In May 2025, Poland’s non-bank lending market for individual consumers recorded a significant increase in both the number and value of loans granted. The data points to a continued recovery in the non-bank financing sector, with cash loans remaining dominant in terms of value and installment loans leading in terms of volume.
Cash Loans: Growth in Both Value and Volume
The cash loan segment is divided into two main categories: short-term (up to 60 days) and long-term (over 60 days). Both categories saw growth in May, with short-term loans demonstrating particularly strong momentum.
Loans up to 60 days:
- The average value of these loans reached PLN 2,673, marking a 13.2% year-over-year increase.
- A total of 468,000 loans were granted, amounting to PLN 1.13 billion.
- This represents a 28.4% increase in value and a 13.7% increase in volume compared to May 2024.
- These loans accounted for 73.6% of the total cash loan value and 87.5% of the total volume for May.
Loans over 60 days:
- The average value stood at PLN 6,089, up 8.8% year-over-year.
- 67,000 loans were issued, totaling PLN 406 million.
- This translates to a 2.5% rise in volume and an 11.7% increase in value versus May 2024.
Installment Loans: Higher Volume, Lower Amounts
Installment loans—granted for specific purchases such as goods or services and not transferred directly to the borrower—make up the second major market segment. In May 2025, this category showed a notable increase in volume, accompanied by a decrease in average loan value.
- Average loan value: PLN 654, a 9.0% drop year-over-year.
- Loan volume: 930,000, representing a 28.8% increase year-over-year.
- Total value: PLN 608 million, a 17.1% increase year-over-year.
The trend indicates that consumers are increasingly opting for smaller, purpose-specific loans—likely due to promotional retail offers, easier access to online shopping, or inflation-driven pressure to spread costs over time.
Market Structure: Cash Loans Lead in Value, Installment Loans in Volume
As seen in previous months, installment loans dominate in terms of volume, while cash loans account for the majority of value disbursed. This dual structure reflects the specific characteristics of Poland’s non-bank lending landscape, where consumers often use installment loans for smaller, frequent purchases, while larger expenses are typically financed through cash loans.
Year-to-Date Data: January–May 2025
The first five months of 2025 show steady and significant growth across all categories of non-bank loans:
Loan Volume Growth (YoY):
- Cash loans up to 60 days: +17.3%
- Cash loans over 60 days: +17.5%
- Installment loans: +23.3%
Loan Value Growth (YoY):
- Cash loans up to 60 days: +31.6%
- Cash loans over 60 days: +28.0%
- Installment loans: +15.4%
Summary
Poland’s non-bank lending market remains in a phase of rapid expansion, both in terms of the number of loans granted and their total value. The sustained growth of short-term cash loans and the increasing popularity of low-value installment loans suggest that non-bank lenders are adapting flexibly to changing consumer needs. At the same time, the rise in average cash loan values may signal a greater willingness among Polish consumers to finance larger purchases through non-bank products.
Source:
ManagerPlus.pl – Non-Bank Lending Market in Poland Grows: May 2025 Sees Record Results
