Key insights
- Reference rate in Poland in 2025
- %

Detailed statistics
Key interest rates of NBP in Poland 2025
- Value of private credits and loans in Poland
- bn PLN

Detailed statistics
Value of private credit and loan portfolio in Poland 2019-2024
- Total housing loan debt balance in Poland
- bn PLN

Detailed statistics
Total home loan debt balance in Poland 2006-2024
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Current statistics on this topic
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Overview
10
- Key interest rates of NBP in Poland 2025
- Forecast of WIBOR 3M rate level in Poland 2024-2027
- Average interest rate of deposits and loans in banks in Poland 2018-2024
- Demand for loans in Poland 2024-2025
- Value of private credit and loan portfolio in Poland 2019-2024
- Value of private credit and loan portfolio in Poland 2024, by type of loan
- Value and growth of new credits and loans granted in Poland 2024, by type of loan
- Total home loan debt balance in Poland 2006-2024
- Credits in relation to GDP in Poland 2024
- Outlook for the loan market in Poland 2025
Overview
-
Key interest rates of NBP in Poland 2025

Key interest rates of NBP in Poland 2025
Key interest rates of the National Bank of Poland (NBP) in 2025
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Forecast of WIBOR 3M rate level in Poland 2024-2027

Forecast of WIBOR 3M rate level in Poland 2024-2027
Forecast of WIBOR 3M rate level in Poland from 2024 to 2027
-
Average interest rate of deposits and loans in banks in Poland 2018-2024

Average interest rate of deposits and loans in banks in Poland 2018-2024
Average interest rate on the balance of PLN deposits and loans in the Polish banking system between 2018 and 2024
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Demand for loans in Poland 2024-2025

Demand for loans in Poland 2024-2025
Demand for loans in Poland from 1st quarter 2025 to 4th quarter 2025
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Value of private credit and loan portfolio in Poland 2019-2024

Value of private credit and loan portfolio in Poland 2019-2024
Value of private credit and loan portfolio in Poland from 2019 to 2024 (in billion zloty)
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Value of private credit and loan portfolio in Poland 2024, by type of loan

Value of private credit and loan portfolio in Poland 2024, by type of loan
Value of private credit and loan portfolio in Poland in 2024, by type of loan (in billion zloty)
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Value and growth of new credits and loans granted in Poland 2024, by type of loan

Value and growth of new credits and loans granted in Poland 2024, by type of loan
Value and dynamics of new credits and loans granted in Poland in 2024, by type of loan (in billion zloty)
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Total home loan debt balance in Poland 2006-2024

Total home loan debt balance in Poland 2006-2024
Total housing loan debt balance in Poland from 2006 to 2024 (in billion zloty)
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Credits in relation to GDP in Poland 2024

Credits in relation to GDP in Poland 2024
Credits in relation to gross domestic product (GDP) in Poland as of 3rd quarter 2024
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Outlook for the loan market in Poland 2025

Outlook for the loan market in Poland 2025
Outlook for the loan market in Poland in 2025
Household loans
6
- Net loans to households in Poland 2009-2024
- Household debt in the banking sector in Poland 2024
- Gross value of bank loans and advances to households in Poland 2010-2024, by type
- Structure of loans to households in Poland 2014-2024
- Credit or loan products held by Poles 2025
- Purpose of taking out a loan in Poland 2023-2024
Household loans
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Net loans to households in Poland 2009-2024

Net loans to households in Poland 2009-2024
Value of loans to households in Poland from 2009 to 2024 (in billion zloty net)
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Household debt in the banking sector in Poland 2024

Household debt in the banking sector in Poland 2024
Debt of households in the banking sector in Poland as of December 2024 (in billion zloty)
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Gross value of bank loans and advances to households in Poland 2010-2024, by type

Gross value of bank loans and advances to households in Poland 2010-2024, by type
Gross value of banking sector loans and advances to households in Poland from 2010 to 2024, by loan type (in billion zloty)
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Structure of loans to households in Poland 2014-2024

Structure of loans to households in Poland 2014-2024
Structure of loans to households in Poland from 2014 to 2024
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Credit or loan products held by Poles 2025

Credit or loan products held by Poles 2025
Credit or loan products held by individuals in Poland in 2025
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Purpose of taking out a loan in Poland 2023-2024

Purpose of taking out a loan in Poland 2023-2024
Purpose of taking out a loan in Poland from 2023 to 2024
Business loans
7
- Net loans to enterprises in Poland 2009-2024
- Structure of loans to enterprises in Poland 2017-2024
- Value of loans and advances to large corporations in Poland 2010-2024
- Loans and advances to large corporations in Poland 2010-2024, by loan type
- Total lending to SMEs in Poland 2020-2024, by loan type
- Total gross lending in loans and advances to SMEs in Poland 2010-2024
- Loans granted to microentrepreneurs in Poland 2019-2025
Business loans
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Net loans to enterprises in Poland 2009-2024

