From payday to payday loans. Poles are borrowing more and more and more often

PLN 139 billion is the value of newly taken liabilities in the first half of this year; It's 13 % More on an annual basis – BIK representatives donated during the Tuesday press conference. In their opinion, this is the result of lower inflation, falling interest rates and salary increase.

Representatives of the Credit Information Bureau summed up credit in the first half of 2025; As the main analyst of the BIK group dr hab. Waldemar Rogowski, In the cash loan segment, an increase in value by 32 percent. year to year to over PLN 58 billion. The number of loans granted has also increased, by 23 percent Loans over 100,000 PLN grew by 48.8 percent, and consolidations were responsible for PLN 32.1 billion, i.e. more than half of total sales. Rogowski added that the loans taken were mainly used for:

• renovation of the apartment,
• covering current needs,
• medical services.

An increase was also recorded in the number of non -bank loans granted. In a year it increased by 16.1 percent, and the value increased by another 29.1 percent.

Rogowski announced that a small decrease of 2 % was recorded in housing loans. during the year. At the same time, this segment maintained the sales value of PLN 45.9 billion. In the analyst, the maintenance of sales value may indicate a stable demand on the real estate market. Rogowski pointed out that last year there was the program “Safe loan 2 %”. If loans taken out as part of government assistance, the dynamics of this segment would increase by 40.4 percent, and not dropped. In addition, an increase was recorded in loans over 600 thousand. PLN, which were undressed by the government support program. Rogowski added that foreign borrowers played an increasingly important role here, whose share was achieved by a record 8 percent. They were mainly citizens of Ukraine and Belarus.

The head of the Business Intelligence Analysis Team in BIK Sławomir Nosal drew attention to the increase in the postponement segment, i.e. BnPL (Buy Now, Pay Later – Buy Now, pay later). In the first half of this year, the value of newly granted loans in this segment amounted to PLN 6.3 billion. Loan institutions had the largest share in this market (52 percent). Banks were responsible for 27 percent. market, and 21 percent used the services of both suppliers. customers. Most payments (74.1 percent) are repaid in the interest -free period, and 25.9 percent. Folded in installments.

From postponed payments – as reported by Nosal – actively uses nearly 1.5 million peopleand in total over 2.8 million customers used them, implementing 130 million transactions. – BNPL transactions attract such clients to the credit market who have never had any obligations, whether bank or loan ones, they did not have – Nosal pointed out. He added that 10.6 percent BNPL customers have never had a loan before. He informed that the average amount of one transaction was PLN 176.

Nosal reported that a downward trend was deepened in the installment loan segment. The scale of the transaction in a year decreased by a quarter, and the value by 9 percent. He pointed out, however, that an increase in the case of credit cards can be seen. The amount of loans granted in this way was 5 percent. Higher yards, although the number of loans granted has fallen by 4 percent.

BIK analysts also gave the credit market forecasts for next year. In their opinion, interest rates will remain one of the key factors affecting the value of credit shares in the housing loan segment. Rogowski expects that by the end of the year the interest rates of the National Bank of Poland will be reduced twice, a total of 50 base points.

According to experts, stable growth on the non -bank loan market will be powered by the growing needs of households, and in the case of installment loans – they predict a further decline in credit shares. They emphasized that this forecast takes into account economic uncertainty and a moderate approach to consumption. (PAP)

JLS/ MALK/