Credit intermediation companies and firms granting loans from their own funds arranged PLN 124.9 billion worth of credit and loans in 2025, according to Statistics Poland. The market expanded by nearly 14% year on year, while online sales continued to gain ground and moved closer to the share held by traditional branches. The sector still relies predominantly on civil-law contracts rather than standard employment contracts, while the largest value of credit and loans went to customers in the Mazowieckie Voivodeship.
Credit Intermediaries Arranged PLN 124.9 Billion in Loans in 2025 as Online Sales Gained Ground
- PLN 124.9 billion in credit and loans was arranged in 2025, representing year-on-year growth of 13.9%.
- Mortgage loans accounted for 48.5% of total sales value, making them the market’s largest segment.
- Online channels generated 33.9% of the total value of credit and loans, bringing them close to the share recorded by traditional branches.
- The surveyed companies generated a combined net profit of PLN 1.28 billion, up 20.8% year on year.
Credit Intermediation Market Grows Faster Than in 2024
Statistics Poland’s 2025 survey covered 174 companies engaged in credit intermediation or granting loans from their own funds. Of these, 93 provided loans using their own capital, 77 acted as intermediaries in the sale of credit and loans in cooperation with banks, and four conducted both types of activity.
The total value of credit and loans arranged by the surveyed companies reached PLN 124.9 billion, an increase of 13.9% compared with 2024. The vast majority of this amount, PLN 112.3 billion, went to individual customers, while PLN 12.6 billion was granted to businesses.
In terms of value, mortgage loans dominated the market, accounting for 48.5% of all credit and loans arranged. Loans granted from intermediaries’ own funds represented a further 44.7%. Cash loans and consumer credit accounted for only 5.7% of the market by value, although this was the largest segment in terms of the number of agreements concluded.
Online Sales Are Catching Up with Traditional Branches
The structure of distribution channels reflects the continuing digitalisation of the sector. In 2025, credit and loans worth PLN 46.3 billion were arranged directly through branches, representing 37.1% of the total market.
Branches therefore remained the largest distribution channel, but their lead over online sales narrowed significantly. Credit and loans worth PLN 42.3 billion were arranged online, accounting for 33.9% of the market.
The remaining sales were generated through agents, who arranged PLN 17.3 billion, direct sales at customers’ premises, which accounted for PLN 11.6 billion or 9.3% of the market, and telephone sales. The telephone channel remained marginal, generating PLN 2.0 billion, equivalent to 1.6% of total sales.
Online and branch channels serve distinctly different customer profiles. Among companies granting loans from their own funds, online sales accounted for as much as 72.7% of total sales value.
By contrast, branches remained the dominant channel among companies cooperating with banks, accounting for 65.5% of the sales value generated by this group. This confirms that more formalised banking products, including mortgage loans, still more frequently require direct contact with customers.
Mazowieckie and Śląskie Lead the Market
Geographically, Poland’s credit intermediation market remains highly concentrated. The Mazowieckie Voivodeship accounted for PLN 41.1 billion worth of credit and loans, equivalent to 32.9% of the total market. This was more than the combined value recorded in the next three largest regions.
The Śląskie Voivodeship ranked second, with PLN 13.7 billion and an 11.0% market share, followed by the Dolnośląskie Voivodeship with PLN 10.7 billion, or 8.6%.
The lowest values of credit and loans were recorded in the Podlaskie Voivodeship, at PLN 2.2 billion, and in the Świętokrzyskie Voivodeship, at PLN 2.3 billion.
The Sector Relies More on Civil-Law Contracts Than Permanent Employment
At the end of 2025, the surveyed companies employed or cooperated with a total of 17,200 people. However, the majority of them — 9,700 people, or 56.4% — worked under contracts of mandate, agency agreements, contracts for specific work or management contracts.
Only 5,100 people, representing 29.6% of the total, were employed under employment contracts or on the basis of appointment, nomination or election. A further 2,500 people, or 14.3%, operated as self-employed contractors under Poland’s Entrepreneurs’ Law.
This model was particularly common among companies cooperating with banks. In this group, for every person employed under a standard employment contract, there were more than five people working under civil-law contracts or as self-employed contractors.
The sector’s distribution network comprised 1,124 branches and representative offices.
Financial Performance: Revenue Grows Faster Than Costs
Statistics Poland presented detailed financial data for 122 companies maintaining full accounting records and for which credit intermediation or lending was the sole or dominant area of activity.
Their total operating revenue increased by 15.6% to PLN 8.01 billion. Costs grew at a slower rate of 13.3%, reaching PLN 6.34 billion.
As a result, the combined net profit of the surveyed companies rose by 20.8%, from PLN 1.06 billion to PLN 1.28 billion.
Of the 122 companies, 97 generated a combined positive net result of PLN 1.37 billion, while 25 companies reported total losses of PLN 82 million.
The total value of assets held by the surveyed companies increased by 14.0% to PLN 21.65 billion. Non-current assets accounted for 51.3% of total assets, slightly exceeding the 48.7% share represented by current assets.
Liabilities and provisions accounted for 81.3% of the balance-sheet total, while equity represented the remaining 18.7%.
Repayment Periods Shorten Despite Rising Credit Sales
One notable development was the shortening of average repayment periods for most credit products.
The average repayment period for mortgage loans fell from 366 months to 299 months. For cash credit, it declined from 81 months to 75 months, while the average repayment period for cash loans shortened from 42 months to 33 months.
The only increase was recorded for loans granted from intermediaries’ own funds, where the average repayment period rose from 16 months to 18 months.
Shorter repayment periods combined with higher sales values may indicate an improvement in customers’ borrowing capacity and lower financing costs in 2025.
Methodology
The data come from the Statistics Poland survey entitled Activities of Credit Intermediation Companies in 2025. The survey covered 174 companies engaged in credit intermediation or granting loans from their own funds.
The financial data, including revenue, costs, net profit and balance-sheet figures, relate to 122 companies maintaining full accounting records and for which this activity was the sole or dominant area of business.
The figures for 2024 are presented for the group of companies covered by the 2025 survey and may therefore differ from the data published in Statistics Poland’s preliminary release of 10 July 2025.
Data source: Statistics Poland. Own analysis based on Statistics Poland data.
