Consumer credit estimates for the West Midlands, built from published national totals and population figures.
£7,370m
Credit card balances
An estimated £7,370 million of credit card lending to individuals was outstanding in the West Midlands at the end of September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £83,708 million of credit card lending to individuals was outstanding in the United Kingdom at the end of September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£15.6bn
Other consumer credit balances
An estimated £15.6 billion of consumer credit lending to individuals other than through credit cards, excluding student loans, was outstanding in the West Midlands at the end of September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £177,492 million of consumer credit lending to individuals other than through credit cards, excluding student loans, was outstanding in the United Kingdom at the end of September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£2,440m
Credit card gross lending
An estimated £2,440 million of gross credit card lending to individuals was made in the West Midlands in September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £27,679 million of gross credit card lending to individuals was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£847m
Other credit gross lending
An estimated £847 million of gross consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the West Midlands in September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £9,620 million of gross consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£58.8m
Credit card net lending
An estimated £58.8 million of net credit card lending to individuals was made in the West Midlands in September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £668 million of net credit card lending to individuals was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£110m
Other credit net lending
An estimated £110 million of net consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the West Midlands in September 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026
Estimate: £1,245 million of net consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£33.1m
Credit card write-offs
An estimated £33.1 million of credit card lending to individuals was written off in the West Midlands in the second quarter of 2026.
Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, Q2 2026
Estimate: £376 million of credit card lending to individuals was written off in the United Kingdom in the second quarter of 2026 (Bank of England, not seasonally adjusted) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
5,033,435
Residents aged 16 and over
The estimated population aged 16 and over in the West Midlands was 5,033,435 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.
Frequently asked questions
How much credit card lending to individuals was outstanding in the West Midlands at the end of September 2026?
An estimated £7,370 million of credit card lending to individuals was outstanding in the West Midlands at the end of September 2026.
How much consumer credit lending to individuals other than through credit cards was outstanding in the West Midlands at the end of September 2026?
An estimated £15.6 billion of consumer credit lending to individuals other than through credit cards, excluding student loans, was outstanding in the West Midlands at the end of September 2026.
How much gross credit card lending to individuals was made in the West Midlands in September 2026?
An estimated £2,440 million of gross credit card lending to individuals was made in the West Midlands in September 2026.