What exactly is a consolidation loan, and who may benefit from taking one?
A consolidation loan is a very good solution for people who have one or more loans. The bank repays all of the customer’s previous obligations, replacing them with a loan featuring one favorable installment. This is precisely what our “Konsożyczka” is about.
What types of loans can be transferred under Alior Bank’s offer?
The bank allows various loans to be consolidated. These may include, for example, cash loans, installment loans, car loans, credit cards, and more.
Can only one loan be transferred?
Yes, of course. The offer is attractive enough to solve the problems not only of people tired of repaying multiple loans, but also of those who simply want their monthly expenses related to servicing credit obligations to be lower.
What are the conditions for using “Konsożyczka”?
The minimum loan amount is PLN 30,000, of which at least PLN 25,000 must consist of transferred obligations. It is worth emphasizing that we offer a low interest rate—only 7.77%.
What is the maximum loan amount?
By transferring obligations from another bank, customers can apply for a consolidation loan of up to PLN 200,000.
Is it possible to receive additional cash when consolidating loans?
Yes, by using the “Konsożyczka” offer, you can receive additional funds for any purpose. They can be especially useful in the event of unexpected expenses or when we want to give ourselves or our loved ones a small surprise—for example, a shared trip.
How do you take out the loan?
It is simple. Just visit our partner branch and submit the relevant application. It is not difficult, and the branch employees will be happy to answer questions and clarify any doubts. After a positive decision is received, the funds may be paid out within as little as one day of signing the agreement.
What else is worth knowing?
Customers often ask about the sources of income accepted by the bank. There are many, including contracts of mandate and contracts for specific work.
Thank you for the conversation. I invite customers to the Alior Bank partner branches:
- 1/9 Mickiewicza Street, 59-700 Bolesławiec, tel. 75 713 70 02
- 46 Zgorzelecka Street, 59-700 Bolesławiec, tel. 75 732 22 51
APR 10.26%
The Annual Percentage Rate (APR) is 10.26%; the total loan amount (excluding financed costs) is PLN 76,600; the total amount payable is PLN 116,333.54; the nominal interest rate is 7.77%; the total cost of the loan is PLN 39,733.54 (including a commission of PLN 6,453.24 (7.77%) and interest of PLN 33,280.30); 110 equal monthly installments of PLN 1,057.91. The calculation was made on 14 September 2016, based on a representative example. The offer is available at Alior Bank partner branches. A condition of using the offer is repayment of at least one obligation outside Alior Bank totaling at least PLN 25,000 and taking out a loan of at least PLN 30,000. The final lending terms depend on the customer’s creditworthiness, the loan disbursement date, and the date on which the first installment is due. Details of the offer are available at Alior Bank partner branches and at www.aliorbank.pl.