Borrowing estimates for Falkirk, built from published survey rates and population figures.
An estimated 107,000 adults in Falkirk 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 Scotland held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 129,452 adults aged 18 and over in Falkirk (ONS mid-2024 population estimates, single-year ages summed).
An estimated 81,600 adults in Falkirk held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 63% of adults in Scotland held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 129,452 adults aged 18 and over in Falkirk (ONS mid-2024 population estimates, single-year ages summed).
An estimated 27,200 adults in Falkirk 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 Scotland were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 129,452 adults aged 18 and over in Falkirk (ONS mid-2024 population estimates, single-year ages summed).
An estimated 33,700 adults in Falkirk 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 Scotland had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 129,452 adults aged 18 and over in Falkirk (ONS mid-2024 population estimates, single-year ages summed).
An estimated 25,900 adults in Falkirk 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: 20% of adults in Scotland used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 129,452 adults aged 18 and over in Falkirk (ONS mid-2024 population estimates, single-year ages summed).
An estimated 8,030 adults in Falkirk held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 6.2% of adults in Scotland held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 129,452 adults aged 18 and over in Falkirk (ONS mid-2024 population estimates, single-year ages summed).
An estimated 29,800 adults in Falkirk had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 23% of adults in Scotland had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 129,452 adults aged 18 and over in Falkirk (ONS mid-2024 population estimates, single-year ages summed).
An estimated 10,400 adults in Falkirk were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 8% of adults in Scotland were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 129,452 adults aged 18 and over in Falkirk (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Falkirk was 134,064 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 107,000 adults in Falkirk held at least one credit or loan product in 2024. An estimated 81,600 adults in Falkirk held a credit card in 2024. An estimated 27,200 adults in Falkirk were overdrawn on a current account in 2024.
An estimated 107,000 adults in Falkirk held at least one credit or loan product in 2024.
An estimated 81,600 adults in Falkirk held a credit card in 2024.
An estimated 27,200 adults in Falkirk were overdrawn on a current account in 2024.