Consolidation loan from Citi Handlowy without commission. We check the conditions and costs
publication
2026-02-23 11:00
A commission-free consolidation loan is one of Citi Handlowy's current offers for individual clients. We check the terms of the offer, financing costs and what liabilities can be consolidated.
Citi Handlowy offers Consolidation Loan without commissionwith the possibility of concluding a contract completely remotely via the Internet, telephone or via courier. The bank allows you not only to combine existing liabilities, but also to withdraw additional cash. We check who can take advantage of the offer and how much such consolidation actually costs.
Consolidation loan without leaving home
Citi Handlowy's offer is addressed to: to individual clients, who want to transfer their liabilities from other financial institutions. One of the advantages of a consolidation loan is: possibility of concluding a contract without visiting a branch – the entire process can be carried out remotely, via the Internet, by phone or with the help of a courier.
In addition to consolidating your loans, the bank also allows you to: getting extra cash for any purpose, provided that the customer's creditworthiness allows it. The key terms of Citi Handlowy's offer include:
- commission: PLN 0,
- variable interest rate: 8.79 percent,
- maximum loan amount: PLN 150,000 zloty,
- loan period: from 9 months to 10 years.
It is worth emphasizing that the interest rate is variable. This means that the installment amount may change along with the level of the 3M WIBOR index, which affects future loan costs.
You can apply for a consolidation loan from Citi Handlowy on this website, APR 8.4% »
Who can take advantage of Citi Handlowy's offer?
A consolidation loan can be used by customers who: transfer their liabilities from other banks or financial institutions to Citi Handlowy. The loan cannot be used to repay loans or credits previously granted by Citi Handlowy. An additional condition is the minimum value of consolidated external liabilities – it must be at least PLN 20,000. zloty. The offer includes consolidation of, among others:
- cash loans,
- installment loans,
- credit cards,
- limits in personal accounts.
How much does consolidation in Citi Handlowy cost?
We analyzed what Citi Handlowy's offer looks like in terms of lending costs. In the case of a loan of PLN 70,000. PLN for a period of 66 months, 65 installments amount to PLN 1,341, and the last equalizing installment is PLN 1,371.72. This translates into the total cost of the Consolidation Loan in the amount of PLN 88,536.72.
What is not subject to consolidation?
Citi Handlowy does not allow the consolidation of overdue debts or liabilities that appear in BIK with notes about delays in repayment. However, customers with a good credit history and appropriate creditworthiness can apply not only for consolidation, but also for additional funds for any purpose.
You can apply for a consolidation loan from Citi Handlowy on this website, APR 8.4% »
Accepted sources of income
The bank declares an individual approach to each client. A loan application can be submitted by people whose income includes, among others: With:
- contracts for specific work,
- mandate contracts,
- professional contract,
- pensions.
The form of employment is not the only criterion determining the possibility of obtaining financing.
Representative example
Representative example for a Consolidation Loan. Actual Annual Interest Rate (APR) is 9.15%, total loan amount (excluding credited costs) PLN 70,000.00, total amount to be paid PLN 88,536.72, variable interest rate 8.79%, total loan cost PLN 18,536.72 (including: commission PLN 0.00, interest PLN 18,536.72 PLN, monthly fee PLN 0.00). We disbursed the Cash Loan in full on December 2, 2025 and will be repaid by the 2nd day of each month in 66 installments, including 65 monthly equal installments of PLN 1,341.00 and the last equalizing installment of PLN 1,371.72. We performed the calculation on December 2, 2025, using a representative example.
You can apply for a consolidation loan from Citi Handlowy on this website, APR 8.4% »
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