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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. For a regional analysis go to Consumer credit analysis by region.

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

Newcastle

December 2019

Number % Increase MOM
Applications 11 10.00%-97.39%
Average Loan Request £400.00 -4.76%10.80%
Average Monthly Income £1272.45 -20.87%-14.02%
Loan Purpose Top Employers
1. Unexpected Expense 1. BAKERHUGHES
2. Home Improvement 2. BELLWAY
3. Other expense 3. CYCLONENEWCASTLE

Edinburgh

December 2019

Number % Increase MOM
Applications 3 -25.00%-98.92%
Average Loan Request £516.00 65.38%40.60%
Average Monthly Income £1371.67 -26.81%-3.34%
Loan Purpose Top Employers
1. Other expense 1. AIRSORTED
2. Rent/Mortgage 2. DUNELM
3. Unexpected Expense 3. MITIESECURITY

Birmingham

December 2019

Number % Increase MOM
Applications 14 -17.65%-97.61%
Average Loan Request £312.00 -34.04%-22.77%
Average Monthly Income £1529.00 4.44%1.39%
Loan Purpose Top Employers
1. Other expense 1. SANDWELL
2. Pay Bills 2. STAFFSCC
3. Unexpected Expense 3. STAPLES

Glasgow

December 2019

Number % Increase MOM
Applications 11 10.00%-97.48%
Average Loan Request £804.00 228.16%112.14%
Average Monthly Income £1401.82 16.82%-3.79%
Loan Purpose Top Employers
1. Other expense 1. 1CALLUTILITIES
2. Home Improvement 2. BLOOMLEISURE
3. Pay Bills 3. BLUEARROW

Manchester

December 2019

Number % Increase MOM
Applications 9 -10.00%-98.20%
Average Loan Request £444.00 34.55%27.95%
Average Monthly Income £1493.56 -15.04%4.81%
Loan Purpose Top Employers
1. Home Improvement 1. BERRY
2. Unexpected Expense 2. HORIZONCARE
3. Pay Bills 3. NATWEST

Cardiff

December 2019

Number % Increase MOM
Applications 4 -42.86%-98.85%
Average Loan Request £312.00 -37.22%-7.69%
Average Monthly Income £1481.25 -12.14%1.39%
Loan Purpose Top Employers
1. Other expense 1. AXIS
2. Pay Bills 2. INNOVATETRUST
3. Special Occasion 3. MANDCO

Leeds

December 2019

Number % Increase MOM
Applications 4 0.00%-98.22%
Average Loan Request £425.00 -41.38%20.06%
Average Monthly Income £1120.00 -4.36%-19.89%
Loan Purpose Top Employers
1. Unexpected Expense 1. KIDSACADEMY
2. Home Improvement 2. LLOYDS
3. Pay Bills 3. STONEGABLES

Bradford

December 2019

Number % Increase MOM
Applications 4 0.00%-98.16%
Average Loan Request £475.00 35.71%31.58%
Average Monthly Income £1424.25 -15.92%0.65%
Loan Purpose Top Employers
1. Pay Bills 1. BEANLANDSNURSINGHOME
2. Special Occasion 2. HUNTERPRODUCTSLIMITED
3. Unexpected Expense 3. SANTANDER

Belfast

December 2019

Number % Increase MOM
Applications 6 -98.50%-40.00%
Average Loan Request £483.00 2.77%19.85%
Average Monthly Income £1558.33 13.66%6.95%
Loan Purpose Top Employers
1. Unexpected Expense 1. JMCMECHANICAL&CONSTRUCTION
2. Special Occasion 2. MOUNTCHARLES
3. Temporary Reduction in Income 3. MURDOCKBUILDERSMERCHANTS

London

December 2019

Number % Increase MOM
Applications 22 -18.52%-98.15%
Average Loan Request £504.00 88.76%26.63%
Average Monthly Income £1653.50 -13.97%-6.26%
Loan Purpose Top Employers
1. Pay Bills 1. ASPECTPROPERTYMANAGMENTLTD
2. Unexpected Expense 2. BLUEBIRDCAREEPSOM
3. Other expense 3. CFCUNDERWRITING

Coventry

December 2019

Number % Increase MOM
Applications 5 150.00%-97.97%
Average Loan Request £350.00 -22.22%-5.91%
Average Monthly Income £1700.00 54.55%16.68%
Loan Purpose Top Employers
1. Vehicle Repair 1. CADENTGASLTD
2. Home Improvement 2. COOMBEABBEYHOTEL
3. Other expense 3. EXTRAPERSONNEL

Liverpool

December 2019

Number % Increase MOM
Applications 9 28.57%-97.52%
Average Loan Request £566.00 126.40%52.56%
Average Monthly Income £1348.89 -22.61%-12.92%
Loan Purpose Top Employers
1. Special Occasion 1. AVANTIENVIRONMENTAL
2. Pay Bills 2. CROWNEPLAZA
3. Vehicle Repair 3. JOHNLEWIS

Leicester

December 2019

Number % Increase MOM
Applications 4 33.33%-98.57%
Average Loan Request £700.00 321.69%74.13%
Average Monthly Income £1443.75 25.54%-3.23%
Loan Purpose Top Employers
1. Home Improvement 1. DAYS
2. Pay Bills 2. DPD
3. Unexpected Expense 3. RJBUILDING

Bristol

December 2019

Number % Increase MOM
Applications 8 33.33%-96.36%
Average Loan Request £281.00 -43.80%-18.79%
Average Monthly Income £1826.25 33.99%19.36%
Loan Purpose Top Employers
1. Vehicle Repair 1. AGENCYTHEBRAIN
2. Home Improvement 2. AMBEATONLTD
3. Other expense 3. COMPUTERSHARE

Norwich

December 2019

Number % Increase MOM
Applications 3 0.00%-98.18%
Average Loan Request £516.00 82.33%28.36%
Average Monthly Income £1763.67 -15.33%16.88%
Loan Purpose Top Employers
1. Other expense 1. PURECONTENTMEDIA
2. Special Occasion 2.
3. Unexpected Expense 3.

Nottingham

December 2019

Number % Increase MOM
Applications 8 -33.33%-97.52%
Average Loan Request £250.00 -53.10%-33.33%
Average Monthly Income £1232.13 -19.42%-18.83%
Loan Purpose Top Employers
1. Special Occasion 1. ASDA
2. Home Improvement 2. CITYHOSPITAL
3. Unexpected Expense 3. COTTONTRADERS

Reading

December 2019

Number % Increase MOM
Applications 5 150.00%-97.51%
Average Loan Request £360.00 2.86%-4.76%
Average Monthly Income £1500.00 3.45%-17.85%
Loan Purpose Top Employers
1. Home Improvement 1. BRUNCHEXPRESS
2. Other expense 2. DHL
3. Rent/Mortgage 3. GIST

Sheffield

December 2019

Number % Increase MOM
Applications 11 120.00%-97.22%
Average Loan Request £536.00 21.82%48.89%
Average Monthly Income £1943.64 107.65%36.88%
Loan Purpose Top Employers
1. Vehicle Repair 1. BUNZL
2. Pay Bills 2. BUPA
3. Special Occasion 3. DIMENSIONS

Stokeontrent

December 2019

Number % Increase MOM
Applications 4 -42.86%-98.27%
Average Loan Request £275.00 -37.50%-23.18%
Average Monthly Income £1602.75 -4.08%9.33%
Loan Purpose Top Employers
1. Unexpected Expense 1. DIRTDEMONS
2. Home Improvement 2. NGHEALTHCARE
3. Other expense 3. PLD
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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