Borrowing estimates for Ceredigion, built from published survey rates and population figures.
An estimated 51,600 adults in Ceredigion held at least one credit or loan product in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 84% of adults in Wales held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 61,427 adults aged 18 and over in Ceredigion (ONS mid-2024 population estimates, single-year ages summed).
An estimated 37,500 adults in Ceredigion held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 61% of adults in Wales held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 61,427 adults aged 18 and over in Ceredigion (ONS mid-2024 population estimates, single-year ages summed).
An estimated 14,700 adults in Ceredigion were overdrawn on a current account in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 24% of adults in Wales were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 61,427 adults aged 18 and over in Ceredigion (ONS mid-2024 population estimates, single-year ages summed).
An estimated 16,000 adults in Ceredigion had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 26% of adults in Wales had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 61,427 adults aged 18 and over in Ceredigion (ONS mid-2024 population estimates, single-year ages summed).
An estimated 14,100 adults in Ceredigion used buy now, pay later credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 23% of adults in Wales used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 61,427 adults aged 18 and over in Ceredigion (ONS mid-2024 population estimates, single-year ages summed).
An estimated 4,480 adults in Ceredigion held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 7.3% of adults in Wales held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 61,427 adults aged 18 and over in Ceredigion (ONS mid-2024 population estimates, single-year ages summed).
An estimated 15,400 adults in Ceredigion had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 25% of adults in Wales had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 61,427 adults aged 18 and over in Ceredigion (ONS mid-2024 population estimates, single-year ages summed).
An estimated 5,530 adults in Ceredigion were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 9% of adults in Wales were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 61,427 adults aged 18 and over in Ceredigion (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Ceredigion was 62,853 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.
An estimated 51,600 adults in Ceredigion held at least one credit or loan product in 2024. An estimated 37,500 adults in Ceredigion held a credit card in 2024. An estimated 14,700 adults in Ceredigion were overdrawn on a current account in 2024.
An estimated 51,600 adults in Ceredigion held at least one credit or loan product in 2024.
An estimated 37,500 adults in Ceredigion held a credit card in 2024.
An estimated 14,700 adults in Ceredigion were overdrawn on a current account in 2024.