{"componentChunkName":"component---src-templates-post-js","path":"/rynek-pozyczkowy-w-polsce-rosnie-ale-84-proc-wnioskow-konczy-sie-odmowa/","result":{"data":{"mysqlPost":{"id":"mysql__Post__94617","ID":94617,"post_date":"2026-08-28T09:40:46.000Z","post_modified":"2026-08-28T09:40:46.000Z","lead":"W lipcu 2026 roku firmy pożyczkowe odrzuciły prawie 84 proc. wniosków o finansowanie. Nowe dane ZPF i CRIF.","post_content":"<p>Związek Przedsiębiorstw Finansowych w Polsce (ZPF) oraz CRIF opublikowały najnowszy raport „Kondycja rynku pożyczkowego w Polsce”. Analiza została przygotowana na podstawie danych firm reprezentujących około 90 proc. rynku pożyczek pozabankowych.</p><h2>Prawie 84 proc. odrzuconych wniosków</h2><p>Wartość pożyczek udzielonych w lipcu była o 3,8 proc. wyższa niż w czerwcu i o 16,9 proc. wyższa niż przed rokiem. Liczba udzielonych pożyczek wzrosła o 3,7 proc. m/m i o 8,6 proc. r/r.</p><p>Średnia wartość pożyczki wyniosła 4729 zł. W porównaniu z czerwcem wzrosła zaledwie o 0,1 proc., a w ujęciu rocznym o 7,6 proc.</p><p>W lipcu odsetek odrzuconych wniosków o finansowanie wyniósł 83,9 proc. wobec 82,4 proc. w czerwcu. To najwyższy poziom w okresie przedstawionym w raporcie. Udział nowych klientów wyniósł 9,4 proc. – o 0,1 pkt proc. więcej niż miesiąc wcześniej i o 0,5 pkt proc. mniej niż przed rokiem.</p><p>W okresie od sierpnia 2025 r. do lipca 2026 r. finansowania nie otrzymało 502,1 tys. osób, które się o nie ubiegały. Spośród nich 38,2 proc. złożyło jeden wniosek, a 36,3 proc. od dwóch do dziesięciu.</p><p>– Lipcowe dane pokazują, że wzrost <a href=\"https://fintek.pl/aktualnosci/lendtech/\">rynku pożyczkowego</a> nie idzie w parze z szerszym dostępem do finansowania. Warto zwrócić uwagę na relację między liczbą osób ubiegających się o finansowanie a liczbą klientów, którzy ostatecznie je otrzymują. Przy odrzuceniach sięgających 83,9% coraz ważniejsza staje się nie sama liczba dostępnych ofert, ale skuteczność dopasowania klienta do produktu i kryteriów konkretnej instytucji – mówi Dominik Ciula, Country Manager Loando.</p><p><img decoding=\"async\" class=\"alignnone wp-image-94618 size-full\" src=\"https://fintek.pl/wp-content/uploads/2026/08/Zrzut-ekranu-2026-08-28-o-11.32.50.png\" alt=\"ZPF raport lipiec 2026\" width=\"100%\" height=\"521\" srcset=\"https://fintek.pl/wp-content/uploads/2026/08/Zrzut-ekranu-2026-08-28-o-11.32.50.png 994w, https://fintek.pl/wp-content/uploads/2026/08/Zrzut-ekranu-2026-08-28-o-11.32.50-500x262.png 500w, https://fintek.pl/wp-content/uploads/2026/08/Zrzut-ekranu-2026-08-28-o-11.32.50-768x403.png 768w\" sizes=\"(max-width: 994px) 100vw, 994px\"></p><h2>Bieżące nastroje słabsze, oczekiwania lepsze</h2><p>W lipcu inflacja wyniosła 3,0 proc. r/r, a sprzedaż detaliczna w cenach stałych, po wyrównaniu sezonowym, była o 4,3 proc. wyższa niż przed rokiem. Jednocześnie pogorszyły się oceny konsumentów dotyczące bieżącej sytuacji, przy lepszych oczekiwaniach na kolejne miesiące.