P2P Lending in Poland

August 4th, 2020
2 minutes read

The Polish Market for Crowdfunding and P2P Lending

According to data from the latest report by Cambridge Centre for Alternative Finance (CCAF) on the global market of alternative finance and crowdfunding, Poland had a total funding volume of €297.6 million in 2018, up from €158.3 million in 2017, which corresponds to a growth rate of 88.0%. This places Poland’s crowdfunding market as number 8 in Europe and as number 19 in the worldwide crowdfunding statistics. The countries topping the list in Europe are the United Kingdom, the Netherlands, Germany, France, and Italy.

Most of Poland’s crowdfunding funding volume derives from P2P/marketplace consumer lending which constitutes €251.3 million or 84% of the total volume. Also, Poland has the fourth-largest donation-based crowdfunding market in Europe with a size of €5.1 million.

Best Peer-to-Peer Lending Platforms in Poland

Here, you will find a list of the best peer-to-peer lending platforms in Poland. When choosing the best peer-to-peer lending sites in a country we consider a variety of factors that you can find in the Methodology below.

More P2P Lending Platforms in Poland

Below, you will find a list of the remaining peer-to-peer lending platforms located in Poland. If a new platform has been launched since this article was published and you do not see it here, please feel free to submit the platform by using the submit formula.

Sharing Data
Direct Marketplace Lending
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Taxation on Peer-to-Peer Loans in Poland

Polish peer-to-peer lenders are subject to a flat-rate income tax of 19% on the interest earned from investing in loans. Platforms will usually provide statistics to help you calculate your income tax but be aware that you are often responsible for settling the tax yourself.

To get a more in-depth overview of the Polish tax system for both companies and individuals, we can recommend this tax summary overview made by PwC.

Keep in mind that this should not be considered tax advice and can be outdated, why you should always contact a tax adviser when handling your taxes.

Regulation on P2P Lending in Poland

Some Polish crowdfunding activities might be subject to financial regulations, but there is still no regulation that specifically concerns crowdfunding or P2P lending. This means that crowdfunding is largely regulated by the Polish Civil Act and several other acts. You can read more about these acts in the European Crowdfunding Network Factsheet for Poland.


At P2PMarketData we are dedicated to providing an unbiased overview of the Peer-to-Peer Lending market and platforms. Among other, in our mission to bring more transparency to the market for online lending we track over 70 platforms funding volumes.

When choosing the best platforms in a country we have considered a variety of factors such as:

  • Number of investors
  • Minimum investment requirement
  • Historical annual returns
  • Diversification opportunities
  • Reinvestment opportunities
  • Educational and informational offerings
  • Platform fees
  • Total capital invested
  • Features (such as secondary market and automatic investing)
  • General transparency (the difficulty of finding who the owners are, how they make money on the platform (fees), terms & conditions and more)
  • Management team

We also look into the company’s online reputation (for example customer reviews, news, complaints, average monthly searches and social media).