Tuesday, 28 October 2025
Poland’s non-bank loan sector recorded another month of strong growth in September 2025, according to the latest figures from the Credit Information Bureau (BIK). Both cash and installment loans increased in value and volume compared to the same period last year, highlighting ongoing consumer demand for short-term financing amid tighter household budgets.
The total value of cash loans with maturities of up to 60 days reached PLN 1.16 billion in September, marking a 24.8 percent year-on-year increase. Lenders issued 467,000 such loans, up 11 percent from a year earlier. These short-term loans accounted for 71 percent of the total loan value and 86 percent of all cash loans granted. The average loan size rose by 12.5 percent year-on-year to PLN 2,476, suggesting that borrowers are taking on slightly larger amounts to meet current expenses.
Loans with maturities longer than 60 days also grew sharply, reaching PLN 475 million across 76,000 new contracts. This represents a 31.2 percent increase in value and a 22.6 percent rise in volume compared with September 2024. The average loan amount in this category was PLN 6,208, up 7 percent on the year. Together, short- and long-term cash loans continue to form the backbone of Poland’s non-bank lending market, reflecting their role in supporting both short-term liquidity and larger consumer purchases.
In the installment loan segment, which covers credit granted for specific goods or services rather than direct cash disbursement, loan companies issued 892,000 contracts worth PLN 580 million. The number of loans increased by 28.6 percent year-on-year, while total value rose by 19.1 percent. The average installment loan amount declined to PLN 650, 7.4 percent lower than a year earlier. According to BIK’s chief analyst, Dr. Waldemar Rogowski, this indicates that more loans were granted for smaller-value purchases, leading to a drop in the average amount.
Rogowski noted that purpose-based installment loans dominate the market by volume, while cash loans account for the largest share by value—a structure typical of Poland’s non-bank credit market.
Between January and September 2025, lending activity remained strong across all categories. Compared with the same period in 2024, the number of cash loans up to 60 days increased by 14.2 percent, and loans exceeding 60 days grew by 20.6 percent. Installment loans rose by 25.4 percent in volume. In value terms, lending was up 28.5 percent for short-term cash loans, 29.4 percent for longer-term loans, and 16.8 percent for installment credit.
The latest BIK data confirm that Poland’s non-bank loan institutions are expanding steadily, with rising volumes across both short-term cash and consumer-specific lending. While the sector continues to serve as a flexible alternative to bank credit, the growing number of smaller loans also reflects the pressures facing Polish households in 2025.
Source: Credit Information Bureau (BIK) – “Sales Data on the Market of Loan Institutions, September 2025”
