9:01 19 July 2025
Poland’s Short-Term Loan Market Becomes More Responsible
The Polish short-term loan market, often associated with so-called "chwilówki" – loans of up to 60 days – is transforming. Two main factors are driving this change: the growing professionalism of lending firms and increasing financial awareness among borrowers.
Lenders now place greater emphasis on assessing creditworthiness, which improves loan matching and reduces risk. At the same time, Polish consumers are more cautious, avoiding debt beyond their means.
“Clients are more aware of their financial limits, which helps prevent over-indebtedness. We are seeing a clear drop in defaults on short-term loans,” Prof. Waldemar Rogowski, Chief Analyst at BIG InfoMonitor, said.
This shift benefits both sides. Borrowers receive offers better tailored to their needs, while lenders see improved repayment rates. As this mutual responsibility grows, the market is stabilizing and may experience further development, leading to stronger lender–borrower relationships soon.
