The Credit Information Bureau (BIK) has published the latest data on sales in the non-bank lending sector. The figures show that in August 2025, loan companies recorded a significant increase in sales in both the cash loan and installment loan segments.
Short-term cash loans dominate the market by value
Short-term cash loans of up to 60 days maintained the largest market share. In August, 464,000 such loans were issued, up 7.6% year-on-year. Their total value reached PLN 1.151 billion, representing a 20.9% increase compared with August 2024. These loans accounted for 72.3% of the total value and 86.2% of the number of all cash loans granted during the month.
The average amount of a newly issued short-term loan was PLN 2,729, up 11.8% year-on-year. From January to August 2025, the number of such loans totaled 3.657 million (+14.6% y/y), with a total value of PLN 8.75 billion (+28.9% y/y).
Growing demand for long-term loans
Sales of cash loans with terms longer than 60 days also increased. In August, 74,000 long-term loans were granted, with a combined value of PLN 441 million – up 7.4% in volume and 16.6% in value compared with the same period last year.
The average amount of a long-term cash loan reached PLN 6,004, representing an 8.5% increase year-on-year. Between January and August 2025, the number of long-term loans amounted to 608,000 (+19.3%), with a total value of PLN 3.527 billion (+28.3%).
Installment loans grow in volume, decline in value
The installment loan segment, which finances purchases of goods and services, also showed strong growth. In August, loan companies granted 873,000 installment loans (+27.5% y/y) with a total value of PLN 582 million (+15.6% y/y).
However, the average value of an installment loan dropped to PLN 667, down 9.3% year-on-year. This indicates that customers increasingly used financing for smaller purchases. From January to August 2025, a total of 6.820 million installment loans were granted (+25.0%), worth PLN 4.567 billion (+16.4%).
Market structure unchanged
In terms of volume, installment loans continued to dominate, just as in previous months. However, when measured by value, cash loans – both short-term and long-term – clearly prevailed. This remains a distinctive feature of the Polish non-bank lending market, unchanged for years.
Source: CEO.com.pl
