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HCSTC 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.

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

Newcastle

October 2018

Number % Increase MOM
Applications 555 -1.77%-23.76%
Average Loan Request £328.00 4.13%-5.20%
Average Monthly Income £1455.18 -0.60%7.08%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. ASDA
3. Home Improvement 3. NISSAN

Edinburgh

October 2018

Number % Increase MOM
Applications 365 11.96%-17.98%
Average Loan Request £350.00 -0.28%5.42%
Average Monthly Income £1465.76 -1.63%9.79%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. NHSLOTHIAN
3. Home Improvement 3. WESTLOTHIANCOUNCIL

Birmingham

October 2018

Number % Increase MOM
Applications 804 18.41%-12.89%
Average Loan Request £332.00 1.22%-1.48%
Average Monthly Income £1483.60 2.18%3.97%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. DHL
3. Other expense 3. JAGUARLANDROVER

Glasgow

October 2018

Number % Increase MOM
Applications 624 20.46%-8.91%
Average Loan Request £322.00 -3.88%1.58%
Average Monthly Income £1454.34 -2.20%7.49%
Loan Purpose Top Employers
1. Unexpected Expense 1. GLASGOWCITYCOUNCIL
2. Pay Bills 2. NHS
3. Special Occasion 3. ASDA

Manchester

October 2018

Number % Increase MOM
Applications 637 8.89%-27.61%
Average Loan Request £342.00 4.27%8.23%
Average Monthly Income £1479.92 -0.07%7.55%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. NHS
3. Special Occasion 3. MCDONALDS

Cardiff

October 2018

Number % Increase MOM
Applications 403 20.30%-21.60%
Average Loan Request £303.00 -7.34%-6.48%
Average Monthly Income £1429.59 -3.14%0.89%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. TESCO
3. Special Occasion 3. ASDA

Leeds

October 2018

Number % Increase MOM
Applications 314 20.77%-24.70%
Average Loan Request £308.00 -8.06%-0.96%
Average Monthly Income £1391.15 -3.86%1.10%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. LEEDSCITYCOUNCIL
3. Special Occasion 3. MCDONALDS

Bradford

October 2018

Number % Increase MOM
Applications 261 4.40%-13.86%
Average Loan Request £307.00 -1.92%-0.32%
Average Monthly Income £1429.17 1.36%3.04%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. POUNDLAND
3. Other expense 3. CAPITA

Belfast

October 2018

Number % Increase MOM
Applications 526 -34.25%15.35%
Average Loan Request £348.00 2.65%-1.14%
Average Monthly Income £1421.88 -1.33%6.91%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Special Occasion 2. TELEPERFORMANCE
3. Pay Bills 3. EDUCATIONAUTHORITY

London

October 2018

Number % Increase MOM
Applications 1595 3.10%-16.32%
Average Loan Request £390.00 4.84%2.63%
Average Monthly Income £1736.65 1.44%7.67%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. TESCO
3. Special Occasion 3. SAINSBURYS

Coventry

October 2018

Number % Increase MOM
Applications 316 -6.23%-23.30%
Average Loan Request £368.00 -1.08%-0.81%
Average Monthly Income £1428.14 -8.45%3.11%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. DHL
3. Special Occasion 3. COVENTRYCITYCOUNCIL

Liverpool

October 2018

Number % Increase MOM
Applications 539 16.92%-15.65%
Average Loan Request £294.00 -16.71%-7.55%
Average Monthly Income £1483.80 3.62%3.18%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. ASDA
3. Special Occasion 3. BARCLAYS

Leicester

October 2018

Number % Increase MOM
Applications 341 1.49%-19.19%
Average Loan Request £357.00 2.59%12.97%
Average Monthly Income £1437.28 -7.51%3.25%
Loan Purpose Top Employers
1. Pay Bills 1. NHS
2. Unexpected Expense 2. TESCO
3. Vehicle Repair 3. WALKERS

Bristol

October 2018

Number % Increase MOM
Applications 319 25.59%-23.32%
Average Loan Request £351.00 0.29%11.08%
Average Monthly Income £1531.40 -1.77%4.75%
Loan Purpose Top Employers
1. Unexpected Expense 1. BRISTOLWASTE
2. Vehicle Repair 2. ICELAND
3. Pay Bills 3. LIDL

Norwich

October 2018

Number % Increase MOM
Applications 214 21.59%-35.74%
Average Loan Request £387.00 13.16%19.81%
Average Monthly Income £1556.23 3.27%15.19%
Loan Purpose Top Employers
1. Pay Bills 1. AVIVA
2. Vehicle Repair 2. BERNARDMATTHEWS
3. Unexpected Expense 3. NORSECARE

Nottingham

October 2018

Number % Increase MOM
Applications 447 12.31%-25.25%
Average Loan Request £324.00 -1.22%-3.86%
Average Monthly Income £1449.81 -5.06%3.41%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. NOTTINGHAMCITYCOUNCIL
3. Vehicle Repair 3. NHS

Reading

October 2018

Number % Increase MOM
Applications 321 43.95%0.63%
Average Loan Request £337.00 10.13%7.32%
Average Monthly Income £1618.61 1.23%8.70%
Loan Purpose Top Employers
1. Unexpected Expense 1. WAITROSE
2. Pay Bills 2. TESCO
3. Vehicle Repair 3. TSBBANK

Sheffield

October 2018

Number % Increase MOM
Applications 545 15.96%-24.93%
Average Loan Request £339.00 7.62%3.67%
Average Monthly Income £1458.28 1.69%10.06%
Loan Purpose Top Employers
1. Pay Bills 1. CAPITA
2. Unexpected Expense 2. NHS
3. Vehicle Repair 3. WEBHELP

Stokeontrent

October 2018

Number % Increase MOM
Applications 311 24.90%-17.72%
Average Loan Request £333.00 -4.86%-0.30%
Average Monthly Income £1418.05 -0.56%1.80%
Loan Purpose Top Employers
1. Unexpected Expense 1. WINCANTON
2. Pay Bills 2. NEWLOOK
3. Vehicle Repair 3. DUNELM
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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