Growth continues in Poland’s non-bank loan market in May 2025

The Polish non-bank loan market showed continued growth in May 2025, driven by increased activity across both cash and installment loan segments. The sector remains characterized by two primary product categories: cash loans, which provide direct funds for any use, and installment loans, which are typically granted for specific purchases.

Within the cash loan segment, two subcategories are evident—short-term loans of up to 60 days and long-term loans extending beyond 60 days. In May 2025, the average value of short-term cash loans rose to PLN 2,673, marking a 13.2% year-on-year increase. The total value of these loans reached PLN 1.13 billion, up 28.4% from May 2024. A total of 468,000 loans were issued in this category, a 13.7% rise compared to the same period last year. Short-term cash loans accounted for 73.6% of the total value and 87.5% of the number of all cash loans issued during the month.

For cash loans exceeding 60 days, the average loan value rose to PLN 6,089—8.8% higher than in May 2024. A total of 67,000 such loans were granted, amounting to PLN 406 million in value. Compared to the previous year, this represents a 2.5% increase in the number of loans issued and an 11.7% rise in total value.

The installment loan segment, defined by loans granted for specific purchases rather than direct cash disbursement, also recorded notable growth. The average value of a new installment loan in May 2025 was PLN 654, a 9.0% decrease from the previous year, reflecting a shift toward smaller loan amounts. However, the number of installment loans granted rose by 28.8% year-on-year, totaling 930,000 contracts, with a combined value of PLN 608 million—up 17.1% from May 2024.

As in previous months, installment loans dominated the market by number, while cash loans made up the majority of the total loan value. This pattern continues to define the structure of the Polish non-bank lending sector.

Over the first five months of 2025, compared to the same period in 2024, the market saw a 17.3% increase in the number of cash loans with terms up to 60 days, a 17.5% increase in long-term cash loans, and a 23.3% rise in installment loans. In terms of value, short-term cash loans grew by 31.6%, long-term loans by 28.0%, and installment loans by 15.4%, indicating broad-based growth across all categories. These results reflect the ongoing expansion and demand within Poland’s non-bank loan sector.

Source: BIK