Net loans to enterprises in Poland 2009-2024
Value of loans to enterprises in Poland from 2009 to 2024 (in billion zloty net)
-
Structure of loans to enterprises in Poland 2017-2024

Structure of loans to enterprises in Poland 2017-2024
Structure of loans to enterprises in Poland from 2017 to 2024 (in million zloty)
-
Value of loans and advances to large corporations in Poland 2010-2024

Value of loans and advances to large corporations in Poland 2010-2024
Gross value of loans and advances to large corporations in Poland from 2010 to 2024 (in million zloty)
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Loans and advances to large corporations in Poland 2010-2024, by loan type

Loans and advances to large corporations in Poland 2010-2024, by loan type
Gross loans and advances to large corporations in Poland from 2010 to 2024, by loan type (in million zloty)
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Total lending to SMEs in Poland 2020-2024, by loan type

Total lending to SMEs in Poland 2020-2024, by loan type
Total lending to small and medium enterprises (SMEs) in Poland from 2020 to 2024, by loan type (in million zloty)
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Total gross lending in loans and advances to SMEs in Poland 2010-2024

Total gross lending in loans and advances to SMEs in Poland 2010-2024
Annual gross lending to small and medium enterprises (SMEs) in Poland from 2010 to 2024, by currency (in million zloty)
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Loans granted to microentrepreneurs in Poland 2019-2025

Loans granted to microentrepreneurs in Poland 2019-2025
Number of loans granted to microentrepreneurs in Poland from November 2019 to March 2025 (in 1,000s)
Cash loans
7
- Sales number of cash loans in Poland 2020-2024
- Sales value of cash loans in Poland 2020-2024
- Cash loan amount granted by banks in Poland 2013-2023
- Annual increase of cash loans granted in Poland 2024, by value
- Distribution of the value of cash loans granted in Poland 2024, by value
- Structure of non-target cash loans in Poland 2024, by value
- Structure of targeted cash loans in Poland 2024, by value
Cash loans
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Sales number of cash loans in Poland 2020-2024

Sales number of cash loans in Poland 2020-2024
Number of cash loan sales in Poland from 2020 to 2024 (in millions of agreements)
-
Sales value of cash loans in Poland 2020-2024

Sales value of cash loans in Poland 2020-2024
Value of cash loan sales in Poland from 2020 to 2024 (in billion zloty)
-
Cash loan amount granted by banks in Poland 2013-2023

Cash loan amount granted by banks in Poland 2013-2023
Value of cash loans granted by banks in Poland from 2013 to 2023 (in billion zloty)
-
Annual increase of cash loans granted in Poland 2024, by value

Annual increase of cash loans granted in Poland 2024, by value
Annual growth of cash loans granted in Poland in 2024, by loan value
-
Distribution of the value of cash loans granted in Poland 2024, by value

Distribution of the value of cash loans granted in Poland 2024, by value
Distribution of the value of cash loans granted in Poland in 2024, by loan value
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Structure of non-target cash loans in Poland 2024, by value

Structure of non-target cash loans in Poland 2024, by value
Structure of non-target cash financing in Poland in 2024, by loan value
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Structure of targeted cash loans in Poland 2024, by value

Structure of targeted cash loans in Poland 2024, by value
Structure of targeted cash financing in Poland in 2024, by loan value
Credit cards
6
- Sales number of credit limit in Poland 2020-2024
- Sales number of credit card in Poland 2020-2024
- Sales value of credit limit in Poland 2020-2024
- Sales value of credit card in Poland 2020-2024
- Gross value of credit card loans in Poland 2010-2024
- Distribution of the value of credit cards granted in Poland 2024, by value
Credit cards
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Sales number of credit limit in Poland 2020-2024

Sales number of credit limit in Poland 2020-2024
Number of credit limit sales in Poland from 2020 to 2024 (in millions of agreements)
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Sales number of credit card in Poland 2020-2024

Sales number of credit card in Poland 2020-2024
Number of credit card sales in Poland from 2020 to 2024 (in millions of agreements)
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Sales value of credit limit in Poland 2020-2024

Sales value of credit limit in Poland 2020-2024
Value of credit limit sales in Poland from 2020 to 2024 (in billion zloty)
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Sales value of credit card in Poland 2020-2024

Sales value of credit card in Poland 2020-2024
Value of credit card sales in Poland from 2020 to 2024 (in billion zloty)
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Gross value of credit card loans in Poland 2010-2024

Gross value of credit card loans in Poland 2010-2024
Gross value of credit card lending on households in Poland from 2010 to 2024 (in billion zloty)
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Distribution of the value of credit cards granted in Poland 2024, by value

