We borrow heavily. New data show a clear trend on the Polish market

The Credit Information Bureau (BIK) reported that in April the sales value of cash loans up to 60 days amounted to PLN 1.19 billion, which means an increase of 9.4%. compared to the same period last year.

In the previous month, 441,000 were granted. cash loans, by 3.2 percent less than in April 2025. These loans accounted for 71 percent. values ​​and 85 percent number awarded in April this year. cash loans. The average value of a cash loan for up to 60 days was PLN 2,977 and was 12.5% ​​higher than in the previous year. higher than the average amount granted in April a year ago.

BIK also reports that in the first four months, loan companies granted 1.842 million loans for up to 60 days, which means an increase of 2%. in relation to the same period last year. In terms of value, financing was granted for a total amount of PLN 4.814 billion. This is an increase of less than 15%.

Loans over 60 days. There is significant growth

What is the situation when it comes to cash loans for periods longer than 60 days? BIK reveals that in April alone, such loans worth PLN 484 million were granted, which means an increase of 9.7%. year to year. A total of 77,000 were awarded. pieces, which is a slight increase (by 0.4%) compared to April 2025. The average value of a cash loan over 60 days was PLN 6,287 and was 9.1% higher than in the previous year. higher than the average amount granted a year ago, .

In the period January-April this year, loan companies granted 300,000. loans over 60 days and this is an increase of 2.4%. in relation to the same period last year. In terms of value, financing was granted for a total amount of PLN 1.867 billion (12.7% more than a year ago).

BIK also reports that in April, loan companies granted a total of 1.018 million installment loans (an increase of 11.6% year-on-year) for the amount of PLN 695 million (an increase of 15.4% year-on-year). The average value of an installment loan was PLN 683 and was 3.4% higher than in the previous year. higher than the average value of such a loan granted in April 2025.

During the first four months of this year lending companies granted 3.916 million installment loans, which means an increase of 18.8%. compared to the same period last year. In terms of value, financing was granted for a total amount of PLN 2.594 billion (an increase of 18.5% year-on-year).