The Polish credit market is poised for a significant revival in 2026, according to the latest insights. After witnessing a noteworthy increase in 2025, where retail credit rose by 4.1% and business loans surged by 8.9% compared to the previous years, experts predict that this trend will continue into the next year. Lower interest rates are expected to bolster creditworthiness among consumers and businesses alike, essentially revitalizing the lending landscape in Poland.

Experts, such as Marta Petka-Zagajewska from the macroeconomic analysis office, emphasize that 2026 will be characterized by broad-based credit recovery, impacting both economic entities and households. The housing loan sector is anticipated to emerge as a key growth engine within the credit market, highlighting the changing dynamics in demand for various types of loans. Additionally, emerging financial programs like KPO and SAFE may play a role in stimulating credit activity across the country.

As the Polish economy navigates through these changes, the strategy of lending could see shifts, particularly in how businesses are financed. The article raises essential questions about the sustainability of this credit boom and whether it will lead to a long-term positive trend or a potential pause in the market's growth. As such, it becomes critical to monitor not just interest rates but also broader economic factors that may influence lending and borrowing behavior in the coming years.