Distribution of the value of credit cards granted in Poland 2024, by value
Distribution of the value of credit cards granted in Poland in 2024, by loan value
Installment loans
6
- Sales number of installment loans in Poland 2020-2024
- Sales value of installment loans in Poland 2020-2024
- Value of loans granted by the financial intermediation sector in Poland 2023-2024
- Average number of installment loan payments Poland 2023, by product category
- Average value of installment loans in Poland 2023, by industry
- Distribution of the value of installment loans granted in Poland 2024, by value
Installment loans
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Sales number of installment loans in Poland 2020-2024

Sales number of installment loans in Poland 2020-2024
Number of installment loan sales in Poland from 2020 to 2024 (in millions of agreements)
-
Sales value of installment loans in Poland 2020-2024

Sales value of installment loans in Poland 2020-2024
Value of installment loan sales in Poland from 2020 to 2024 (in billion zloty)
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Value of loans granted by the financial intermediation sector in Poland 2023-2024

Value of loans granted by the financial intermediation sector in Poland 2023-2024
Value of loans granted by the financial intermediation sector in Poland from 2023 to 2024 (in billion zloty)
-
Average number of installment loan payments Poland 2023, by product category

Average number of installment loan payments Poland 2023, by product category
Average number of installment loan payments in Poland in 2023, by product category
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Average value of installment loans in Poland 2023, by industry

Average value of installment loans in Poland 2023, by industry
Average value of installment loans in Poland in 2023, by product category (in 1,000s)
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Distribution of the value of installment loans granted in Poland 2024, by value

Distribution of the value of installment loans granted in Poland 2024, by value
Distribution of the value of installment loans granted in Poland in 2024, by loan value
Mortgages
9
- Number of active mortgage loan agreements in Poland 2006-2024
- Number of new home loans in Poland 2019-2024
- Real estate loans to households in Poland 2010-2024
- Value of mortgage loans granted in Poland 2005-2024
- Average value of new mortgages granted in Poland 2020-2024
- Demand for mortgage loans in Poland 2017-2025
- Distribution of newly granted home loans in Poland 2016-2026, by loan term
- Distribution of newly granted home loans in Poland 2016-2024, by loan amount
- Share of foreign currency loans in housing loans to households in Poland 2013-2024
Mortgages
-
Number of active mortgage loan agreements in Poland 2006-2024

Number of active mortgage loan agreements in Poland 2006-2024
Number of active housing loan contracts in Poland from 2006 to 2024 (in 1,000s)
-
Number of new home loans in Poland 2019-2024

Number of new home loans in Poland 2019-2024
Number of new housing loans granted in Poland from 2019 to 2024 (in 1,000s)
-
Real estate loans to households in Poland 2010-2024

Real estate loans to households in Poland 2010-2024
Annual lending in real estate loans to households in Poland from 2010 to 2024 (in million zloty)
-
Value of mortgage loans granted in Poland 2005-2024

Value of mortgage loans granted in Poland 2005-2024
Value of granted housing loans in Poland from 2005 to 2024 (in billion zloty)
-
Average value of new mortgages granted in Poland 2020-2024

Average value of new mortgages granted in Poland 2020-2024
Average value of a new home loan granted in Poland from 4th quarter 2020 to 4th quarter 2024 (in zloty)
-
Demand for mortgage loans in Poland 2017-2025

Demand for mortgage loans in Poland 2017-2025
Change in demand for housing loans in Poland from 2017 to 2025
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Distribution of newly granted home loans in Poland 2016-2026, by loan term

Distribution of newly granted home loans in Poland 2016-2026, by loan term
Structure of newly granted housing loans in Poland from 2016 to 2026, by loan term
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Distribution of newly granted home loans in Poland 2016-2024, by loan amount

Distribution of newly granted home loans in Poland 2016-2024, by loan amount
Structure of newly granted housing loans in Poland from 2016 to 2024, by loan amount
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Share of foreign currency loans in housing loans to households in Poland 2013-2024

Share of foreign currency loans in housing loans to households in Poland 2013-2024
Share of foreign currency loans in housing loans to households in Poland from 2013 to 2024
Leasing
8
- Number of leased assets in Poland 2018-2023
- Number of lessees in Poland 2018-2023
- Number of lessees in Poland 2023, by sector
- Assets financed by leasing companies in Poland 2018-2024
- Value of new lease agreements in Poland 2023, by lease type and asset
- Value of leases and loans in Poland 2024, by product group
- Number of leased vehicles in Poland 2020-2023, by car type
- Ranking of leasing companies in Poland 2024, by value of fixed asset financing
Leasing
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Number of leased assets in Poland 2018-2023

