Cash Loan

Check new loan special offer!

"Dream or make it happen" special offer

Make a first step to achieving your dream goals with our special offer on Cash Loan!

  • decide on the loan amount and instalment rate
  • repay you way, from 6 to 36 months
  • don't overspend, with our Lowest Interest Rate Guarantee

The special offer is valid through 24 November 2017. More details in "Dream or make it happen" Promotion regulations

Credit cost and legal note

Loan

Make your plans happen with us

  • Borrow money quickly, conveniently and with minimum formalities
  • Borrow from 1 000 PLN up to 150 000 PLN
  • You will receive initial decision online
  • You benefit from the Lowest Interest Rate Guarantee*

*If within 30 days after signing the loan agreement you find a cheaper offer with the same amount and tenor – we shall reduce your interest rate and will refund the difference on the interest already paid to us.

Credit cost and legal note

Calculator

Check your Loan instalment!

What amount do you want to borrow?
How many monthly instalments?
  • Your rate:
     
  • Annual Percentage Rate (APR)

     


Take a loan

How to borrow

Stop waiting, start acting

  • I am not a Bank Millennium Customer yet:
    1. Fill in the application online

      Apply

    2. You will receive initial decision instantly

      Choose the way you want to sign the agreement

    3. Choose a branch

      Take the documents and sign the agreement

  • If you are our Customer, log on and fill in the application in Millenet.

Insurance

Safe Loan

Attractive insurance Safe Loan will ensure comprehensive support for you and your family in numerous unexpected circumstances, such as:

  • total incapacity to work or disability as a result of an accident,
  • temporary incapacity to work or disability as a result of an accident,
  • loss of work or hospitalization as a result of an accident,
  • serious illness,
  • death.
  • See more details on the insurance here

    What is important, you do not have to choose the risks. Insurance package offers coverage in all the above events and changes automatically depending on your professional situation and current pension/disability pension entitlement.

    Should any of the above unexpected circumstances occur, the Insurer will pay for you:

    • up to 12 instalments if you lose work or up to 6 instalments if you are taken to hospital as a result of accident,
    • even 36 instalments if you are temporarily unfit for work or 25% of the outstanding loan amount in case of death due to accident,
    • the entire outstanding amount of the loan if you are fully unfit for work or 25% of the outstanding loan amount in case of disability as a result of accident,
    • the entire outstanding amount of the loan in case of falling ill with one of serious diseases or in case of death.

    Find out more about the insurance


Useful info

See what you need to take a loan

Do you want to take a Cash loan? Select a document according to your source of income.

  • Employment agreement / Contract of mandate / Author’s contract

    To use the cash loan, attach one of the following documents:


  • Business activity

    To use the cash loan, attach one of the following documents:

    • annual tax return and declaration from the Tax Office/ZUS/KRUS
    • revenue and expense ledger

  • Old-age pension

    To use the cash loan, attach one of the following documents:

    • bank account statement confirming payment of the pension for the last month
    • the last old-age pension slip
    • the last decision on old-age pension indexation
    • decision on awarding the old-age pension

  • Disability pension

    To use the cash loan, attach one of the following documents:

    • bank account statemen
    • bank account statement confirming payment of the pension for the last month
    • the last disability pension slip
    • the last decision on disability pension indexation
    • decision on awarding the disability pension

  • Pre-pension benefit

    To use the cash loan, attach one of the following documents:

    • bank account statement confirming payment of the benefit for the last month
    • the last benefit slip
    • the last decision of the Labour Office/ZUS on benefit indexation
    • decision of the Labour Office/ZUS on awarding the benefit

  • Sailor contract

    To use the cash loan, attach one of the following documents:

    • contracts concluded with ship owners for a period of 12 months with confirmation of salary transfers
    • certificate from the Tax Office

Show all documents

Need more information? Get in touch with us

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Call us!

801 331 331

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Additional information

Credit cost and legal note

Prior to granting the loan, the Bank shall evaluate the Applicant’s credit capacity and creditworthiness on a case-by-case basis; in justified situations the Bank may refuse to grant the loan. For detailed information about the loan see our Cash loan regulations/Regulamin kredytów i pożyczek udzielanych Klientom indywidualnym przez Bank Millennium S.A. and Cash Loan Price List/Cennik Pożyczki Gotówkowej, and Lowest Interest Rate Guarantee Regulations/Regulamin oferty Gwarancja Najniższego Oprocentowania - in the Bank’s Branches and at www.bankmillennium.pl website. For the detailed principles of insurance coverage under Bezpieczna Pożyczka insurance from Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. see Terms & Conditions of Bezpieczna Pożyczka insurance and Product Card/Karta Produktu.

Annual Percentage Rate (APR) is 19.75%; total loan amount (net of credit-financed costs): PLN 10 498.54; total amount due: PLN 17 415.96; fixed interest rate 8.05%; total cost of the loan: PLN 6 917.42 (including: commission 7.32% (PLN 768.49); interest PLN 3 681.45; additional services PLN 2 467.48, including: insurance PLN 2 467.48; 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); 73 equal monthly instalments of PLN 238.57. The calculation was made as of 04.10.2017 on a representative example.

The “Marzysz czy spełniasz II” 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. 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 II” Promotion Regulations, available in the Bank’s branches and on www.bankmillennium.pl. The Promotion is valid from October 1st to November 24th 2017.

The Promotion may be combined with the “Lowest Interest Rate Guarantee”. To get the Lowest Interest Rate Guarantee the Client must present – within 30 days of concluding a cash loan agreement with Bank Millennium S.A. – a loan agreement concluded with another bank or a European Consumer Credit Information form together with a credit decision for the same loan amount and tenor. Remaining terms and conditions of the offering are contained in the Cash Loan with “Lowest Interest Rate Guarantee” 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. 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 II: Promotion: Annual Percentage Rate (APR) is 22.45%; total loan amount (net of debt-financed costs): PLN 6,102; total amount due: PLN 7,722.23; fixed interest rate 4.99%; total cost of the loan: PLN 1,620.23 (including: commission 9.99% (PLN 609.59); interest PLN 446.86; additional services PLN 563.77, including insurance PLN 563.77); 28 monthly equal instalments of PLN 275.79. The calculation was made as of 15.09.2017 on a representative example.

Information about the calculator

The above information contains estimate data for illustration purposes and does not have a binding character. It is for information purposes only and does not constitute an offer, recommendation or invitation addressed to any person (or group of persons) to sign a loan agreement under the presented terms and conditions. In particular this information does not constitute an offer in the meaning of the Act of 23 April 1964 – Civil Code and is also not an investment, financial, tax, legal or any other advice. The information does not reflect assessment of credit capacity calculation and does not satisfy disclosure requirements, stemming from the Act of 12 May 2011 on Consumer Credit. The calculator is based on the Price List of 01.07.2016.