Borrowing estimates for Croydon, built from published survey rates and population figures.
An estimated 269,000 adults in Croydon 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: 85% of adults in London held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 316,608 adults aged 18 and over in Croydon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 212,000 adults in Croydon held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 67% of adults in London held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 316,608 adults aged 18 and over in Croydon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 66,500 adults in Croydon 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: 21% of adults in London were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 316,608 adults aged 18 and over in Croydon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 72,800 adults in Croydon had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 23% of adults in London had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 316,608 adults aged 18 and over in Croydon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 57,000 adults in Croydon 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: 18% of adults in London used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 316,608 adults aged 18 and over in Croydon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 20,600 adults in Croydon held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 6.5% of adults in London held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 316,608 adults aged 18 and over in Croydon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 85,500 adults in Croydon had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 27% of adults in London had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 316,608 adults aged 18 and over in Croydon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 31,700 adults in Croydon were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 10% of adults in London were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 316,608 adults aged 18 and over in Croydon (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Croydon was 329,290 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 269,000 adults in Croydon held at least one credit or loan product in 2024. An estimated 212,000 adults in Croydon held a credit card in 2024. An estimated 66,500 adults in Croydon were overdrawn on a current account in 2024.
An estimated 269,000 adults in Croydon held at least one credit or loan product in 2024.
An estimated 212,000 adults in Croydon held a credit card in 2024.
An estimated 66,500 adults in Croydon were overdrawn on a current account in 2024.