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HCSTC City Index – UK Consumer Trends

Millions of people apply for High Cost Short Term Credit solutions each year. Use the map below to see the monthly consumer trends by City.
Click each City for more info. The data is aggregated from all the applications we receive as a business. Each month we collate the employer information and publish the top employers, top loan purpose, and month on month trends for each city/region.

  • Glasgow
  • Edinburgh
  • Belfast
  • Newcastle
  • Leeds
  • Bradford
  • Manchester
  • Liverpool
  • Sheffield
  • Nottingham
  • Stoke on Trent
  • Leicester
  • Norwich
  • Birmingham
  • Coventry
  • Cardiff
  • Bristol
  • Reading
  • London

Newcastle

March 2019

Number % Increase MOM
Applications 392 -6.89%-43.19%
Average Loan Request £308.00 -5.81%0.00%
Average Monthly Income £1438.20 4.90%5.29%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. ASDA
3. Home Improvement 3. NISSAN

Edinburgh

March 2019

Number % Increase MOM
Applications 237 -25.24%-43.71%
Average Loan Request £342.00 6.88%6.21%
Average Monthly Income £1413.39 -1.85%-1.02%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHSLOTHIAN
2. Pay Bills 2. EASTLOTHIANCOUNCIL
3. Vehicle Repair 3. POUNDLAND

Birmingham

March 2019

Number % Increase MOM
Applications 457 -19.12%-49.50%
Average Loan Request £347.00 -1.70%2.66%
Average Monthly Income £1447.11 1.77%1.98%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. SAINSBURYS
3. Other expense 3. BIRMINGHAMCITYCOUNCIL

Glasgow

March 2019

Number % Increase MOM
Applications 389 -12.78%-42.20%
Average Loan Request £340.00 5.26%4.94%
Average Monthly Income £1478.25 3.30%6.96%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. GLASGOWCITYCOUNCIL
3. Vehicle Repair 3. TESCO

Manchester

March 2019

Number % Increase MOM
Applications 419 -4.12%-46.49%
Average Loan Request £328.00 -3.81%0.92%
Average Monthly Income £1428.86 -3.00%0.20%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. TESCO
3. Other expense 3. ASDA

Cardiff

March 2019

Number % Increase MOM
Applications 279 -5.42%-41.51%
Average Loan Request £335.00 -5.37%4.04%
Average Monthly Income £1413.69 -4.74%4.80%
Loan Purpose Top Employers
1. Unexpected Expense 1. CARDIFFCOUNCIL
2. Pay Bills 2. TESCO
3. Special Occasion 3. SAINSBURYS

Leeds

March 2019

Number % Increase MOM
Applications 191 -14.73%-51.77%
Average Loan Request £344.00 6.83%4.56%
Average Monthly Income £1479.64 3.47%9.85%
Loan Purpose Top Employers
1. Unexpected Expense 1. ARCADIAGROUPLTD
2. Pay Bills 2. LEEDSCITYCOUNCIL
3. Home Improvement 3. TESCO

Bradford

March 2019

Number % Increase MOM
Applications 209 -1.88%-20.53%
Average Loan Request £324.00 -14.74%2.21%
Average Monthly Income £1350.72 -3.17%1.79%
Loan Purpose Top Employers
1. Unexpected Expense 1. MORRISONS
2. Pay Bills 2. SAINSBURYS
3. Vehicle Repair 3. BRADFORDCOUNCIL

Belfast

March 2019

Number % Increase MOM
Applications 387 -46.55%-5.61%
Average Loan Request £369.00 12.84%6.03%
Average Monthly Income £1434.90 -1.65%3.08%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. CONCENTRIX
3. Vehicle Repair 3. FIRSTSOURCE

London

March 2019

Number % Increase MOM
Applications 939 -10.32%-49.97%
Average Loan Request £402.00 4.69%8.65%
Average Monthly Income £1674.40 -3.83%-2.25%
Loan Purpose Top Employers
1. Unexpected Expense 1. SAINSBURYS
2. Pay Bills 2. TESCO
3. Other expense 3. NHS

Coventry

March 2019

Number % Increase MOM
Applications 186 -26.77%-48.33%
Average Loan Request £399.00 21.65%21.28%
Average Monthly Income £1493.80 -4.06%4.98%
Loan Purpose Top Employers
1. Pay Bills 1. TESCO
2. Unexpected Expense 2. NHS
3. Vehicle Repair 3. COVENTRYCITYCOUNCIL

Liverpool

March 2019

Number % Increase MOM
Applications 285 -21.05%-56.88%
Average Loan Request £334.00 4.70%5.36%
Average Monthly Income £1576.84 5.90%4.08%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Home Improvement 2. TESCO
3. Pay Bills 3. SUBWAY

Leicester

March 2019

Number % Increase MOM
Applications 243 -6.54%-40.00%
Average Loan Request £345.00 5.50%-4.96%
Average Monthly Income £1539.47 -4.02%8.26%
Loan Purpose Top Employers
1. Pay Bills 1. NHS
2. Unexpected Expense 2. SMBS
3. Special Occasion 3. TESCO

Bristol

March 2019

Number % Increase MOM
Applications 187 -15.38%-44.35%
Average Loan Request £300.00 -11.76%-5.06%
Average Monthly Income £1508.13 -2.64%-2.76%
Loan Purpose Top Employers
1. Pay Bills 1. TESCO
2. Unexpected Expense 2. NHS
3. Other expense 3. MCDONALDS

Norwich

March 2019

Number % Increase MOM
Applications 140 -10.83%-48.34%
Average Loan Request £326.00 0.31%-2.69%
Average Monthly Income £1463.08 -0.67%-1.94%
Loan Purpose Top Employers
1. Unexpected Expense 1. MCDONALDS
2. Vehicle Repair 2. BERNARDMATTHEWS
3. Pay Bills 3. TESCO

Nottingham

March 2019

Number % Increase MOM
Applications 302 -13.22%-44.69%
Average Loan Request £326.00 -10.19%-2.40%
Average Monthly Income £1407.30 -5.74%-0.96%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. ASDA
3. Special Occasion 3. BAXTERSTOREY

Reading

March 2019

Number % Increase MOM
Applications 143 -25.13%-48.19%
Average Loan Request £337.00 -6.65%8.36%
Average Monthly Income £1588.53 -8.23%-1.52%
Loan Purpose Top Employers
1. Unexpected Expense 1. WAITROSE
2. Pay Bills 2. MERCURE
3. Other expense 3. RAINBOWSCHILDCARE

Sheffield

March 2019

Number % Increase MOM
Applications 335 -17.08%-47.16%
Average Loan Request £338.00 0.60%0.30%
Average Monthly Income £1446.76 3.41%1.10%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. CAPITA
3. Vehicle Repair 3. ROTHERHAMCOUNCIL

Stokeontrent

March 2019

Number % Increase MOM
Applications 197 -1.50%-36.66%
Average Loan Request £352.00 2.03%8.31%
Average Monthly Income £1488.28 -5.39%2.92%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. IAE
3. Special Occasion 3. UHNM
Compare YOY

For more detailed UK statistics, please contact
media@moneygapgroup.com

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk     

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