The Polish non-bank loan market is based on two main product segments, each with its specific characteristics.
The first segment consists of cash loans, which are disbursed directly to the borrower’s account and can be used for any purpose, including supporting the household budget or other consumer expenses. Within this segment, two categories of cash loans can be distinguished.
Cash loans granted for low amounts and short periods (up to 60 days), and loans granted for higher amounts and longer periods, often lasting several years (over 60 days). The average value of a cash loan up to 60 days issued in April 2025 was PLN 2,649, which was 12.2% higher than the average amount granted in April 2024.
The value of cash loans up to 60 days sold in April 2025 amounted to PLN 1.089 billion, representing an increase of +31.3% year on year. A positive year-on-year growth (+17.5%) was also observed in the number of loans granted. Loans up to 60 days accounted for 71.3% of the total value and 85.7% of the number of cash loans granted in April 2025.
In April 2025, cash loans for periods longer than 60 days were granted in a total number of 76 thousand and amounted to PLN 439 million. Compared to April 2024, this represents an increase of +17.3% in the number of loans and +23.0% in value. The average value of cash loans granted in April 2025 for periods longer than 60 days was PLN 5,809, which was 3.0% higher than the average amount granted in April 2024.
The second segment comprises installment loans (purpose-specific), which are characterized by relatively low loan amounts. The average value of a newly granted installment loan in April 2025 was PLN 672, which was 5.7% lower than the average value of such loans granted a year earlier. These loans are provided to finance a specific purpose, such as the purchase of goods or services, meaning that cash is not directly made available to the client for discretionary use.
The number of newly granted installment loans in April increased by +21.3% year on year. In terms of value, growth was lower at +14.4% year on year. This indicates that mostly smaller installment loans were granted, which is directly reflected in the year-on-year decline in the average amount of installment loans. In April 2025, loan institutions granted a total of 883 thousand installment loans amounting to PLN 593 million.
In April 2025, as in previous months, installment loans (purpose-specific) dominated in terms of number of loans granted within the non-bank loan market, while cash loans dominated in terms of value. This is a typical feature of the Polish non-bank loan market.
In the period from January to April 2025, compared to the same period last year, loan institutions granted 18.2% more cash loans for periods up to 60 days, 17.8% more cash loans for periods over 60 days, and 21.7% more installment loans. In value terms, the growth rates for each loan type were +32.4% for cash loans up to 60 days, +30.9% for cash loans over 60 days, and +14.7% for installment loans.
All presented data fully reflect the current market situation in the non-bank loan sector.
Source: ManagerPlus.pl
