The Annual Percentage Rate (APR) is 11.23%, total loan amount (without credited costs): PLN 24 011.00 total amount to be paid: PLN 31 076.84, fixed interest rate 10.69% on an annual basis, total cost of the loan: PLN 7 065.84 (including: 0% commission), interest PLN 7 065.84), 57 equal monthly installments PLN 539.04, the first installment payable 30 days after funds disbursement. The calculation as of April 25th,2025 on a representative example.

The Promotion “Powiedz tak marzeniom-edycja V” lasts from April 26th,2025 until July 25th,2025 and applies to cash granted for period from 48 to 70 months, with disbursed amount from PLN 5 000 to PLN 40 000.

You can participate in promotion if: in the last 6 months, counting from the date of application, you have not had any cash loan with Bank Millennium S.A. (hereinafter also “we”) or consolidation loan, you will undertake to transfer remuneration or net income in the amount specified in the loan agreement, min. PLN 1,000 net per month for the entire repayment period to your current account and you agree to receive commercial and marketing information via electronic channels and for the bank to process your personal data in order to provide us with information on products and services to companies cooperating with us and you will meet the other conditions contained in the Regulations for the promotion of the cash loan “Powiedz tak marzeniom-edycja V”. The promotion cannot be combined with any other cash loan promotions. If there is no declared remuneration or net income in a given month, the interest rate on the loan this month will be increased by 0,4 percentage point, not more than to the amount of the statutory maximum interest, in accordance with art. 359 § 2¹ of the Civil Code - in such a situation, the fixed installment will also change accordingly. The promotion cannot be combined with other promotions regarding cash loans. Detailed terms and conditions of the promotion are included in the promotion “Powiedz tak marzeniom-edycja V” Regulations.

Details on the rules and conditions according to which we grant loans are described in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A. We charge standard fees, commissions and interest in accordance with the terms of loan agreement. Before we grant you a loan, we assess your credit capacity and creditworthiness each time. In justified cases, we may refuse to grant you a loan.

The Annual Percentage Rate (APR) is 18.43%, total loan amount (without credited costs): PLN 18 984.00, total amount to be paid: PLN 28 192.58, fixed interest rate 8.69% on an annual basis, total cost of the loan: PLN 9 208.58 (including: 0% commission, interest PLN 4 540.16, additional services: insurance, the sum of premiums for the entire loan repayment period is PLN 4 668.42 in total, the amount of the premium due for each month of insurance coverage payable on the dates of installment payment is PLN 80.49). Loan agreement concluded for a period of 58 months, the loan is repaid in 58 monthly equal installments in the amount of PLN 402.01, the first installment payable after 30 days from the date of loan disbursement. We made the calculation as of April 25th, 2025 on a representative example, assuming that the insurance cover will last until the end of the loan repayment period and the insurance agreement will not be terminated earlier.

The promotion “Powiedz tak marzeniom z ubezpieczeniem-edycja V” lasts from April 26th,2025 until July 25th,2025 and applies to insured cash loans, given by the Bank Millennium S.A. (further “us”), granted for period of 48 to 70 months with disbursed amount from PLN 5 000 to PLN 40 000.

You can participate in promotion if you meet all of the conditions: if you choose Safe Pożyczka option I insurance contract through us (provided by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A., where Bank i Europa Millennium Finacial Services sp. z o.o. act as an insurance agent available to persons who on the date of concluding the insurance contract are under 65 years of age) and you name us as the entitled party to insurance benefits in the event of your death, and during the last 6 months from the date of application, you have not had a cash or consolidation loan with us, you will undertake to transfer us your remuneration or net income in the amount specified in the loan agreement, at least PLN 1 000 per month net over the entire repayment period to your current account and you agree to receive commercial and marketing information via electronic channels and for the bank to process your personal data in order to provide us with information on products and services of companies cooperating with us and you will meet the other conditions contained in the Regulations for the promotion of the cash loan “Powiedz tak marzeniom-edycja V”. If you do not provide the declared receipt of salary or net income in a given month, the interest rate on the loan this month will be increased by 0.4 percentage point, not more than to the amount of the statutory maximum interest, in accordance with art. 359 § 2¹ of the Civil Code - in such a situation, the fixed installment will be changed accordingly. If during the term of the contracy you resign from the Safe Loan option I insurance contract, we will increase your interest rate by 2.00 percentage points from the day resignation, but not more than up to the statutory maximum interest rate. (Article 539 § 2¹ of the Civil Code)- in such a situation, the fixed installment will also changed accordingly.

A representative example for a Cash Loan: Actual Annual Interest Rate (APR) is: 21.3 %, total loan amount (without credited costs): PLN 21 299.85 total amount to be paid: PLN 34 525.66, fixed interest rate: 11.84 %, total loan cost: PLN 13 225.81 (including: 0% commission (PLN 0), interest: PLN 7 355.66, additional services: insurance, the sum of premiums for the entire loan repayment period is PLN 5 870.15, the amount of the premium due for each month of insurance coverage payable on the installment payment dates is PLN 90.31). The loan agreement was concluded for a period of 65 months, repaid in 65 monthly equal installments of PLN 445.48, the first installment payable after one month from the date of loan disbursement. We performed the calculation on July 3rd, 2025, using a representative example, assuming that the insurance coverage will last until the end of the loan repayment period and the insurance contract will not be terminated earlier.

Detailed rules and conditions according to which we grant loans are described in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A. Fees, commissions and interest are charged in accordance with the terms of the Cash Loan Agreement. Detailed rules for providing insurance covered by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A., under the Protected Loan Insurance, are included in the Terms and Conditions of the Protected Loan Insurance and the Product Card- Protected Loan insurance.

You can familiarize yourself with these documents in our branches and on our website www.bankmillennium.pl.

Before we grant you a loan, we assess your credit capacity and creditworthiness each time. In justified cases, we may refuse to grant you a loan.