Loans

Cash Loan

Pay instalment of only 100 PLN for each 5000 PLN you borrow (APR 7.68%)

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Representative example for Cash Loan with „100 zł raty za każde 5000 zł pożyczki” promotion: Annual Percentage Rate (APR) is 7.68%; total loan amount (net of debt-financed costs): PLN 5,000; total amount due: PLN 6,000; fixed interest rate 7.42%; total cost of the loan: PLN 1,000 (including: commission 0% (PLN 0); interest PLN 1,000; additional services PLN 0, including insurance PLN 0); 60 monthly equal instalments of PLN 100. The calculation was made as of 24.11.2017 on a representative example.

Promotion „100 zł raty za każde 5000 zł pożyczki” is valid from 25 November 2017 till 15 April 2018 and applies to uninsured Cash Loans grandted for a period of 60 months with total loan amount of PLN 5,000, or PLN 10,000 or PLN 15,000. The Promotion is available to Clients who during the day of filing an application were not a party to an agreement on cash loan in the Bank and declare in Cash Loan agreement to transfer their salary or net income to current account in Bank Millennium. Offer will be available in Millenet and mobile application by 20 January 2018. The Promotion can be had only once during its period. 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.

Detailed terms and conditions of the Promotion are stipulated in „100 zł raty za każde 5000 zł pożyczki” Promotion Regulations. 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. 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. The borrower has the right to withdraw from the agreement within 14 days from the date it was concluded without stating the reasons.

Credit cost and legal note
Consolidation Loan

Move your loan to us and pay no commission (APR 14.70%)

Get attractive interest rate and low instalment

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Representative example for Consolidation Loan with “Change the bank of your credit to Bank Millennium”/”Zmień bank swojego kredytu na Bank Millennium” Promotion: Annual Percentage Rate (APR) is 14,70%; total loan amount (net of debt-financed costs): PLN 27259.83; total amount due: PLN 41028.76; fixed interest rate 6.31%; total cost of the loan: PLN 13768.93 (including: commission 0.82% (PLN 223.53); interest PLN 7279.19; additional services PLN 6226.21, including insurance PLN 6226.21); 76 monthly equal instalments of PLN 539.85. The calculation was made as of 9.11.2017 on a representative example.

Promotion “Change the bank of your credit to Bank Millennium”/”Zmień bank swojego kredytu na Bank Millennium” applies to consolidation loans. The Consolidation Loan is a loan, part or all of the granted amount of which is assigned for consolidation of credit products (credits, cash loans, credit card and overdraft debt) from outside Bank Millennium. One of the conditions of eligibility for the Promotion is to conclude a Bezpieczna Pożyczka insurance and identifying the Bank as the party eligible under the insurance agreement. The promotion is available for Clients who are not a party to an agreement on cash loan or consolidation loan in the Bank. 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. The Promotion is valid from 2017, November 25th to 2018, April 15th. Detailed terms and conditions of the Promotion are stipulated in “Change the bank of your credit to Bank Millennium”/”Zmień bank swojego kredytu na Bank Millennium” Promotion Regulations, available in the Bank’s branches and on www.bankmillennium.pl.

Fees, commissions and interest are charged as per the Cash Loan Price List. Details concerning the principles of granting loans are contained in the Regulations on Loans Granted to Individuals by Bank Millennium S.A. 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.

Loan cost and legal note
Overdraft

Discover a smart solution for extra expenses

Get overdraft for 0 PLN and benefit from additional funds every time you need (APR 10,47%)

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Representative example of overdraft limit with no set-up fee and with “30 days without interest III” promotion: Annual Percentage Rate (APR) is 9.52%, total credit amount (without credit financed costs): PLN 5 756.79, total amount to be paid: PLN 6 284.50, variable interest rate 10%, total credit cost: PLN 527.71 (including: fee 0.00% (PLN 0), interest PLN 527.71, 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 24.10.2017 on a representative example.

Detailed information on the special offer and on the authorised overdraft limit, including information on set-up fee and interest rate, is provided in "Limit w koncie osobistym za 0 zł” special offer Regulations, Promotion “Limit 30 dni bez odsetek III” Regulations, General Rules of provision of banking services to individuals in Bank Millennium SA and in Service Price List - loan commissions, fees and interest rates, available in the Bank’s branches and on 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. Interest on overdraft used shall be collected every monthly settlement cycle for the following period: from the last day of the previous month until the last-but-one day of the current month. If the personal account overdraft was used for up to any 7 days in the monthly settlement cycle, interest shall not be accrued (this applies to personal account overdrafts up to PLN 150 000). If the overdraft was used for more than 7 days, interest shall be accrued for all the days of the overdraft and the accrued interest shall be collected on the last business day of the month.

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. Minimum overdraft limit is PLN 500.

Legal note and loan cost

Cash Loan

Borrow money quickly, conveniently and with minimum formalities.

Consolidation Loan

Move your loans to Bank Millennium and pay one low instalment

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.