Borrowing estimates for Test Valley, built from published survey rates and population figures.
An estimated 95,900 adults in Test Valley 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: 89% of adults in the South East held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 107,750 adults aged 18 and over in Test Valley (ONS mid-2024 population estimates, single-year ages summed).
An estimated 78,700 adults in Test Valley held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 73% of adults in the South East held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 107,750 adults aged 18 and over in Test Valley (ONS mid-2024 population estimates, single-year ages summed).
An estimated 22,600 adults in Test Valley 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 South East were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 107,750 adults aged 18 and over in Test Valley (ONS mid-2024 population estimates, single-year ages summed).
An estimated 31,200 adults in Test Valley had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 29% of adults in the South East had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 107,750 adults aged 18 and over in Test Valley (ONS mid-2024 population estimates, single-year ages summed).
An estimated 19,400 adults in Test Valley 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: 18% of adults in the South East used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 107,750 adults aged 18 and over in Test Valley (ONS mid-2024 population estimates, single-year ages summed).
An estimated 6,030 adults in Test Valley held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 5.6% of adults in the South East held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 107,750 adults aged 18 and over in Test Valley (ONS mid-2024 population estimates, single-year ages summed).
An estimated 22,600 adults in Test Valley 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 East had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 107,750 adults aged 18 and over in Test Valley (ONS mid-2024 population estimates, single-year ages summed).
An estimated 6,470 adults in Test Valley 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 South East were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 107,750 adults aged 18 and over in Test Valley (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Test Valley was 111,523 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 95,900 adults in Test Valley held at least one credit or loan product in 2024. An estimated 78,700 adults in Test Valley held a credit card in 2024. An estimated 22,600 adults in Test Valley were overdrawn on a current account in 2024.
An estimated 95,900 adults in Test Valley held at least one credit or loan product in 2024.
An estimated 78,700 adults in Test Valley held a credit card in 2024.
An estimated 22,600 adults in Test Valley were overdrawn on a current account in 2024.