January loans reach PLN 1,93 billion according to ZPF and CRIF

ZPF and CRIF present the first monthly data on the non-bank loan market for 2026. The January value of disbursements is PLN 1.93 billion, 2%. more than in December and by 22.4 percent more year to year. The number of loans reaches 429.4 thousand; is by 0.3 percent lower per month, but by 8.8 percent higher in annual comparison.

The average financing value is PLN 4,492. The report maintains a picture of a market where the increase in amounts is associated with careful customer assessment, and not with a general relaxation of the rules for granting money. The study covers approximately 90 percent. sector according to the authors' assumptions.

Additional analysis of the frequency of use shows that 44 percent active borrowers seek financing only in one month of the year. The indicator describes the group analyzed in the study, not the number of all adult Poles. The February announcement presents a closed January and allows you to compare the beginning of the year with the holiday season. It is not a promise of loan availability or a specific level of application acceptance.