Consumer credit outstanding balance saw small growth in Poland in 2025, albeit at a slightly higher rate than seen in the previous year. Meanwhile, gross lending values remained at healthier growth levels, albeit at a slightly lower rate than seen in the previous year. This growth remained driven by consumers seeking credit to cover their economic necessities, following the previous period of high inflation although inflationary pressures came down in 2024 and 2025.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Poland with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Credit industry in Poland, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
The Consumer Credit in Poland report includes:
- Analysis of key supply-side and demand trends
- Detailed segmentation of international and local products
- Historic volume and value sizes, company and brand market shares
- Five year forecasts of market trends and market growth
- Robust and transparent research methodology, conducted in-country
This report answers:
- What is the market size of Consumer Credit in Poland?
- What are the major trends key to understanding Consumer Credit in Poland?
- How has COVID-19, recession and macroeconomic volatility impacted the market?
- How long will the market take to recover? What are the opportunities now?
- How will political context and shifting cultural values shape future growth?
- Where is future growth expected to be most dynamic?
Consumer Credit in Poland - Category analysis
KEY DATA FINDINGS
Consumer credit maintains growth, supported by consumers still seeking credit to cover economic necessities
Consumers seek loans to leverage refinancing options and ease monthly burdens
Non-card gross lending remains stable, with a shift seen in how people access credit
BNPL continues to grow, and is expected to maintain its upwards trajectory over the coming years
Consumer credit gross lending expected to decline as household financial stability improves
The new CCD2 directive emphasises creditworthiness assessments and may limit access to quick credit
BNPL will remain popular, but may be somewhat suppressed by the new CCD2 directive
Consumer Lending in Poland - Industry Overview
Consumer lending continues to benefit from consumers’ dependence on credit to meet their financial needs
KEY DATA FINDINGS
Consumers continue to seek credit, even though inflationary pressures have eased
Mortgages/housing lending sees more moderate growth, due to still-high interest rates
BNPL continues to grow in popularity
Consumer credit to maintain growth, while NBFIs continue to attract attention for smaller loans
Mortgages/housing growth expected to remain stable, as long as interest rates and property prices also remain stable
COUNTRY REPORTS DISCLAIMER
The following categories and subcategories are included:
Consumer Credit
- Auto Lending
- Card Lending
- Durables Lending
- Education Lending
- Home Lending
- Other Personal Lending
Consumer Credit
Non-mortgage consumer debt extended to individuals for personal or household use including installment loans and credit cards. Examples of consumer credit include auto lending, card lending, durables lending, education lending, home lending and other personal loans. Consumer credit includes both revolving and non-revolving credit.
See all of our definitionsWhy buy this report?
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This report originates from Passport, our Consumer Credit research and analysis database.
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