Borrowing estimates for Derry City and Strabane, built from published survey rates and population figures.
96,800
Credit or loan holders
An estimated 96,800 adults in Derry City and Strabane 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: 83% of adults in Northern Ireland held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 116,625 adults aged 18 and over in Derry City and Strabane (ONS mid-2024 population estimates, single-year ages summed).
72,300
Credit card holders
An estimated 72,300 adults in Derry City and Strabane held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 62% of adults in Northern Ireland held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 116,625 adults aged 18 and over in Derry City and Strabane (ONS mid-2024 population estimates, single-year ages summed).
23,300
Overdraft users
An estimated 23,300 adults in Derry City and Strabane 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: 20% of adults in Northern Ireland were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 116,625 adults aged 18 and over in Derry City and Strabane (ONS mid-2024 population estimates, single-year ages summed).
36,200
Residential mortgage holders
An estimated 36,200 adults in Derry City and Strabane had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 31% of adults in Northern Ireland had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 116,625 adults aged 18 and over in Derry City and Strabane (ONS mid-2024 population estimates, single-year ages summed).
24,500
Buy now, pay later users
An estimated 24,500 adults in Derry City and Strabane 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: 21% of adults in Northern Ireland used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 116,625 adults aged 18 and over in Derry City and Strabane (ONS mid-2024 population estimates, single-year ages summed).
7,700
High-cost credit users
An estimated 7,700 adults in Derry City and Strabane held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 6.6% of adults in Northern Ireland held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 116,625 adults aged 18 and over in Derry City and Strabane (ONS mid-2024 population estimates, single-year ages summed).
31,500
Low financial resilience
An estimated 31,500 adults in Derry City and Strabane 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 Northern Ireland had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 116,625 adults aged 18 and over in Derry City and Strabane (ONS mid-2024 population estimates, single-year ages summed).
10,500
In financial difficulty
An estimated 10,500 adults in Derry City and Strabane 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 Northern Ireland were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 116,625 adults aged 18 and over in Derry City and Strabane (ONS mid-2024 population estimates, single-year ages summed).
121,503
Residents aged 16 and over
The estimated population aged 16 and over in Derry City and Strabane was 121,503 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.