Borrowing estimates for Kensington and Chelsea, built from published survey rates and population figures.
An estimated 107,000 adults in Kensington and Chelsea 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 125,813 adults aged 18 and over in Kensington and Chelsea (ONS mid-2024 population estimates, single-year ages summed).
An estimated 84,300 adults in Kensington and Chelsea 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 125,813 adults aged 18 and over in Kensington and Chelsea (ONS mid-2024 population estimates, single-year ages summed).
An estimated 26,400 adults in Kensington and Chelsea 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 125,813 adults aged 18 and over in Kensington and Chelsea (ONS mid-2024 population estimates, single-year ages summed).
An estimated 28,900 adults in Kensington and Chelsea 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 125,813 adults aged 18 and over in Kensington and Chelsea (ONS mid-2024 population estimates, single-year ages summed).
An estimated 22,600 adults in Kensington and Chelsea 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 125,813 adults aged 18 and over in Kensington and Chelsea (ONS mid-2024 population estimates, single-year ages summed).
An estimated 8,180 adults in Kensington and Chelsea 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 125,813 adults aged 18 and over in Kensington and Chelsea (ONS mid-2024 population estimates, single-year ages summed).
An estimated 34,000 adults in Kensington and Chelsea 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 125,813 adults aged 18 and over in Kensington and Chelsea (ONS mid-2024 population estimates, single-year ages summed).
An estimated 12,600 adults in Kensington and Chelsea 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 125,813 adults aged 18 and over in Kensington and Chelsea (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Kensington and Chelsea was 127,126 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 Kensington and Chelsea held at least one credit or loan product in 2024. An estimated 84,300 adults in Kensington and Chelsea held a credit card in 2024. An estimated 26,400 adults in Kensington and Chelsea were overdrawn on a current account in 2024.
An estimated 107,000 adults in Kensington and Chelsea held at least one credit or loan product in 2024.
An estimated 84,300 adults in Kensington and Chelsea held a credit card in 2024.
An estimated 26,400 adults in Kensington and Chelsea were overdrawn on a current account in 2024.