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.

  • 0% fee on the consolidate amount
  • Time saving – you pay just one low instalment

Information about the loan cost

How to borrow

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  • Over the phone

    1. 1

      Prepare account numbers

      We will transfer funds to cover your existing debts

    2. 2

      Contact us

      call Prestige Line
      801 12 7000

    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

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Insurance

Loan under protection

Attractive insurance Loan under protection will ensure comprehensive support for you and your family in numerous unexpected circumstances, such as:

  • critical illness
  • death
  • hospitalization caused by accident or sickness
  • loss of work or death caused by accident
  • temporary incapacity to work or disability or covering costs of rehabilitation or rehabilitation equipment

Insurer will also allow you to receive second medical opinion in foreign medical facility.

  • See more details on the insurance here

    What is important, you do not have to choose the risks. Insurance package in Option 1 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;
    • up to 6 instalments if you are taken to hospital as a result of accident, or sickness;
    • even 36 instalments if you are temporarily unfit for work;
    • 50% of the your part of granted loan amount (including credited insurance commission and insurance premium) in case of death due to accident*;
    • Whole your part of granted loan amount (including credited insurance commission and insurance premium)*;
    • granted loan amount (including credited insurance commission and insurance premium), and additional amount of 25 000 PLN in case of falling ill with one of serious diseases*;
    • Up to 5000 PLN in case of covering rehabilitation costs or up to 1000 PLN in case of covering rehabilitation costs.

    Insurers will also organize and cover the costs of second medical opinion.

    * If you conclude insurance contract during loan repayment Insurers will pay the insurance benefit amount equal to your part of loan balance at the day of insurance contract conclusion, accordingly to loan payment schedule.

    The conclusion of the insurance contract is simple and convenient - it takes place during the conclusion of a cash loan agreement, and insurance protection begins the day after the loan is launched. The insurance premium is only 0.3% of the granted loan amount per month and for your convenience it is added to the loan amount.

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

Need more info?
Write to us.

Contact form

If you prefer…
Call us!

801 12 7000

landlines and mobile phones

Additional information

Information about the loan cost

A representative example for consolidation loan: Annual Percentage Rate (APR) is 19.71%, total loan amount (without credited costs): PLN 38 178.15; total amount to be paid: PLN 64 676.56; fixed interest rate 10.29%; total cost of the loan: PLN 26 498.41 (including: 0% commission (PLN 0); interest PLN 13 741.35; additional services: insurance, the sum of premiums for the entire loan repayment period is PLN 12 141.00, the amount of the premium due for each month of insurance coverage payable on the installment payment dates is PLN 161.88). The loan agreement is concluded for a period of 75 months, the loan is repaid in 75 monthly equal installments in the amount of PLN 692.26; the first installment is payable 30 days from the date of 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.

Fees, commissions and interest are charged in accordance with the Cash Loan Price List. Details on the rules and conditions for granting loans are included in the Regulations on loans and advances granted to individual customers by Bank Millennium S.A. 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 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 not grant you a loan.