Cash Loan - Special Offers

About the special offer

Who may apply?

Until 31st of December 2017 you may take a Cash loan on attractive terms.

You just need to be an employee of:

  • a commercial bank, cooperative bank or a company from the capital group of such bank,
  • an insurance company or a company from its capital group,
  • a credit union,
  • a brokerage house,
  • an investment fund company.

Why do it?

  • fixed, low commission - only 2% (APR 7,48%)
  • interest rate as low as 5,50% (APR 7,48%)
  • long credit term: 108 months (120 months in case of consolidation loan)
  • fast credit decision

How to apply?

How can you apply?

Choose a branch

Find a branch

What documents do you need to take the loan?

You just have to present a document that proves that you are remunerated by an eligible institution. It may be, for instance, your employment certificate or statement from your bank account. The other documents related to product application depend on the form of your employment.

Select the document according to your source of income.

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

    To take the cash loan, attach one of the documents:

  • Business activity

    To take the cash loan, attach one of the documents:
    • annual tax return and certificate from the Tax Office/ZUS/KRUS
    • revenue and expense ledger

  • Pension

    To take the cash loan, attach one of the documents:

    • bank account statement confirming  receipt of the pension for the last month
    • your last pension slip
    • the last decision on indexation of the pension
    • decision on granting the pension

  • Disability pension

    To take the cash loan, attach one of the documents:

    • bank account statement
    • bank account statement confirming receipt of the disability pension for the last month
    • your last disability pension slip
    • the last decision on indexation of the disability pension
    • decision on granting the disability pension

  • Pre-retirement benefit

    To take the cash loan, attach one of the documents:

    • bank account statement  confirming receipt of the benefit for the last month
    • your last benefit slip
    • the last decision of the Labour Office/ZUS on indexation of the benefit
    • decision of the Labour Office/ZUS on granting the benefit

  • Seaman’s contract

    To take the cash loan, attach one of the documents:

    • contracts concluded with ship-owners for the period of 12 months with confirmation of remuneration payments
    • certificate from the Tax Office

Important documents

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Additional information

Credit cost and legal note

Before granting the loan, the bank assesses credit capacity and credit worthiness of the Applicant on a case-by-case basis; when justified, the bank may reject the application. For the loan details see the Regulations on loans granted to individual clients by Bank Millennium S.A. and Cash Loan Price List, and Regulations for the Lowest Interest Rate Guarantee offer available at the Bank’s branches and on the www.bankmillennium.pl website. For details of the insurance protection provided by Bezpieczna Pożyczka/Safe Loan insurance from Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. see Bezpieczna Pożyczka Insurance Terms and Product card.

A representative example for the loan in the limited offer for selected employees from the financial and insurance sector: Annual Percentage Rate (APR) is 7,48%, total loan amount (excluding credited costs): 18 234,00 PLN, total amount to be paid: 22 283,50 PLN, fixed interest rate 6,50%, total cost of credit: 4 049,50 PLN (including: 2,00% commission (364,68 PLN), interest 3 684,82 PLN, insurance 0 PLN, additional services 0 PLN - Konto 360° fee, in case of crediting the account with min. 1000 PLN of external incoming funds and min. 1 payment with the account card / BLIK per month; otherwise, the monthly account fee is 8 PLN), 68 equal monthly instalments 327,70 PLN each. The calculation was performed as at 27.06.2017.

Special offer for selects employees from the financial and insurance sector is combined with “Lowest Interest Rate Guarantee” offer. As a condition for using the Lowest Interest Rate Guarantee, within 30 days from the day of concluding the cash loan agreement with Bank Millennium S.A., client has to present a loan agreement concluded with another bank or European Information Form with credit decision for the same loan amount and credit period. For the other terms and conditions of the offer see the Regulations of the Cash Loan with “Lowest Interest Rate Guarantee”.