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With our Cash Loan in promotion (RRSO 11.56%). Up to PLN 40,000, without commission. (APR 11.56%)
Promotion lasts till 26 July 2024. Details in "Powiedz tak marzeniom" promotion regulationsfor: Cashloanlink opens in a new window - in Polish.
Credit cost and legal note
Calculate your cash loan instalment in promotion
Your instalment
100,00 zł
Minimum instalment is 50 PLN.
Annual Percentage Rate (APR)
10,00%
Masz kredyt w inynym Banku?
In our offer we always lend:
Calculate your cash loan instalment in the standard offer
Your instalment
100,00 zł
Minimum instalment is 50 PLN.
Annual Percentage Rate (APR)
10,00%
If you are not yet our Client, check out our promotional online loan offer for new clients.
If you are our Client, apply in Millenet or the mobile application..
Attractive insurance Loan under protection will ensure comprehensive support for you and your family in numerous unexpected circumstances.
If, at the day of concluding the insurance agreement, you are under 65, the insurance is available to you in Option 1 and will provide support in such situations as:
Insurer will also allow you to receive second medical opinion in foreign medical facility.
If you are over 65 at the time of concluding the insurance agreement, the insurance is available to you in Option 2 and will provide support in situations such as:
Would you like to benefit from a Cash Loan?
Attach one of the documents:
When you apply, log in to the bank account where your salary is received and we will automatically download your transaction history and verify your income. Choose this form of verification if your salary from an employment contract is paid to Alior Bank, ING Bank Śląski, mBank, PKO BP, Bank Santander, BNP Paribas or Inteligo. You can find the details of the service and the rules and regulations of open banking on the Bank's website under Electronic Banking.
Cash Loan is our consumer credit product that we offer to individual customers.
To contract a Cash Loan, you must be of legal age and creditworthy.
Yes, the loan is available to both new and existing customers. You can always visit our branch of your choice and speak to an advisor. However, most often our customers choose to conveniently and securely apply for a loan either on the app or through our online banking service.
Yes, check if you qualify to take advantage of the Cash Loan promotion. If not - we encourage you to choose the standard offer. At the same time, we have a dedicated promotional offer for new customers who apply for a cash loan online.
You can borrow as much as PLN 40,000 in the Cash Loan promotional offer. However, in the standard loan offer the maximum amount is as much as PLN 250,000.
You can borrow from PLN 5,000 in the Cash Loan promotional offer. However, in the standard offer the loan is available from as little as PLN 1000.
The minimum and maximum loan repayment period (in months) depends on the type of offer:
We consider a wide range of income sources, including, but not limited to, an employment contract, a contract of mandate, a contract for specific work, a pension, as well as income from a business. Final approval is considered on a case-by-case basis by the Bank.
The easiest way would be to use our free cash loan calculator..
The calculator allows you to carry out a real-time calculation of the cash loan instalment amount. The result is available to all interested parties, including those who are not yet customers of Bank Millennium. The cash loan calculator allows you to make any number of free simulations.
Using the slider, you select your preferred amount, and in the next step you specify the number of instalments (the time over which you want to spread the repayment). This will give you an initial estimated instalment amount in terms of price terms. Indicate whether your salary is credited to your Bank Millennium account. If yes, we will reduce the interest rate on the Cash Loan.
Indicate whether the repayment of your loan is to be insured. If yes, we will:
You can use the cash you borrow with a Cash Loan for any purpose or to repay your other loans. You can also finance your plans or needs, such as:
By choosing our Cash Loan you can finance any consumption purpose, including a purchase of a new car.
Credit cost and legal note
A representative example for the Cash Loan with promotion “Zimowe okazje edycja II”: The Annual Percentage Rate (APR) is 12.01%, total loan amount (without credited costs): PLN 21 551.97, total amount to be paid: PLN 28 131.74, fixed interest rate 11.40% on an annual basis, total cost of the loan: PLN 6 579.77 (including: 0% commission), interest PLN 6 579.77), 58 monthly installments equal to PLN 485.03, the first installment payable 30 days after disbursement the funds. The calculation as of January 27th,2024 on a representative example.
The Promotion “Zimowe okazje edycja II” lasts from January 27th,2024 until April 26th,2024 and applies to cash granted for period from 48 to 70 months, with the amount to disburse from PLN 5 000 to PLN 40 000.
You can take advantage of the promotion if you have not had a cash or consolidation loan with Bank Millennium S.A. (further “us”) in the last 6 months from the date of application, you will undertake the transfer of 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 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. The promotion cannot be combined with any other cash loan promotions. If there is no declared inflow 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. Detailed terms and conditions of the promotion are included in the promotion “Zimowe okazje edycja II” 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 Cash Loan Price List.
You can familiarize yourself with these documents in our branches and on our website www.bankmillennium.pl.
A representative example for the Cash Loan with promotion “Zimowe okazje z ubezpieczeniem edycja II”: The Annual Percentage Rate (APR) is 17.90%, total loan amount (without credited costs): PLN 19 661.73, total amount to be paid: PLN 29 050.40, fixed interest rate 9.10% on an annual basis, total cost of the loan: PLN 9 388.67 (including: 0% commission, interest PLN 5 731.59, additional services: insurance: PLN 3 657.08), 60 monthly installments equal to PLN 484.17, the first installment payable 30 days after disbursement the funds. The calculation as of January 27th,2024 on a representative example. The promotion “Zimowe okazje z ubezpieczeniem edycja II” lasts from January 27th,2024 until April 26th,2024 and applies to insured cash loans, given by the Bank Millennium S.A. (further “us”), granted for period of 48 to 70 months with the amount to disburse paid under the contract in the amount of PLN 5 000 to PLN 40 000.
You can take advantage of the promotion if you conclude the Safe Pożyczka option I insurance contract through us (provided by Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A., available to persons who on the date of concluding the insurance contract are under 65 years of age), 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 us an income transfer in the amount specified in the loan agreement, min. PLN 1 000 per month net over the entire repayment period to your current account and you agree to receive commercial 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. If there is no declared inflow 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 Pożyczka option I insurance contract, we will increase yor interest rate by 3.03 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 be changed accordingly.
The promotion cannot be combined with other cash loan promotions. The detailed conditions of the promotion are in the Regulations promotion “Zimowe okazje z ubezpieczeniem edycja II”. 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. Standard fees, commissions and interest are charged in accordance with the Cash Loan Price List. Detailed rules for providing insurance coverage 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.
A representative example for a Cash Loan: Actual Annual Interest Rate (APR) is: 24.70%, total loan amount (without credited costs): PLN 14 675,18 total amount to be paid: PLN 26 340,03, fixed interest rate: 11.92%, total loan cost: PLN 11 664,85 (including: 5.92% commission (PLN 868,77), interest: PLN 7 423,04, additional services: insurance PLN 3 373,04, 70 monthly installments equal to: PLN 376,29, the first installment is payable after 30 days from the disbursement of funds. We made the calculation on July 1 st, 2023 on a representative example. 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 Cash Loan Price List.
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.
