Borrowing estimates for Oldham, built from published survey rates and population figures.
An estimated 156,000 adults in Oldham 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: 83% of adults in the North West held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 187,415 adults aged 18 and over in Oldham (ONS mid-2024 population estimates, single-year ages summed).
An estimated 118,000 adults in Oldham held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 63% of adults in the North West held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 187,415 adults aged 18 and over in Oldham (ONS mid-2024 population estimates, single-year ages summed).
An estimated 45,000 adults in Oldham 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: 24% of adults in the North West were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 187,415 adults aged 18 and over in Oldham (ONS mid-2024 population estimates, single-year ages summed).
An estimated 48,700 adults in Oldham had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 26% of adults in the North West had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 187,415 adults aged 18 and over in Oldham (ONS mid-2024 population estimates, single-year ages summed).
An estimated 43,100 adults in Oldham 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: 23% of adults in the North West used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 187,415 adults aged 18 and over in Oldham (ONS mid-2024 population estimates, single-year ages summed).
An estimated 14,600 adults in Oldham held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 7.8% of adults in the North West held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 187,415 adults aged 18 and over in Oldham (ONS mid-2024 population estimates, single-year ages summed).
An estimated 52,500 adults in Oldham had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 28% of adults in the North West had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 187,415 adults aged 18 and over in Oldham (ONS mid-2024 population estimates, single-year ages summed).
An estimated 18,700 adults in Oldham 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 the North West were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 187,415 adults aged 18 and over in Oldham (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Oldham was 196,030 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 156,000 adults in Oldham held at least one credit or loan product in 2024. An estimated 118,000 adults in Oldham held a credit card in 2024. An estimated 45,000 adults in Oldham were overdrawn on a current account in 2024.
An estimated 156,000 adults in Oldham held at least one credit or loan product in 2024.
An estimated 118,000 adults in Oldham held a credit card in 2024.
An estimated 45,000 adults in Oldham were overdrawn on a current account in 2024.