Borrowing Data

Borrowing statistics in Barnsley 2026

Last updated November 2026 · Data to mid-2025 · Barnsley

Borrowing figures for Barnsley, from Borrowing Data and the Office for National Statistics.

179,000

Credit or loan holders

In 2024, 179,000 adults in Barnsley held at least one credit or loan product.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; held now or in the previous 12 months. Includes regulated and unregulated credit.

130,000

Credit card holders

In 2024, 130,000 adults in Barnsley held a credit card.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; held now or in the previous 12 months.

46,500

Overdraft users

In 2024, 46,500 adults in Barnsley were overdrawn on a current account.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; overdrawn on a current account now or in the previous 12 months.

31%

Residential mortgage holders

In 2024, 31 per cent of adults in Barnsley had a residential mortgage on the property they lived in.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; residential mortgage on the property they live in.

24%

Buy now, pay later users

In 2024, 24 per cent of adults in Barnsley used deferred payment credit (unregulated buy now, pay later) in the previous 12 months.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; unregulated buy now, pay later, called deferred payment credit in the survey, used in the previous 12 months.

5.1%

High-cost credit users

In 2024, 5.1 per cent of adults in Barnsley held high-cost credit (now or in the previous 12 months).

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; held now or in the previous 12 months. Covers home-collected, logbook, pawnbroking, payday, rent-to-own, short-term instalment and guarantor loans.

30%

Low financial resilience

In 2024, 30 per cent of adults in Barnsley had low financial resilience.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; in financial difficulty, heavily burdened by bills or credit commitments, or with low savings.

19,000

In financial difficulty

In 2024, 19,000 adults in Barnsley were in financial difficulty, having missed domestic bills or credit commitments in three or more of the previous six months.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; missed domestic bills or credit commitments in three or more of the previous six months.

207,226

Residents aged 16 and over

The estimated population aged 16 and over in Barnsley was 207,226 at mid-2025.

Source: Population estimates - local authority based by single year of age (Nomis NM_2002_1), mid-year estimates, Office for National Statistics, 30 June 2025

ONS mid-2025 population estimates (published 29 July 2026 for England and Wales; Scotland and Northern Ireland as carried in the same Nomis table), local authority boundaries as of April 2023, usual residents, as returned by the Nomis 'Aged 16+' category.

Key points

In 2024, 179,000 adults in Barnsley held at least one credit or loan product. In 2024, 130,000 adults in Barnsley held a credit card. In 2024, 46,500 adults in Barnsley were overdrawn on a current account.

Frequently asked questions

How many adults in Barnsley held at least one credit or loan product in 2024?

In 2024, 179,000 adults in Barnsley held at least one credit or loan product.

How many adults in Barnsley held a credit card in 2024?

In 2024, 130,000 adults in Barnsley held a credit card.

How many adults in Barnsley were overdrawn on a current account in 2024?

In 2024, 46,500 adults in Barnsley were overdrawn on a current account.