Consumer credit estimates for England, built from published national totals and population figures.
£70.7bn
Credit card balances
An estimated £70.7 billion of credit card lending to individuals was outstanding in England at the end of September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £83,708 million of credit card lending to individuals was outstanding in the United Kingdom at the end of September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in England: 48,295,062 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£150bn
Other consumer credit balances
An estimated £150 billion of consumer credit lending to individuals other than through credit cards, excluding student loans, was outstanding in England at the end of September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £177,492 million of consumer credit lending to individuals other than through credit cards, excluding student loans, was outstanding in the United Kingdom at the end of September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in England: 48,295,062 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£23.4bn
Credit card gross lending
An estimated £23.4 billion of gross credit card lending to individuals was made in England in September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £27,679 million of gross credit card lending to individuals was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in England: 48,295,062 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£8,130m
Other credit gross lending
An estimated £8,130 million of gross consumer credit lending to individuals other than through credit cards, excluding student loans, was made in England in September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £9,620 million of gross consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in England: 48,295,062 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£564m
Credit card net lending
An estimated £564 million of net credit card lending to individuals was made in England in September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £668 million of net credit card lending to individuals was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in England: 48,295,062 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£1,050m
Other credit net lending
An estimated £1,050 million of net consumer credit lending to individuals other than through credit cards, excluding student loans, was made in England in September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £1,245 million of net consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in England: 48,295,062 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£318m
Credit card write-offs
An estimated £318 million of credit card lending to individuals was written off in England in the second quarter of 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, Q2 2026
Estimate: £376 million of credit card lending to individuals was written off in the United Kingdom in the second quarter of 2026 (Bank of England, not seasonally adjusted) apportioned by the share of residents aged 16 and over living in England: 48,295,062 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
48,295,062
Residents aged 16 and over
The estimated population aged 16 and over in England was 48,295,062 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-year population estimates as returned by the Nomis 'Aged 16+' category, rebased to Census 2021 and 2022 where applicable. Usual residents.