Loans

Cash Loan

Up to 20 000 PLN and 0 PLN commission (APR 7.68%)

Benefit from our Cash Loan promotion and achive your goal

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Representative example for Cash Loan with “winter promotion” promotion: Annual Percentage Rate (APR) is 7.68%, total loan amount (net of loan-financed costs): PLN 15 000; total amount due: PLN 18 000; fixed interest rate 7.42%; total cost of the loan: PLN 3000 (including: fee: 0% (PLN 0); interest PLN 3000; additional services PLN 0 (including: fee for Konto 360° PLN 0 provided that externally-sourced monthly turnover is PLN 1 000 minimum and at least 1 payment is made in a month with the debit card/by BLIK; otherwise the monthly fee for the payment account is PLN 8), 60 monthly equal instalments of PLN 300; first instalment due after 30 days from disbursement of the money. The calculation was made as of 4.12.2018 on a representative example.

The “Winter promotion” promotion is valid from 08.12.2018 till 31.03.2019 and applies to uninsured cash loans granted for the period of 60 months with amount to be disbursed under the agreement PLN 5000 or PLN 10 000 or PLN 15 000 or PLN 20 000. The promotion is available to Customers who do not have a cash or consolidation loan in the Bank at the time of submitting the publication. The promotion: may not be combined with other promotions concerning cash loans; it can be taken only once during its validity and it does not cover loans for repayment of other credit products. Detailed terms and conditions of the Promotion are contained in “Winter promotion” Promotion Regulations available in Millennium branches and on www.bankmillennium.pl.

Details concerning principles of granting loans are contained in the Regulations on Loans Granted to Individuals by Bank Millennium S.A. Fees, commissions and interest rate are charged in accordance with the Cash Loan Price List. The documents mentioned above are available in Millennium branches and on www.bankmillennium.pl. The Bank evaluates the Applicant’s credit capacity and worthiness on a case-by-case basis prior to granting the Loan; in justified cases it may refuse to grant it.

Credit cost and legal note
Consolidation Loan

Make one move and get years of comfort

Move your mortgage to us, get low instalment and attractive interest rate (APR 14.68%)

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Representative example for Consolidation Loan with “Zmień Bank swojego kredytu II edycja” Promotion: Annual Percentage Rate (APR) is 14.68%; total loan amount (net of debt-financed costs): PLN 20 245.06 (including PLN 17 504.62 as the amount for the consolidation of loan products from outside Bank Millennium); total amount due: PLN 31 206.01; fixed interest rate 6.3%; total cost of the loan: PLN 10 960.95 (including: commission 0,8% (PLN 161.96); interest PLN 5840.08; additional services PLN 4958.91, including insurance PLN 4958.91, PLN 0 - fee for Konto 360° account, in case of booking minimum PLN 1 000 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); 81 monthly equal instalments of PLN 385.26. The calculation was made as of 17.08.2018 on a representative example.

Promotion “Zmień Bank swojego kredytu II edycja” 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 cards and overdraft debts) from outside Bank Millennium. One of the conditions of eligibility for the Promotion is to conclude a Bezpieczna Pożyczka insurance. The Promotion shall not be combined with other promotions concerning cash loans and the Promotion can be had only once during its period. The Promotion is valid from 1st of September 2018 to 28th of February 2019.

Detailed terms and conditions of the Promotion are stipulated in “Zmień Bank swojego kredytu II edycja” Promotion Regulations. 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 onwww.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

0 PLN for disbursing additional funds (APR 10.47%)

Benefit from current account Overdraft promotion

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Representative example of overdraft limit (overdraft facility) with “Limit w koncie osobistym bez prowizji za przyznanie” promotion: Annual Percentage Rate (APR) is 10.47%, total credit amount (without credit financed costs): PLN 3 010,75, total amount to be paid: PLN 3 311,82, variable interest rate 10%, total credit cost: PLN 301,08 (including: fee 0.00% (PLN 0), interest PLN 301,08, additional services PLN 0, including: insurance PLN 0, PLN 0 – 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 12.12.2018 on a representative example.

Promotion "Limit w koncie osobistym bez prowizji za przyznanie " is valid till 31 January 2020 and applies to clients who currently do not have and for the past 3 months have not had Bank Millennium Overdraft. Detailed information on the promotion and on the authorised overdraft limit, including information on set-up fee and interest rate, is provided in "Limit w koncie osobistym bez prowizji za przyznanie” promotion 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. Detailed information on the personal accounts 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. The aforementioned documents are available in Bank 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.

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.