation loan from Bank Millennium. Other terms and conditions of the Promotion are stipulated in the “Feel the lightness of low instalment” Promotion Regulations. The Promotion is valid from July 1st till November 17th 2017.

Representative example for consolidation loan with “Feel the lightness of low instalment” Promotion: Annual Percentage Rate (APR) is 14.69%; total loan amount (net of credit-financed costs): PLN 28 546.20; total amount due: PLN 43 369.58; fixed interest rate 6.20%; total cost of the loan: PLN 14 823.38 (including: 1.12% commission (PLN 319.72); interest PLN 7 749.04; additional services PLN 6 754.62, including insurance PLN 6 754.62); 78 equal monthly instalments of PLN 556.02. The calculation was made as of 27.06.2017 on a representative example.

The Bank assesses the Applicant’s credit capacity and creditworthiness on a case-by-case basis before granting a consolidation loan; in justified cases it may refuse to grant the loan. Detailed information about the loan is stipulated in the Rules and Regulations on Loans Granted to Individuals by Bank Millennium S.A. as well as in the Cash Loan Price List and Regulations on the Lowest Interest Rate Guarantee Offering, which are available in Millennium branches and on the www.bankmillennium.pl website. Detailed terms and conditions of providing insurance cover under Bezpieczna Pożyczka insurance by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. are stipulated in the Bezpieczna Pożyczka Insurance Terms and Conditions and in the Product Sheet.

Loan cost and legal note
Overdraft

Set your own boundries

Account overdraft now with interest-free period of 45 days counting as of the day your account first becomes overdrawn (APR 8.94%)

Overdraft Check now
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Detailed information on the authorised overdraft limit are provided in the General Rules of provision of banking services to individuals in Bank Millennium SA and in Service Price List available in the bank’s branches and on the web site www.bankmillennium.pl. Prior to granting of the overdraft limit, the bank, each time, performs assessment of creditworthiness and credit capacity of an Applicant and, in justified cases, has the right to refuse granting of the limit. Detailed information on the special offer and Promotion is provided in the „Rules Governing Special Offer of Personal Account Authorised Overdraft Limit” and the Rules of Promotional Campaign „No Interest on Overdraft for a Start” available in Bank branches and on web site www.bankmillennium.pl. Detailed information on the personal account and cards to account can be found in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA, available in the Bank’s branches and on www.bankmillennium.pl.

Minimum overdraft limit is 500 PLN.

Representative example of overdraft limit with no granting fee and under promotion „No Interest on Overdraft for a Start”: Annual Percentage Rate (APR) amounts to 8,94%, total credit amount (without credit financed costs): 3 453,98 PLN, total amount to be paid: 3 727,42 PLN, variable interest rate 10,00%, total credit cost: 273,44 PLN (including: fee 0% (0 PLN), interest 273,44 PLN, additional services 0 PLN, including: insurance 0 PLN, 0 PLN – fee for Konto 360° account, in case of booking minimum 1000 PLN of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise, monthly account fee amounts to PLN 8, lending term: 12 months, throughout the term limit is fully utilised, monthly interest payment, repayment of principal in a single tranche at maturity. The above has been calculated as on 20.04.2017 on a representative example.

Annual Percentage Rate (APR) is 11.32%, total credit amount (without credit financed costs): PLN 3 436.34, total amount to be paid: PLN 3 805.07, variable interest rate 10%, total credit cost: PLN 368.73 (including: fee 0.73% (PLN 25,10), interest PLN 343.63, additional services PLN 0, including: insurance PLN 0, PLN 0 – fee for Konto 360° account, in case of booking minimum 1 000 PLN of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise, monthly account fee amounts to PLN 8, lending term: 12 months, throughout the term limit is fully utilised, monthly interest payment, repayment of principal in a single tranche at maturity. The above has been calculated as on 27.06.2017 on a representative example.

Legal note

Cash Loan

Borrow money quickly, conveniently and with minimum formalities.

Consolidation Loan

Combine all your loans into one and pay one, smaller installment.

Cash Loan - Special offers

Special offer for financial and insurance market specialists.

Overdraft

Benefit from a flexible financing of your current needs.

Loan secured on assets

If you have term deposits in our Bank and you need a quick cash loan – this is a solution for you.