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Realise them with our Cash Loan in promotion (APR 11.45%). Up to PLN 40 000, without commission
Take a Cash Loan in a promotion for any purpose (APR 11.45%):
Promotion lasts till 18 January 2025. Details in "Powiedz tak marzeniom-edycja III" promotion regulations and "Powiedz tak marzeniom z ubezpieczeniem edycja III" 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%
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..
We encourage you to have attractive insurance Pozyczka pod ochrona, which opens a protective umbrella over you and your family, protecting against the effects of unforeseen fortuitous events.
If at insurance contract conclusion date you are under 65 years old you can have insurance in Variant 1 that provides insurance cover in following situations:
The insurer will also enable you to obtain a second medical opinion at a foreign medical facility.
If at insurance conclusion date you have finished 65 years you can have insurance in Variant 1 that provides insurance cover in following situations:
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.
A Cash Loan is a special offer of a cash loan for any purpose, which we offer to individual customers at Bank Millennium.
To receive a Cash Loan, you must be of legal age and creditworthy, i.e. able to repay in monthly instalments.
Cash Loan in promotion can be obtained by both existing and new customers of Bank Millennium after meeting the terms and conditions described in the promotion's terms and conditions. You can always visit our selected branch and talk to an advisor. However, most often our customers choose conveniently and safely in the app or through the internet banking service. Check if you meet the conditions to take advantage of a Cash Loan promotion. If not - we encourage you to choose the standard offer.
Yes, we have a promotional loan offer for new customers. Find out what a fast online cash loan is and apply for extra cash in 3 easy steps (APR: 11.45%).
You can borrow up to 40,000 PLN in a Cash Loan promotional offer. However, in the standard loan offer, the maximum amount is up to 250,000 PLN.
You can borrow from 5,000 PLN in the promotional cash loan offer and from as little as 1,000 PLN in the standard cash loan offer.
The minimum and maximum cash loan repayment period (in months) depends on the type of offer:
We recognise a wide range of income sources when applying for a cash loan, including an employment contract. In addition to this, we also honour: contract of mandate, contract for specific work, pension, as well as income from a business.
Final acceptance of the source of income proposed in the loan application is considered on a case-by-case basis by the Bank.
There are a number of ways to calculate a cash loan instalment: by using a formula or by using spreadsheets. A quick way to calculate the estimated instalment will be a free cash loan calculator.
The calculator allows you to calculate your cash loan instalment in real time. 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, specify the number of instalments (the length of time you want to spread the repayment over). 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 a Cash Loan.
Indicate whether the repayment of your loan is to be insured. If yes, we will reduce the interest rate on your Cash Loan.
You can use the cash you borrow with your Cash Loan for any consumption purpose or to repay your other loans. Finance your plans or needs with our Cash Loan, such as:
With our Cash Loan you can finance any consumption purpose, including the purchase of a new or used car, without additional formalities. You can use the cash loan not only for any car, but also: a motorbike, a scooter, a quad or an electric bicycle.
Credit cost and legal note
A representative example for the Cash Loan with promotion “Powiedz tak marzeniom-edycja III”: The Annual Percentage Rate (APR) is 11.45%, total loan amount (without credited costs): PLN 22 899.05 total amount to be paid: PLN 29 431.41, fixed interest rate 10.89% on an annual basis, total cost of the loan: PLN 6 532.33 (including: 0% commission), interest PLN 6 532.33), 57 equal monthly installments PLN 516.34, the first installment payable 30 days after funds disbursement. The calculation as of October 19th,2024 on a representative example.
The Promotion “Powiedz tak marzeniom-edycja III” lasts from October 19th,2024 until January 18th,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 III”. 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 III” 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.
The Annual Percentage Rate (APR) is 18.62%, total loan amount (without credited costs): PLN 20 974.87, total amount to be paid: PLN 31 215.13, fixed interest rate 8.89% on an annual basis, total cost of the loan: PLN 10 240.26 (including: 0% commission, interest PLN 4 993.39, additional services: insurance, the sum of premiums for the entire loan repayment period is PLN 5 246.87 in total, the amount of the premium due for each month of insurance coverage payable on the dates of installment payment is PLN 88.93). Loan agreement concluded for a period of 59 months, the loan is repaid in 59 monthly equal installments in the amount of PLN 440.14, the first installment payable after 30 days from the date of loan disbursement. We made the calculation as of October 19th, 2024 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 III” lasts from October 19th,2024 until January18th,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 III”. 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 yor 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.
The promotion cannot be combined with other cash loan promotions. The detailed conditions of the promotion are in the Regulations promotion “Powiedz tak marzeniom z ubezpieczeniem-edycja III”.
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.
A representative example for a Cash Loan: Actual Annual Interest Rate (APR) is: 22,65%, total loan amount (without credited costs): PLN 19 610.25 total amount to be paid: PLN 34 274,29, fixed interest rate: 12.91%, total loan cost: PLN 14 664,04 (including: 0% commission (PLN 0), interest: PLN 8 403.05, additional services: insurance, the sum of premiums for the entire loan repayment period is PLN 5 820.50, the amount of the premium due for each month of insurance coverage payable on the installment payment dates is PLN 83.15). The loan agreement was concluded for a period of 70 months, repaid in 70 monthly equal installments of PLN 400.19, the first installment payable 30 days after the loan disbursement. We performed the calculation on October 19th, 2024, 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 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.
