More targeted loans: These are loans to buy a specific item. In January, their average value was PLN 644, by 8.9 percent. less than a year ago. At the same time The number of such loans year -on -year loans increased by 24.9 percent, and their total value – by 13.8 percent. “which means that loans for lower amounts were mainly grantedwhich was directly reflected in the inheritance of the average amount of the loan, “informs the Credit Information Bureau.
More payday loans: In January, Poles enlisted payday loans with an average value of PLN 2487, more by 11.7 percent. than a year ago. The total value of payday loans increased by as much as 35.8 percent., up to PLN 1.053 billion. There were more loan agreements for payday loans, by 21.8 percent. Payday loans accounted for 72.3 percent. The values of all cash loans granted in January 2025.
Cash loans for over 60 days: There is also a growth here. In January 2025 they were granted together 74 thousand units (+19.1 percent y/y) with a total value of PLN 404 million (+39.6 percent). The average value of such loans amounted to PLN 5,497 and was 15.5 percent. higher to the average amount granted in January 2024.
Deferred payments: Developed payments (BNPL – Buy Now Pay Later) have a growing share in the market. In January 2025, 5.37 million were granted (+21 percent y/y) for PLN 931 million (+25 percent y/y).
This time the data is fully credible: Previous data, for December 2024, also showed significant increases in loans. At that time, however, this was partly responsible for “regulatory changes regarding the reporting of loans granted to BIK applicable from May 18, 2023. To that moment, in 2023, all targeted loans were not reported, which largely underestimates the comparative base.” BIK, however, emphasizes that “in January 2024, all targeted loans granted were already reported, and this means that There is no longer the effect of a low comparative base resulting from incomplete reporting. The dynamics obtained in January 2025, therefore, fully reflect the current market situation. ”
Sources: Bike, Next.gazeta.pl