Borrowing figures for North Ayrshire, from Borrowing Data and the Office for National Statistics.
In 2024, 77 per cent of adults in North Ayrshire 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.
In 2024, 61 per cent of adults in North Ayrshire held a credit card (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.
In 2024, 19 per cent of adults in North Ayrshire 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.
In 2024, 27,600 adults in North Ayrshire 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.
In 2024, 18 per cent of adults in North Ayrshire 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.
In 2024, 6,380 adults in North Ayrshire 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.
In 2024, 22,300 adults in North Ayrshire 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.
In 2024, 8,320 adults in North Ayrshire 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.
The estimated population aged 16 and over in North Ayrshire was 113,131 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.
In 2024, 77 per cent of adults in North Ayrshire held at least one credit or loan product (now or in the previous 12 months). In 2024, 61 per cent of adults in North Ayrshire held a credit card (now or in the previous 12 months). In 2024, 19 per cent of adults in North Ayrshire were overdrawn on a current account (now or in the previous 12 months).
In 2024, 77 per cent of adults in North Ayrshire held at least one credit or loan product (now or in the previous 12 months).
In 2024, 61 per cent of adults in North Ayrshire held a credit card (now or in the previous 12 months).
In 2024, 19 per cent of adults in North Ayrshire were overdrawn on a current account (now or in the previous 12 months).