Biznes Fakty
The number and value of non-bank loans are growing. BIK report
In April 2025, the non-banking sector observed an increase of over 17 percent in the number of cash loans issued, as reported by the Credit Information Bureau. Additionally, the installment loans experienced a significant rise of 21.3 percent.
According to the report’s authors, non-bank cash loans are deposited directly into the borrower’s account and can be utilized for any purpose. Short-term loans (up to 60 days) are offered for smaller amounts, while loans for larger sums and extended periods can last over 60 days or even several years.
What is the average borrowing amount?
The average loan amount granted for up to 60 days in April of this year was PLN 2,649, reflecting a 12.2 percent rise compared to the previous year. The overall value of non-bank payday loans surged by 31.3 percent year-on-year, surpassing PLN 1 billion. Concurrently, there was a 17.5 percent increase in the number of such loans issued.
” Loans with a duration of up to 60 days constituted 71.3% of the total value and 85.7% of the number of cash loans issued in April 2025, ” the authors disclosed.
In contrast, a total of 76,000 long-term cash loans were granted, with their value rising to PLN 439 million, marking an increase of 17.3 percent in volume and 23 percent in value. The average value of these loans was PLN 5,809 (an increase of 3 percent compared to the previous year).
Installment loans, which are typically for smaller amounts, are provided to finance specific purchases, meaning the client does not receive cash directly. The average value of such loans was PLN 672, which is 5.7 percent lower than the previous year.
Dominance of installment loans
The number of installment loans issued rose by 21.3%, with their total value increasing by 14.4%. „This indicates that primarily installment loans were disbursed for smaller amounts, which directly contributed to the year-on-year decrease in the average amount of granted installment loans,” the report’s authors noted. They also mentioned that in April of this year, lending institutions issued 883 thousand installment loans totaling PLN 593 million.
Within the structure of non-bank loan sales, installment loans were predominant in terms of quantity, while cash loans led in terms of total value. „This is a common characteristic of the Polish non-bank loan market,” the report’s authors highlighted.
The authors also shared data covering the period from January to April of this year, which indicated that lending companies granted 18.2 percent more short-term cash loans, 21.7 percent more long-term cash loans, and 21.7 percent more installment loans. The value of the loans issued grew by 32.4 percent, 30.9 percent, and 14.7 percent, respectively.
BIG InfoMonitor is part of the BIK Group, which includes Biuro Informacji Kredytowej SA and Biuro Informacji Gospodarczej InfoMonitor SA along with Digital Fingerprints SA.
