Consumer credit figures for Scotland, from Borrowing Data and the Office for National Statistics.
The amount outstanding of credit card lending to individuals was £6,700 million in Scotland at the end of September 2026.
Source: Regional lending figures, Borrowing Data, September 2026
Sterling credit card lending to individuals by UK monetary financial institutions; amount outstanding at the end of the month, seasonally adjusted.
The amount outstanding of consumer credit lending to individuals other than through credit cards, excluding student loans, was £14.2 billion in Scotland at the end of September 2026.
Source: Regional lending figures, Borrowing Data, September 2026
Sterling consumer credit lending to individuals other than through credit cards, excluding student loans; amount outstanding at the end of the month, seasonally adjusted.
Gross credit card lending to individuals was £2,220 million in Scotland in September 2026.
Source: Regional lending figures, Borrowing Data, September 2026
Sterling credit card lending to individuals by UK monetary financial institutions; gross lending in the month, seasonally adjusted.
Gross consumer credit lending to individuals other than through credit cards, excluding student loans, was £759 million in Scotland in September 2026.
Source: Regional lending figures, Borrowing Data, September 2026
Sterling consumer credit lending to individuals other than through credit cards, excluding student loans; gross lending in the month, seasonally adjusted.
Net credit card lending to individuals was £54.2 million in Scotland in September 2026.
Source: Regional lending figures, Borrowing Data, September 2026
Sterling credit card lending to individuals by UK monetary financial institutions; net lending in the month, seasonally adjusted.
Net consumer credit lending to individuals other than through credit cards, excluding student loans, was £99.5 million in Scotland in September 2026.
Source: Regional lending figures, Borrowing Data, September 2026
Sterling consumer credit lending to individuals other than through credit cards, excluding student loans; net lending in the month, seasonally adjusted.
UK resident monetary financial institutions wrote off £30.2 million of sterling credit card lending to individuals in Scotland in the second quarter of 2026.
Source: Regional lending figures, Borrowing Data, Q2 2026
Sterling credit card write-offs by UK resident monetary financial institutions; quarterly figure, not seasonally adjusted.
The estimated population aged 16 and over in Scotland was 4,667,501 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-year population estimates as returned by the Nomis 'Aged 16+' category, rebased to Census 2021 and 2022 where applicable. Usual residents.
The amount outstanding of credit card lending to individuals was £6,700 million in Scotland at the end of September 2026. The amount outstanding of consumer credit lending to individuals other than through credit cards, excluding student loans, was £14.2 billion in Scotland at the end of September 2026. Gross credit card lending to individuals was £2,220 million in Scotland in September 2026.
The amount outstanding of credit card lending to individuals was £6,700 million in Scotland at the end of September 2026.
The amount outstanding of consumer credit lending to individuals other than through credit cards, excluding student loans, was £14.2 billion in Scotland at the end of September 2026.
Gross credit card lending to individuals was £2,220 million in Scotland in September 2026.