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Take part in the promotion and lower your interest rate!
Benefit from the Consolidation Loan promotion APR 14.57% with Safe Loan insurance:
- enjoy a lower interest rate – only 5.7% on consolidated amount
- get insurance cover, thanks to which you will receive help in many unexpected circumstances
About the loan
Lowest Instalment 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.
0% fee on the consolidated amount
With our loan on consolidated funds you will not pay any commission, and their APR will be only 8.83%.
Combine your liabilities (e.g. credit card and overdraft debt, cash and car loans) and you can pay one convenient instalment.
Safe Loan insurance will ensure comprehensive support for you and your family in numerous unexpected circumstances. You can use it easily and conveniently – when concluding loan agreement in a branch or Millenet. The premium is only 0.3% of the graned amount of the loan per month and is added to the loan. Thanks to the insurance you can get support in case:
- 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 or death
Would you like to benefit from Consolidation Loan? Select a document according to your source of income.
- Employment agreement / Contract of mandate / Author’s contract
- Sole proprietorship
- Retirement pension
- Disability pension
- Pre-retirement benefit
One of the options below:
- employer confirmation of your income for the last 3 months
- PIT for last year
- proof of income - in Polish
- annual tax return and a certificate from the Tax Office or a certificate from the ZUS/KRUS
- revenue and expense ledger
- confirmation of pension transfer for the last month
- last pension payslip
- last decision on indexation
- last decision on pensionable remuneration
- confirmation of disability pension transfer for the last month
- last disability pension payslip
- last decision on remuneration
- decision on granting the disability retirement pension
- confirmation of benefit transfer for the last month
- last benefit payslip
- last decision on remuneration
- decision on granting the benefit
Representative example for Consolidation Loan with “Cash Loan with convenient installment” Promotion: Annual Percentage Rate (APR) is 14.57%; total loan amount (net of debt-financed costs): PLN 34 867.59 (including PLN 25 477.49 zł as the amount for the consolidation of loan products from outside Bank Millennium); total amount due: PLN 49 544.02; fixed interest rate 6.2%; total cost of the loan: PLN 14 686.43 [including: commission 0.8% (PLN 278.94); interest PLN 7 553.92; additional services PLN 6 853.57, including insurance 6 853.57, PLN 0 - fee for Konto 360° account, in case of booking minimum PLN 1000 of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise the monthly fee for the payment account is PLN 8)]; 65 monthly equal instalments of PLN 762.37. The calculation was made as of 26.02.2019 on a representative example.
Promotion “Cash Loan with convenient installment” 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 2nd of March 2019 to 10th of May 2019.
Detailed terms and conditions of the Promotion are stipulated in “Cash Loan with convenient installment” 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 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 of Consolidation Loan without promotion: 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% (PLN 808.02); interest PLN 13 922.03; additional services PLN 0, including: PLN 0 - fee for Konto 360° account, in case of booking minimum PLN 1000 of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise the monthly fee for the payment account is PLN 8)]; 84 equal monthly instalments of PLN 706.81. The calculation was made as of 05.10.2018 on a representative example.