Cash Loan

Don't miss golden opportunity

For each 5000 PLN borrowed you pay only 100 PLN and no commission

Benefit from our Cash Loan promotion conveniently online:

  • borrow - 5 000, 10 000, 15 000 or 20 000 PLN
  • pay fixed instalment - 100 PLN for each 5 000 PLN borrowed
  • no commission (APR 7.68%)

Special offer is valid from 1 September till 16 November 2018. You will find details in the Regulations of the special offer "100 zł raty za każde 5000 zł pożyczki II" (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 10.60%

*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 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

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

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.

Annual Percentage Rate (APR) is 10.60%; total loan amount (net of credit-financed costs): PLN 12 005,78; total amount due: PLN 16 368,69; fixed interest rate 8,39%; total cost of the loan: PLN 4 362,91 (including: commission 5,15% (618,30 zł); interest PLN 3 744,61; additional services PLN 0, including: 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); 77 equal monthly instalments of PLN 212,58. The calculation was made as of 05.10.2018 on a representative example.

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.

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.