Consolidation Loan

Special offer "Zmień bank swojego kredytu – II edycja" with Safe Loan insurance

Benefit from the special offer and move your loans to Bank Millennium (APR 14.68%)!

Combine all your dues (such as: debt like credit card and overdraft debt and cash loans) and pay one convenient instalment:

  • 5.7% interest rate on consolidated amount
  • 0% commission on consolidated amount
  • with Safe Loan insurance

Special offer is valid from 1 September 2018 till 28 February 2019. You will find details in the Regulation of special offer "Zmień bank swojego kredytu − II edycja" - in Polish

Credit cost and legal note

Loan

Combine all your loans, pay one instalment and get additional funds thanks to our convenient Consolidation Loan. You can consolidate many kinds of debt like credit card and overdraft debt, cash and car loans.

  • Lowest Instalment Guarantee*
  • 0% fee on the consolidate amount (APR 8.83%)
  • Time saving – you pay just one low instalment

*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.

Information about the loan cost

How to borrow

  • Over the phone

    1. 1

      Prepare account numbers

      We will transfer funds to cover your existing debts

    2. 2

      Contact us

      call TeleMillennium
      801 331 331

    3. 3

      We quickly transfer funds

      Within 1 day from signing the agreement


  • At a branch

    1. 1

      Prepare the document

      Select a document confirming your revenue from the list

    2. 2

      Visit any Bank Millennium branch

      Here you will check the branches closest to you

    3. 3

      We quickly transfer funds

      Within 1 day from signing the agreement


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 Consolidation Loan? Select a document according to your source of income.

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

    In order to take a Consolidation Loan, you need to attach one of these documents:


  • Business activity

    To use the consolidation 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 consolidation 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 consolidation 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 consolidation 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 consolidation 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

Any questions or doubts? Contact us

Fill in the form.
We will call you back!

Fill in the form

If you prefer…
Call us!

801 331 331

landlines and mobile phones

Additional information

Information about the loan cost

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.

Annual Percentage Rate (APR) is 8,83%; total loan amount (net of credit-financed costs): PLN 44 642,12; total amount due: PLN 59 372,18; fixed interest rate 7,93%; total cost of the loan: PLN 14 730,06 (including: commission 1,81% (808,02 zł); interest PLN 13 922,03; 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); 84 equal monthly instalments of PLN 706,81. The calculation was made as of 05.10.2018 on a representative example.

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.