Borrowing estimates for South Cambridgeshire, built from published survey rates and population figures.
116,000
Credit or loan holders
An estimated 116,000 adults in South Cambridgeshire 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: 86% of adults in the East of England held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 134,398 adults aged 18 and over in South Cambridgeshire (ONS mid-2024 population estimates, single-year ages summed).
92,700
Credit card holders
An estimated 92,700 adults in South Cambridgeshire held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 69% of adults in the East of England held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 134,398 adults aged 18 and over in South Cambridgeshire (ONS mid-2024 population estimates, single-year ages summed).
28,200
Overdraft users
An estimated 28,200 adults in South Cambridgeshire 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 East of England were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 134,398 adults aged 18 and over in South Cambridgeshire (ONS mid-2024 population estimates, single-year ages summed).
41,700
Residential mortgage holders
An estimated 41,700 adults in South Cambridgeshire had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 31% of adults in the East of England had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 134,398 adults aged 18 and over in South Cambridgeshire (ONS mid-2024 population estimates, single-year ages summed).
25,500
Buy now, pay later users
An estimated 25,500 adults in South Cambridgeshire 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: 19% of adults in the East of England used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 134,398 adults aged 18 and over in South Cambridgeshire (ONS mid-2024 population estimates, single-year ages summed).
7,800
High-cost credit users
An estimated 7,800 adults in South Cambridgeshire held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 5.8% of adults in the East of England held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 134,398 adults aged 18 and over in South Cambridgeshire (ONS mid-2024 population estimates, single-year ages summed).
26,900
Low financial resilience
An estimated 26,900 adults in South Cambridgeshire had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 20% of adults in the East of England had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 134,398 adults aged 18 and over in South Cambridgeshire (ONS mid-2024 population estimates, single-year ages summed).
8,060
In financial difficulty
An estimated 8,060 adults in South Cambridgeshire were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 6% of adults in the East of England were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 134,398 adults aged 18 and over in South Cambridgeshire (ONS mid-2024 population estimates, single-year ages summed).
140,859
Residents aged 16 and over
The estimated population aged 16 and over in South Cambridgeshire was 140,859 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.