</p><p>– Ciekawy jest również fakt, że średnia wartość pożyczki praktycznie nie zmieniła się miesiąc do miesiąca. Oznacza to, że lipcowy wzrost wartości rynku został zbudowany przede wszystkim na większej liczbie udzielonych pożyczek. Może to wskazywać na utrzymujący się popyt na relatywnie niewielkie kwoty finansowania, przy jednoczesnym zachowaniu wysokiej ostrożności po stronie instytucji. Dla konsumenta oznacza to, że coraz większego znaczenia nabiera świadome porównanie dostępnych możliwości przed złożeniem wniosku –  dodaje Dominik Ciula.</p><p>ZPF oraz CRIF co miesiąc publikują dane dotyczące rynku pożyczek pozabankowych w Polsce. Najnowszy raport obejmuje wyniki za lipiec 2026 r. Dostępny jest na stronie: https://zpf.pl/kondycja-sektora-pozyczkowego-w-polsce/</p>\n","post_title":"Pieniądze nie dla każdego. Firmy pożyczkowe odrzucają rekordową liczbę wniosków","post_excerpt":"W lipcu 2026 roku instytucje pożyczkowe odrzuciły prawie 84 proc. wniosków o finansowanie. Jednocześnie wartość i liczba udzielonych pożyczek wzrosły zarówno w ujęciu miesięcznym, jak i rocznym - wynika z najnowszego raportu ZPF i CRIF.","post_name":"rynek-pozyczkowy-w-polsce-rosnie-ale-84-proc-wnioskow-konczy-sie-odmowa","nofollow":0,"postterms":[{"term_id":8,"name":"Najnowsze wiadomości ze świata Fintechu","slug":"aktualnosci","parent_slug":null},{"term_id":10771,"name":"LendTech","slug":"lendtech","parent_slug":"aktualnosci"}],"author":{"display_name":"Rafał Tomaszewski","user_nicename":"rafal-tomaszewski","mysqlImage":{"childImageSharp":{"fluid":{"base64":"data:image/webp;base64,UklGRpoAAABXRUJQVlA4II4AAACwBACdASoUABQAPtFcp04oJSOiKAqpABoJQBOgAjZ7gm+qjFmHdCTLrxICOKoAAP6NN+vCgOmxZ406vDMX+cQWeD6gp+tkt+FfD/KC4T/UpV3Hngrs0LDrFQQVaO5wKwzsUShe5TVZsO6jMlTo21sE8B069wMarJ9NtEPN4WtQq2uWwM1AbjIR6dh1AAAA","aspectRatio":1,"src":"/static/7e5fce5fb8dc8720bf045020a5fbcd56/ff02b/rafal-tomaszewski.webp","srcSet":"/static/7e5fce5fb8dc8720bf045020a5fbcd56/8d998/rafal-tomaszewski.webp 25w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/48562/rafal-tomaszewski.webp 50w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/ff02b/rafal-tomaszewski.webp 100w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/1c591/rafal-tomaszewski.webp 150w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/a4d7d/rafal-tomaszewski.webp 200w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/dea5e/rafal-tomaszewski.webp 440w","srcWebp":"/static/7e5fce5fb8dc8720bf045020a5fbcd56/ff02b/rafal-tomaszewski.webp","srcSetWebp":"/static/7e5fce5fb8dc8720bf045020a5fbcd56/8d998/rafal-tomaszewski.webp 25w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/48562/rafal-tomaszewski.webp 50w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/ff02b/rafal-tomaszewski.webp 100w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/1c591/rafal-tomaszewski.webp 150w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/a4d7d/rafal-tomaszewski.webp 200w,\n/static/7e5fce5fb8dc8720bf045020a5fbcd56/dea5e/rafal-tomaszewski.webp 440w","sizes":"(max-width: 100px) 100vw, 100px"}}}},"postmetas":[{"meta_key":"wpcf-top-kategoria","meta_value":"0"},{"meta_key":"wpcf-wstep","meta_value":"W lipcu 2026 roku firmy pożyczkowe odrzuciły prawie 84 proc. wniosków o finansowanie. 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