Borrowing Data

Borrowing statistics in North Warwickshire 2026

Last updated November 2026 · Data to mid-2025 · North Warwickshire

Borrowing estimates for North Warwickshire, built from published survey rates and population figures.

43,200

Credit or loan holders

An estimated 43,200 adults in North Warwickshire 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: 80% of adults in the West Midlands held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 53,961 adults aged 18 and over in North Warwickshire (ONS mid-2024 population estimates, single-year ages summed).

30,800

Credit card holders

An estimated 30,800 adults in North Warwickshire held a credit card in 2024.

Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024

Estimate: 57% of adults in the West Midlands held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 53,961 adults aged 18 and over in North Warwickshire (ONS mid-2024 population estimates, single-year ages summed).

11,300

Overdraft users

An estimated 11,300 adults in North Warwickshire 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 the West Midlands were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 53,961 adults aged 18 and over in North Warwickshire (ONS mid-2024 population estimates, single-year ages summed).

14,600

Residential mortgage holders

An estimated 14,600 adults in North Warwickshire had a residential mortgage in 2024.

Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024

Estimate: 27% of adults in the West Midlands had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 53,961 adults aged 18 and over in North Warwickshire (ONS mid-2024 population estimates, single-year ages summed).

11,900

Buy now, pay later users

An estimated 11,900 adults in North Warwickshire 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: 22% of adults in the West Midlands used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 53,961 adults aged 18 and over in North Warwickshire (ONS mid-2024 population estimates, single-year ages summed).

4,590

High-cost credit users

An estimated 4,590 adults in North Warwickshire held high-cost credit in 2024.

Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024

Estimate: 8.5% of adults in the West Midlands held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 53,961 adults aged 18 and over in North Warwickshire (ONS mid-2024 population estimates, single-year ages summed).

13,500

Low financial resilience

An estimated 13,500 adults in North Warwickshire had low financial resilience in 2024.

Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024

Estimate: 25% of adults in the West Midlands had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 53,961 adults aged 18 and over in North Warwickshire (ONS mid-2024 population estimates, single-year ages summed).

4,860

In financial difficulty

An estimated 4,860 adults in North Warwickshire were in financial difficulty in 2024.

Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024

Estimate: 9% of adults in the West Midlands were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 53,961 adults aged 18 and over in North Warwickshire (ONS mid-2024 population estimates, single-year ages summed).

55,930

Residents aged 16 and over

The estimated population aged 16 and over in North Warwickshire was 55,930 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

An estimated 43,200 adults in North Warwickshire held at least one credit or loan product in 2024. An estimated 30,800 adults in North Warwickshire held a credit card in 2024. An estimated 11,300 adults in North Warwickshire were overdrawn on a current account in 2024.

Frequently asked questions

How many adults in North Warwickshire held at least one credit or loan product in 2024?

An estimated 43,200 adults in North Warwickshire held at least one credit or loan product in 2024.

How many adults in North Warwickshire held a credit card in 2024?

An estimated 30,800 adults in North Warwickshire held a credit card in 2024.

How many adults in North Warwickshire were overdrawn on a current account in 2024?

An estimated 11,300 adults in North Warwickshire were overdrawn on a current account in 2024.