Credit intermediation companies and firms granting loans from their own funds arranged PLN 124.9 billion worth of loans in 2025, according to Statistics Poland. The market expanded by nearly 14% year on year, while online sales continued to gain ground and are now approaching the share held by traditional branches. The sector still relies predominantly on civil-law contracts rather than standard employment contracts, and the largest value of loans went to customers in the Mazowieckie voivodeship.
Credit intermediation market grows faster than in 2024
Badaniem GUS za 2025 r. objęto 174 podmioty prowadzące działalność pośrednictwa kredytowego lub udzielające pożyczek ze środków własnych. Spośród nich 93 udzielały pożyczek z własnego kapitału, 77 pośredniczyło w sprzedaży kredytów i pożyczek we współpracy z bankami, a 4 prowadziły działalność mieszaną. Łączna wartość udzielonych kredytów i pożyczek wyniosła PLN 124.9bn, co oznacza wzrost o 13,9% w porównaniu z 2024 r. Zdecydowana większość tej kwoty – 112,3 mld zł – trafiła do osób fizycznych, a 12,6 mld zł do przedsiębiorstw.
In value terms, the market was dominated by mortgage loans, which accounted for 48.5% of all loans granted, and loans financed from intermediaries’ own funds, with a 44.7% share. Cash loans accounted for only 5.7% of the market, even though this segment recorded the highest number of agreements.
Online sales are closing in on traditional branches
The sales-channel structure illustrates the continuing digitalisation of the sector. In 2025, loans worth PLN 46.3 billion were granted directly through branches, accounting for 37.1% of the total market. This remained the largest channel, but its lead over online sales narrowed significantly. Internet-based sales already reached PLN 42.3 billion, or 33.9% of the market. The remainder was divided among agents (PLN 17.3 billion, 17.3%), direct sales at the customer’s location (PLN 11.6 billion, 9.3%) and telephone sales, which remained marginal (PLN 2.0 billion, 1.6%).
Importantly, online and branch channels serve very different customer profiles. Among entities granting loans from their own funds, the internet accounted for as much as 72.7% of sales value. By contrast, branches remained the dominant channel among entities cooperating with banks, representing 65.5% of that group’s sales. This confirms that more formalised banking products, such as mortgage loans, still more often require face-to-face contact with the customer.
Mazowieckie and Śląskie lead the market
Geographically, the credit intermediation market remains highly concentrated. The Mazowieckie voivodeship accounted for PLN 41.1 billion in loans, or 32.9% of the total market value — more than the next three voivodeships combined. Śląskie ranked second with PLN 13.7 billion (11.0%), followed by Dolnośląskie with PLN 10.7 billion (8.6%). The lowest values were recorded in Podlaskie (PLN 2.2 billion) and Świętokrzyskie (PLN 2.3 billion).
The sector relies mainly on civil-law contracts, not standard employment
At the end of 2025, the surveyed entities employed a total of 17,200 people. However, the clear majority — 9,700, or 56.4% — worked under mandate contracts, agency agreements, contracts for specific work or management contracts. Only 5,100 people, or 29.6%, were employed under standard employment contracts or on the basis of appointment, nomination or election. A further 2,500 people, or 14.3%, operated under the Entrepreneurs’ Law as self-employed individuals. This model was particularly visible among entities cooperating with banks, where every person employed under a standard employment contract was accompanied by more than five people working under civil-law contracts or as self-employed contractors. The distribution network consisted of 1,124 branches and representative offices.
Financial results: revenue grows faster than costs
Statistics Poland presented financial data for 122 entities keeping full accounting records, for which credit intermediation or lending was the sole or dominant activity. Total revenue generated by this group increased by 15.6% to PLN 8,009 million, while costs rose more slowly, by 13.3%, to PLN 6,342 million. As a result, the net profit of the surveyed entities increased by 20.8%, from PLN 1,062.1 million to PLN 1,282.7 million. Of the 122 enterprises, 97 generated a combined net profit of PLN 1,365 million, while 25 reported total losses of PLN 82 million.
The value of assets held by the surveyed entities increased by 14.0% to PLN 21,649 million. Non-current assets, representing 51.3% of total assets, slightly exceeded current assets, which accounted for 48.7%. On the liabilities side, liabilities and provisions represented 81.3% of the balance-sheet total, while equity accounted for 18.7%.
Shorter repayment periods despite rising loan values
One notable development is the shortening of the average repayment period for most credit products. The average repayment term for a mortgage loan fell from 366 to 299 months, for a cash loan from 81 to 75 months, and for a cash advance from 42 to 33 months. The only increase was recorded for loans granted from intermediaries’ own funds, where the average term rose from 16 to 18 months. Shorter lending periods combined with higher sales values may indicate improving customer creditworthiness and lower financing costs in 2025.
