Borrowing Data

Borrowing statistics in Norwich 2026

Last updated November 2026 · Data to mid-2025 · Norwich

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

106,000

Credit or loan holders

In 2024, 106,000 adults in Norwich held at least one credit or loan product.

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.

74%

Credit card holders

In 2024, 74 per cent of adults in Norwich 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.

24%

Overdraft users

In 2024, 24 per cent of adults in Norwich 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.

33%

Residential mortgage holders

In 2024, 33 per cent of adults in Norwich 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.

20%

Buy now, pay later users

In 2024, 20 per cent of adults in Norwich 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.

6.3%

High-cost credit users

In 2024, 6.3 per cent of adults in Norwich held high-cost credit (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. Covers home-collected, logbook, pawnbroking, payday, rent-to-own, short-term instalment and guarantor loans.

29,000

Low financial resilience

In 2024, 29,000 adults in Norwich 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.

7,950

In financial difficulty

In 2024, 7,950 adults in Norwich 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.

123,466

Residents aged 16 and over

The estimated population aged 16 and over in Norwich was 123,466 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, 106,000 adults in Norwich held at least one credit or loan product. In 2024, 74 per cent of adults in Norwich held a credit card (now or in the previous 12 months). In 2024, 24 per cent of adults in Norwich were overdrawn on a current account (now or in the previous 12 months).

Frequently asked questions

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

In 2024, 106,000 adults in Norwich held at least one credit or loan product.

What share of adults in Norwich held a credit card in 2024?

In 2024, 74 per cent of adults in Norwich held a credit card (now or in the previous 12 months).

What share of adults in Norwich were overdrawn on a current account in 2024?

In 2024, 24 per cent of adults in Norwich were overdrawn on a current account (now or in the previous 12 months).