The high price of a product may discourage purchase, but splitting the payment into several smaller parts makes the decision much easier. Installment sales increase conversion and reduce the number of abandoned carts. And that’s just the beginning of its advantages.

From the text below, you'll learn:

  • why installments attract customers with higher creditworthiness;
  • how installments affect shopping cart value;
  • how installment sales can help you build long-term relationships with buyers.

To support these claims, we present the latest data from BIK reports and the e-commerce industry, showing how installment sales are driving sales performance.

Key takeaways:

  • in the first half of 2025, over 5 million installment loans were granted;
  • with the ability to finance purchases in installments, customers are more likely to choose higher-end and better quality products;
  • almost 40% of installment loans involve amounts over PLN 10,000 — installments are mostly used for higher-value purchases;
  • installment purchase decisions are usually more considered;
  • a variety of payment methods, including online installments, boosts conversion and reduces cart abandonment.

1. Installment sales are not a niche

In the first half of 2025, over 5 million installment loans were granted. By comparison, just over 2.2 million cash loans and over 100,000 mortgage loans were issued. BIK data clearly shows that installment financing remains one of the most popular credit products in Poland.

The total value of installment loans taken out in the first half of 2025 was PLN 11.6 billion.

2. Shopping cart value increases with installment financing

Offering installment purchasing is one of the ways to increase e-commerce sales. Installments give customers the ability to buy products of higher quality, improved standards, or additional accessories that enhance the user experience.

Installment financing allows customers to go for more expensive models or more products without placing excessive strain on their budgets. Moreover, they don’t have to delay their purchasing decisions until they save enough money.

In September 2025, the average installment loan amount was PLN 2,154. Comparing this year-over-year, it was 9.2% lower in September 2024.

In the article “How to sell on installments in e-commerce? A complete Przelewy24 Installments guide” you can find a case study from the store depilacja.pl, where the shopping cart value increased by 45% thanks to installments.

3. 4 in 10 installment loans exceed PLN 10,000

Deferred payment options such as PayPo or BLIK Pay Later are changing customer behavior by encouraging them to delay payment. However, these payment methods are increasingly used for lower-value shopping carts. The more expensive the purchase, the more likely customers are to opt for traditional installment loans.

According to BIK data, in the first half of 2025, installment loans above PLN 10,000 recorded the highest growth rate (3%). This shows that consumers primarily use installments to finance larger and more expensive purchases rather than everyday low-value transactions. In the analyzed period, nearly 40% of installment loans were taken out for amounts exceeding PLN 10,000.

No matter what product you offer, let your customers pay for it using payment methods available through Przelewy24.

4. Splitting payments into installments reduces return risk

It's no coincidence that the word "credit" is synonymous with "commitment." Choosing to buy on installments requires regular repayments, which makes consumers more conscious in their decision-making. A customer who opts for installment payments is less likely to act impulsively and thus less likely to initiate a product return. For you as a seller, this means a lower risk of purchase cancellations and greater revenue stability.

However, if a customer does return an installment-financed product, Przelewy24 Installments offers complete return handling.

5. Buying on installments and creditworthiness

Installment payments are most frequently used by customers aged 35–49. These are typically individuals with a stable professional and financial situation. They have the necessary creditworthiness to secure loan approval from banks, which indicates their reliability and financial management skills.

This is valuable information for you — a customer who commits to a long-term financial obligation provides more stable revenue and better sales predictability. When offering installment payments, treat them as a tool for building relationships with loyal, conscious consumers. Remember this also applies to 0% installment promotions — consider them an investment.

6. Customers like having options

According to the report “E-commerce in Poland 2025,” 1 in 3 customers assess an online store’s credibility based on the availability of various payment methods.

Przelewy24 offers numerous payment options: from fast online transfers, BLIK, or payment cards to digital wallets and Click to Pay. Przelewy24 Installments is one of them. This wide range is designed to provide customers with choice. It’s this freedom that makes online shopping convenient and tailored to individual preferences. Customers are more likely to return to stores that let them pay the way they prefer — whether immediately or over time.

What’s more, if the customer's preferred method is among the payment options, cart abandonment risk is minimized.

Want convenient payment processing? Check out payment solutions from Przelewy24

FAQ — Frequently Asked Questions

Which industries benefit the most from implementing installment payments?

The more valuable the shopping cart, the more likely customers are to finance their purchases with installments. Online installments work great in industries like electronics, home appliances, automotive, furniture, beauty, travel, and premium products such as branded clothing, luxury accessories, or high-end home decor.

Is implementing installment payments technically complicated?

No, thanks to integrations offered by Przelewy24, adding installments to your online store is quick and doesn’t require advanced technical knowledge. Ready-made plugins for the most popular e-commerce platforms like Shopify can be found in the “Downloads” section.

When does the seller receive payment for installment-financed goods?

In the case of Przelewy24 Installments, the funds for sold goods or services are transferred to the seller immediately after the transaction is finalized.

Sources:

  • BIK Loan Newsletter, individual clients. July 2025, online source: https://media.bik.pl/informacje-prasowe/att/2876992, access: November 4, 2025
  • “Summary of H1 2025 in the loan and credit market,” online source: https://media.bik.pl/informacje-prasowe/855684/bik-pierwsze-polrocze-pod-znakiem-bnpl-pozyczek-i-kredytow-gotowkowych-ozywienie-w-kredytach-mieszkaniowych, access: November 4, 2025
  • BIK: Data on bank loans in September 2025, online source: https://media.bik.pl/informacje-prasowe/859943/bik-dane-o-kredytach-bankowych-we-wrzesniu-2025-r, access: November 4, 2025
  • “E-commerce in Poland 2024,” online source: https://gemius.com/documents/66/RAPORT_E-COMMERCE_2024.pdf, access: November 4, 2025
  • “E-commerce in Poland 2025,” online source: https://gemius.com/documents/81/RAPORT_E-COMMERCE_2025.pdf, access: November 4, 2025