Borrowing estimates for Stoke-on-Trent, built from published survey rates and population figures.
An estimated 167,000 adults in Stoke-on-Trent 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 208,532 adults aged 18 and over in Stoke-on-Trent (ONS mid-2024 population estimates, single-year ages summed).
An estimated 119,000 adults in Stoke-on-Trent 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 208,532 adults aged 18 and over in Stoke-on-Trent (ONS mid-2024 population estimates, single-year ages summed).
An estimated 43,800 adults in Stoke-on-Trent 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 208,532 adults aged 18 and over in Stoke-on-Trent (ONS mid-2024 population estimates, single-year ages summed).
An estimated 56,300 adults in Stoke-on-Trent 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 208,532 adults aged 18 and over in Stoke-on-Trent (ONS mid-2024 population estimates, single-year ages summed).
An estimated 45,900 adults in Stoke-on-Trent 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 208,532 adults aged 18 and over in Stoke-on-Trent (ONS mid-2024 population estimates, single-year ages summed).
An estimated 17,700 adults in Stoke-on-Trent 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 208,532 adults aged 18 and over in Stoke-on-Trent (ONS mid-2024 population estimates, single-year ages summed).
An estimated 52,100 adults in Stoke-on-Trent 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 208,532 adults aged 18 and over in Stoke-on-Trent (ONS mid-2024 population estimates, single-year ages summed).
An estimated 18,800 adults in Stoke-on-Trent 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 208,532 adults aged 18 and over in Stoke-on-Trent (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Stoke-on-Trent was 217,559 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 167,000 adults in Stoke-on-Trent held at least one credit or loan product in 2024. An estimated 119,000 adults in Stoke-on-Trent held a credit card in 2024. An estimated 43,800 adults in Stoke-on-Trent were overdrawn on a current account in 2024.
An estimated 167,000 adults in Stoke-on-Trent held at least one credit or loan product in 2024.
An estimated 119,000 adults in Stoke-on-Trent held a credit card in 2024.
An estimated 43,800 adults in Stoke-on-Trent were overdrawn on a current account in 2024.