Borrowing Data

Borrowing statistics in Hammersmith and Fulham 2026

Last updated November 2026 · Data to mid-2025 · Hammersmith and Fulham

Borrowing figures for Hammersmith and Fulham, from Borrowing Data and the Office for National Statistics.

92%

Credit or loan holders

In 2024, 92 per cent of adults in Hammersmith and Fulham held at least one credit or loan product (now or in the previous 12 months).

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; held now or in the previous 12 months. Includes regulated and unregulated credit.

103,000

Credit card holders

In 2024, 103,000 adults in Hammersmith and Fulham held a credit card.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; held now or in the previous 12 months.

22%

Overdraft users

In 2024, 22 per cent of adults in Hammersmith and Fulham were overdrawn on a current account (now or in the previous 12 months).

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; overdrawn on a current account now or in the previous 12 months.

38,700

Residential mortgage holders

In 2024, 38,700 adults in Hammersmith and Fulham had a residential mortgage on the property they lived in.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; residential mortgage on the property they live in.

19%

Buy now, pay later users

In 2024, 19 per cent of adults in Hammersmith and Fulham used deferred payment credit (unregulated buy now, pay later) in the previous 12 months.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; unregulated buy now, pay later, called deferred payment credit in the survey, used in the previous 12 months.

11,000

High-cost credit users

In 2024, 11,000 adults in Hammersmith and Fulham held high-cost credit.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; held now or in the previous 12 months. Covers home-collected, logbook, pawnbroking, payday, rent-to-own, short-term instalment and guarantor loans.

50,600

Low financial resilience

In 2024, 50,600 adults in Hammersmith and Fulham had low financial resilience.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; in financial difficulty, heavily burdened by bills or credit commitments, or with low savings.

10%

In financial difficulty

In 2024, 10 per cent of adults in Hammersmith and Fulham were in financial difficulty, having missed domestic bills or credit commitments in three or more of the previous six months.

Source: Local borrowing figures, Borrowing Data, 2024

Adults aged 18 and over; missed domestic bills or credit commitments in three or more of the previous six months.

163,138

Residents aged 16 and over

The estimated population aged 16 and over in Hammersmith and Fulham was 163,138 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.

Key points

In 2024, 92 per cent of adults in Hammersmith and Fulham held at least one credit or loan product (now or in the previous 12 months). In 2024, 103,000 adults in Hammersmith and Fulham held a credit card. In 2024, 22 per cent of adults in Hammersmith and Fulham were overdrawn on a current account (now or in the previous 12 months).

Frequently asked questions

What share of adults in Hammersmith and Fulham held at least one credit or loan product in 2024?

In 2024, 92 per cent of adults in Hammersmith and Fulham held at least one credit or loan product (now or in the previous 12 months).

How many adults in Hammersmith and Fulham held a credit card in 2024?

In 2024, 103,000 adults in Hammersmith and Fulham held a credit card.

What share of adults in Hammersmith and Fulham were overdrawn on a current account in 2024?

In 2024, 22 per cent of adults in Hammersmith and Fulham were overdrawn on a current account (now or in the previous 12 months).