In 2025, Poland experienced a remarkable surge in the demand for loans and credit, with households taking out record amounts as economic indicators showed a positive trend. Mariusz Cholewa, president of the Credit Information Bureau (BIK), highlighted the significant macroeconomic stability, including a decrease in inflation rates to 2.4% and a reference rate reduction to 4% by December. With rising wages and low unemployment, consumers felt confident in making financial decisions, contributing to the historic highs in credit uptake.

Cholewa pointed out that the market saw a notable increase in both consumer loans and housing credits, with various demographic groups engaging actively in borrowing. Factors like changes in installment financing and the rise of 'Buy Now, Pay Later' services have also played a major role in this boom, catering to a more diverse range of borrowers. The favorable conditions in the financial market created an environment conducive to such borrowing behavior, pushing many to take advantage of the more accessible credit options.

As the demand for loans and credit expanded, the Credit Information Bureau's insights indicated impacts on financial behaviors among different age groups, with younger demographics increasingly open to leveraging credit for both consumption and investment. This trend reflects a shift in attitudes towards borrowing, potentially influencing future policies in personal finance and lending practices as the market continues to adapt to changing consumer needs.