Number of leased assets in Poland 2018-2023
Number of leased assets in Poland from 2018 to 2023
-
Number of lessees in Poland 2018-2023

Number of lessees in Poland 2018-2023
Number of lessees in Poland from 2018 to 2023
-
Number of lessees in Poland 2023, by sector

Number of lessees in Poland 2023, by sector
Number of lessees in Poland in 2023, by sector
-
Assets financed by leasing companies in Poland 2018-2024

Assets financed by leasing companies in Poland 2018-2024
Value of assets financed by leasing companies in Poland in 2018 and 2024 (in billion zloty)
-
Value of new lease agreements in Poland 2023, by lease type and asset

Value of new lease agreements in Poland 2023, by lease type and asset
Value of new lease agreements concluded in Poland in 2023, by type of lease and asset (in million zloty)
-
Value of leases and loans in Poland 2024, by product group

Value of leases and loans in Poland 2024, by product group
Value of leases and loans in Poland in 2024, by group of products (in billion zloty)
-
Number of leased vehicles in Poland 2020-2023, by car type

Number of leased vehicles in Poland 2020-2023, by car type
Number of leased vehicles in Poland from 2020 to 2023, by type of vehicle
-
Ranking of leasing companies in Poland 2024, by value of fixed asset financing

Ranking of leasing companies in Poland 2024, by value of fixed asset financing
Ranking of leasing companies in Poland in 2024, by value of fixed asset financing (in million zloty)
Non-bank loans
7
- Sales number of non-bank loans in Poland 2020-2024
- Sales value of non-bank loans in Poland 2020-2024
- Number of credits and loans granted by financial intermediaries in Poland 2020-2024
- Value of credits and loans granted by financial intermediaries in Poland 2020-2024
- Monthly number of new loans granted by loan companies in Poland 2021-2025
- Monthly value of new loans granted by loan companies in Poland 2021-2025
- Repayment period of credit/loan granted by credit intermediaries Poland 2023-2024
Non-bank loans
-
Sales number of non-bank loans in Poland 2020-2024

Sales number of non-bank loans in Poland 2020-2024
Number of non-bank loan sales in Poland from 2020 to 2024 (in millions of agreements)
-
Sales value of non-bank loans in Poland 2020-2024

Sales value of non-bank loans in Poland 2020-2024
Value of non-bank loan sales in Poland from 2020 to 2024 (in billion zloty)
-
Number of credits and loans granted by financial intermediaries in Poland 2020-2024

Number of credits and loans granted by financial intermediaries in Poland 2020-2024
Number of credits and loans granted with the participation of credit intermediaries in Poland from 2020 to 2024, by type of loan (in 1,000s)
-
Value of credits and loans granted by financial intermediaries in Poland 2020-2024

Value of credits and loans granted by financial intermediaries in Poland 2020-2024
Value of credits and loans granted with the participation of credit intermediaries in Poland from 2020 to 2024, by type of loan (in million zloty)
-
Monthly number of new loans granted by loan companies in Poland 2021-2025

Monthly number of new loans granted by loan companies in Poland 2021-2025
Monthly number of new loans granted by loan companies in Poland from October 2021 to June 2025 (in 1,000 zloty)
-
Monthly value of new loans granted by loan companies in Poland 2021-2025

Monthly value of new loans granted by loan companies in Poland 2021-2025
Monthly value of new loans granted by loan companies in Poland from 2021 to 2025 (in million zloty)
-
Repayment period of credit/loan granted by credit intermediaries Poland 2023-2024

Repayment period of credit/loan granted by credit intermediaries Poland 2023-2024
Average repayment period of credit or loan granted by credit intermediaries in Poland from 2023 to 2024 (in months)
BNPL
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BNPL loan market in Poland 2024

BNPL loan market in Poland 2024
Buy now and pay later (BNPL) loan market in Poland in January 2024
-
Distribution of BNPL loans granted in Poland 2024

Distribution of BNPL loans granted in Poland 2024
Distribution of buy now and pay later (BNPL) loans granted in Poland in January 2024
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Share of people using BNPL transactions in Poland 2024, by age

Share of people using BNPL transactions in Poland 2024, by age
Share of people using buy now pay later (BNPL) transactions in Poland in 2024, by age group
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Largest lending companies & BNPL operators in Poland 2023, by assets

Largest lending companies & BNPL operators in Poland 2023, by assets
Ranking of the largest lending companies and BNPL operators in Poland in 2023, by assets value (in 1,000 zloty)
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Revenues of BNPL operators in Poland 2021-2023, by operator

Revenues of BNPL operators in Poland 2021-2023, by operator
Revenues of buy now pay later (BNPL) operators in Poland from 2021 to 2023, by operator (in million zloty)
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