Short answer
According to the Polish Leasing Association (Związek Polskiego Leasingu, ZPL), its members financed assets worth PLN 119.5 billion in 2025 (leasing and leasing loans), 8.1% more than a year earlier. In the first three quarters of 2026 financing reached PLN 92.9 billion (+8.8% year on year). Vehicles account for about three quarters of the market, and leasing loans are the fastest-growing product.
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2025
The market in 2025
- Total financing PLN 119.5 bn (+8.1% y/y)
- Of which leasing PLN 102.1 bn (+5.5%)
- Of which leasing loans PLN 17.3 bn (+27.1%)
- Vehicles PLN 88.1 bn - about 74% of the market
- Machinery and equipment PLN 26.7 bn - about 22% of the market
- Share of SMEs in financed investment about 71%
Source: BANK.pl report of ZPL data, published 5 February 2026. Light vehicles accounted for PLN 67.4 billion (+11.6%) and heavy vehicles for PLN 19.7 billion (+4.4%).
2026
First three quarters of 2026
| Segment (Q1-Q3 2026) | Value | Change y/y |
|---|---|---|
| Total market | PLN 92.9 bn | +8.8% |
| Leasing | PLN 77.5 bn | +6.8% |
| Leasing loans | PLN 15.4 bn | +20.2% |
| Vehicles | PLN 69.7 bn | +11.4% |
| Light vehicles | PLN 51.6 bn | +8.2% |
| Heavy vehicles | PLN 17.3 bn | +21.8% |
| Machinery and equipment | PLN 19.8 bn | +1.4% |
| Real estate | PLN 0.43 bn | -1.8% |
Source: BANK.pl report of ZPL data, published 26 October 2026. Vehicles made up about 75% of the market and machinery about 21%. Financing of agricultural machinery fell markedly (-18.9%), while forklifts, catering equipment, food-industry machinery and medical equipment grew. In that publication ZPL expected the market to grow by about 8.4% in the whole of 2026 - a forecast, not a result.
Method
How to read the figures
ZPL statistics are based on data from member companies. ZPL and associated organisations represent most of the market, but not every leasing company, so the figures do not cover 100% of leasing in Poland. The values refer to new financing granted in the period (net asset values), not to the portfolio of running contracts. ZPL usually publishes full-year data at the beginning of the following year; always quote the period and the source.
Takeaways
What it means for businesses
- Leasing is mainly for SMEs. About 70% of financed investment goes to small and medium-sized enterprises, so products and procedures are tailored to them.
- Leasing loans are growing faster than leasing. In a leasing loan your business owns the asset from day one - see how leasing works.
- Heavy transport is recovering after weaker years, with heavy-vehicle financing up 21.8% in three quarters of 2026.
If you plan to finance an asset, see machinery and equipment leasing or send a leasing inquiry.
Read more
See also
Our principles
How the service works: who pays us, how inquiries are passed to leasing companies, what data we collect and how content is prepared and verified.Glossary
Glossary of Polish leasing terms in English: opłata wstępna, wykup, korzystający, finansujący, OWU, VAT-26, limit kosztów and more, with short explanations.For partners
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Questions
Frequently asked questions
Does market growth mean leasing is easier to get?
Not necessarily. Growth partly reflects higher asset prices and business investment. Each application is assessed individually by the leasing company.
Are consumer leases included?
ZPL data also cover financing for consumers, but their share is small - the Polish leasing market is predominantly business finance.