Borrowing estimates for Swindon, built from published survey rates and population figures.
An estimated 163,000 adults in Swindon 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 South West held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 189,952 adults aged 18 and over in Swindon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 133,000 adults in Swindon held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 70% of adults in the South West held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 189,952 adults aged 18 and over in Swindon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 38,000 adults in Swindon 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: 20% of adults in the South West were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 189,952 adults aged 18 and over in Swindon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 57,000 adults in Swindon had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 30% of adults in the South West had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 189,952 adults aged 18 and over in Swindon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 30,400 adults in Swindon 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: 16% of adults in the South West used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 189,952 adults aged 18 and over in Swindon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 9,880 adults in Swindon held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 5.2% of adults in the South West held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 189,952 adults aged 18 and over in Swindon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 39,900 adults in Swindon had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 21% of adults in the South West had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 189,952 adults aged 18 and over in Swindon (ONS mid-2024 population estimates, single-year ages summed).
An estimated 9,500 adults in Swindon were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 5% of adults in the South West were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 189,952 adults aged 18 and over in Swindon (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Swindon was 198,026 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 163,000 adults in Swindon held at least one credit or loan product in 2024. An estimated 133,000 adults in Swindon held a credit card in 2024. An estimated 38,000 adults in Swindon were overdrawn on a current account in 2024.
An estimated 163,000 adults in Swindon held at least one credit or loan product in 2024.
An estimated 133,000 adults in Swindon held a credit card in 2024.
An estimated 38,000 adults in Swindon were overdrawn on a current account in 2024.