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In 2024, the value of private credit and loan portfolio in Poland amounted to *** billion zloty, continuing an upward trend since 2019.

Housing loans drive market growth

A significant portion of the credit expansion can be attributed to the housing loan sector. In 2024, new housing loans amounted to a total of ** billion zloty, with further growth projected for 2025. The value of home loan sales is anticipated to increase by *** percent, reaching over ** billion zloty in 2025. This steady growth in housing loans indicates a robust real estate market and continued consumer confidence in long-term borrowing.

Diverse credit products and changing lending policies

The Polish credit market is characterized by various products, with credit and debit cards being the most common among consumers. Cash loans from banks are also popular, held by nearly one in four Poles. Banks are adapting their lending policies in response to changing market conditions, with plans to ease criteria for consumer and short-term loans to small and medium enterprises in early 2025. This dynamic lending environment reflects the financial sector's efforts to balance risk and growth in different market segments.