Cash Loan

Bestselling offer for you

We lend up to 20 000 PLN with no commission

Benefit from Cash Loan promotion (APR 7.68%):

  • apply conveniently online
  • instalment is only 100 PLN for each 5000 PLN borrowed
  • early repayment at no charge

Promotion is valid from 19 October 2019 till 31 January 2020. Details in "Autumn promotion" regulations - in Polish

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 benefit from the Lowest Interest Rate Guarantee*
  • APR 10.67%

*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)

     


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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.

How to borrow

Stop waiting, start acting

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

      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

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801 331 331

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Additional information

Credit cost and legal note

Representative example for Cash Loan with “Autumn 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 01.10.2019 on a representative example.

The “Autumn promotion” is valid from 19.10.2019 till 31.01.2020 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 did not have a cash loan or consolidation loan in the Bank 12 months before the time of submitting the application. 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.

Representative example for Cash Loan: Annual Percentage Rate (APR) is 10,67%, total loan amount (net of loan-financed costs): 15 505,84 zł ; total amount due: 19 697,74 zł ; fixed interest rate 7,71%; total cost of the loan: 4 191,90 zł (including: fee: 5,77% (894,69 zł); interest 3 297,21 zł; additional services 0 zł (including: fee for Konto 360° 0 zł provided that externally-sourced monthly turnover is 1 000 zł 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 8 zł)), 58 monthly equal instalments of 339,62 zł; first instalment due after 30 days from disbursement of the money. The calculation was made as of 03.09.2019 on a representative example.

Detailed terms and conditions of the Promotion are contained in “Autumn promotion” Regulations available in Millennium branches and on www.bankmillennium.pl. Detailed terms and conditions of the Promotion are contained in “Autumn 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 http://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.