Loans

Cash Loan

Don't miss your chance

Make the most of our cash loan promotion - pay only 100 PLN for each 5 000 PLN borrowed (APR 7.68%)

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Representative example for Cash Loan with „100 zł raty za każde 5000 zł pożyczki II edycja” promotion: Annual Percentage Rate (APR) is 7.68%; total loan amount (net of debt-financed costs): PLN 15000; total amount due: PLN 18000.00; fixed interest rate 7.42%; total cost of the loan: PLN 3000.00; including: commission 0% (PLN 0); interest PLN 3000.00; additional services PLN 0, (including insurance PLN 0, PLN 0 - fee for Konto 360° account, in case of booking minimum PLN 1000 of externally sourced turnover on the account and at least 1 payment made with use of the debit card/BLIK per month; otherwise monthly account fee amounts to PLN 8); 60 monthly equal instalments of PLN 300, first installment paid after 30 days from disbursement. The calculation was made as of 31.08.2018 on a representative example.

Promotion „100 zł raty za każde 5000 zł pożyczki II edycja” is valid from September 1st till November 16th 2018 and applies to uninsured Cash Loans granted for a period of 60 months with total loan amount of PLN 5000, or PLN 10000, or 15000, or PLN 20000. 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 will transfer net income to their current account in the Bank during whole repayment period. 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 II” Promotion Regulations available in branches and in www.bankmillennium.pl.

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 information about Lowest Interest Rate Guarantee see Lowest Interest Rate Guarantee Regulations/Regulamin oferty Gwarancja Najniższego Oprocentowania. 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
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

Having more in account is a pleasant surprise

Withl Current Account Overdraft you gain constant access to additional funds whenever you need - with no commission (APR 10.47%)

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Representative example of overdraft limit with “Limit w koncie osobistym za 0 zł” special offer: Annual Percentage Rate (APR) is 10.47%, total credit amount (without credit financed costs): PLN 5586.98, total amount to be paid: PLN 6145.68, variable interest rate 10%, total credit cost: PLN 558.70 (including: fee 0.00% (PLN 0), interest PLN 558.70, 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 23.02.2018 on a representative example.

Special offer "Overdraft for 0 PLN" (Limit w koncie osobistym za 0 zł) is valid till 31 December 2018 and applies to clients who currently do not have and for the past 6 months have not had Bank Millennium Overdraft. 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, 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.

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.