Consolidation Loan

Exchange many installments for one – a lower one.

  • From PLN 1,000 to PLN 150,000
  • Repayment in up to 120 installments
  • Quick credit decision
  • Minimum formalities
  • Agreement can be signed without having to leave your home
  • Low interest rate 11,49% p.a

You can consolidate your debts, change your lending period and pay one smaller amount every month. Additionally to the funds for repaying your debts, depending on your financial situation, you can get cash for any purpose.

Formularz kontaktowy

How others are using it

You may use the loan to consolidate your external debts:

  • You will go through the entire process from home – from filling in your application to signing the agreement and obtaining the funds. To find out more about the loan, you may leave your contact details by filling in a short online form – our relationship manager will call you back and receive your credit application by telephone.
  • Quick credit decision process.
  • To verify your income, we accept bank statements showing your salary, certificates issued by employers, etc. You can send the documents electronically. Clients who already have a credit product at Citi Handlowy may be allowed to go through the procedure even without income documents.
  • Repayment in equal monthly installments. You select their number as appropriate for your needs and capabilities. You may select up to 120 installments.
  • At any time, you may take additional funds or repay the entire amount earlier.
  • With optional Safe Installments Insurance you can secure the repayment of your loan in case of death or temporary inability to work.
  • Variable interest, from 11,49% (based on 3M WIBOR).
  • Interest is calculated on the declining balance of the outstanding principal amount.
  • Depending on the offer currently in force, the bank can charge a commission and a monthly operating fee of PLN 30 or PLN 40.

If you are our Client, log in to Citibank Online and check your offer.
If you are a new Client, fill in the form and we will present a detailed offer prepared especially for you.

How to use it


Additional information

  • Representative example

  • Legal information

    Acceptance or refusal of your loan application is subject to your credit check by Bank Handlowy w Warszawie S.A.

    The material is for informational purposes and does not constitute an offer within the meaning of Article. 66 of the Civil Code.