- Poland is the 5th largest leasing market in Europe
- 44% of corporate investments in Poland are financed through leasing — the highest rate in Europe
- Central and Eastern Europe is now the fastest-growing leasing region in Europe
- Vehicle leasing remains dominant, while green financing is gaining momentum
Poland has become one of Europe’s leaders in leasing — both in terms of its growth rate and its pivotal role in financing corporate investments. According to the latest Leaseurope Annual Statistical Report 2024, the European leasing sector grew by 3.1% year-on-year, reaching a total value of €454 billion in new contracts. Poland, representing the Central and Eastern European (CEE) region, ranked 5th in Europe by market size — behind only the UK, Germany, France and Italy — and is among the fastest-growing leasing markets on the continent.
Poland Leads Europe in Leasing Usage
Poland now records the highest leasing penetration rate in Europe. According to Leaseurope, 44% of corporate spending on equipment, machinery and vehicles is financed via leasing.
For comparison:
- UK — 43%
- Germany — 28%
- EU average — 28%
“Leasing is one of the main engines of investment in Poland. It’s not just easily accessible — it’s flexible and tailored to business needs. Over 70% of our clients are micro, small and medium-sized enterprises,” says Monika Constant, President of the Polish Leasing Association (Związku Polskiego Leasingu).
Central and Eastern Europe: Europe’s Leasing Growth Engine
In 2024, the Central and Eastern European region, led by Poland, became the fastest-growing leasing market in Europe, recording a growth rate exceeding 10%, while major Western markets like Germany and Italy saw contractions.
Poland is the dominant market in the region, shaping leasing standards for neighboring CEE countries and providing the majority of financing for local SMEs.
“In 2024, the Polish leasing market grew by 10.4%, financing PLN 110.5 billion in assets. In 2025, growth may cool to around 6%, reaching PLN 116.6 billion, due to geopolitical uncertainty and delays in infrastructure investments,” says Monika Constant.
She adds that in 2025, the key growth drivers will be:
- the speed of EU fund deployment,
- interest rate stability,
- private investment recovery.
Leasing will remain the most flexible and accessible source of business financing in Poland.
Automotive Leasing Still Dominates — Green Transition Accelerates
Vehicle leasing remains the driving force of the European market, accounting for around 75% of all new contracts in 2024.
Financing grew by:
- +4.4% for passenger cars
- +5.7% for vans and trucks
Poland mirrors this structure — with transport assets making up the majority of all leasing, while financing of low- and zero-emission vehicles is expanding rapidly.
Across Europe, one in four leased vehicles is now electric (BEV), with electric fleet financing growing over 20% year-on-year. Poland is moving quickly in the same direction, steadily increasing the adoption of EV financing and low-emission fleet strategies.
