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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

September 2019

Number % Increase MOM
Applications 268 -13.55%-52.57%
Average Loan Request £342.00 2.70%8.57%
Average Monthly Income £1470.46 5.94%0.44%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. ASDA
3. Special Occasion 3. MCDONALDS

Edinburgh

September 2019

Number % Increase MOM
Applications 178 -11.00%-45.40%
Average Loan Request £348.00 -3.60%-0.85%
Average Monthly Income £1537.54 1.42%3.19%
Loan Purpose Top Employers
1. Unexpected Expense 1. WESTLOTHIANCOUNCIL
2. Pay Bills 2. CITYOFEDINBURGHCOUNCIL
3. Other expense 3. MIDLOTHIANCOUNCIL

Birmingham

September 2019

Number % Increase MOM
Applications 407 -10.35%-40.06%
Average Loan Request £350.00 -6.17%6.71%
Average Monthly Income £1414.67 -6.44%-2.50%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. BIRMINGHAMCITYCOUNCIL
3. Other expense 3. MCDONALDS

Glasgow

September 2019

Number % Increase MOM
Applications 285 -6.86%-44.98%
Average Loan Request £352.00 2.62%5.07%
Average Monthly Income £1465.40 2.33%-1.39%
Loan Purpose Top Employers
1. Unexpected Expense 1. MCDONALDS
2. Pay Bills 2. GLASGOWCITYCOUNCIL
3. Home Improvement 3. HERMES

Manchester

September 2019

Number % Increase MOM
Applications 320 -16.45%-45.30%
Average Loan Request £341.00 -6.32%3.96%
Average Monthly Income £1516.07 -0.32%2.44%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Special Occasion 2. NHS
3. Pay Bills 3. ASDA

Cardiff

September 2019

Number % Increase MOM
Applications 232 -2.93%-30.75%
Average Loan Request £322.00 -3.01%-1.53%
Average Monthly Income £1431.63 0.61%-2.94%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. NHS
3. Other expense 3. EE

Leeds

September 2019

Number % Increase MOM
Applications 161 3.21%-38.08%
Average Loan Request £335.00 -6.94%0.00%
Average Monthly Income £1392.01 -4.59%-3.80%
Loan Purpose Top Employers
1. Unexpected Expense 1. ASPENHILLVILLAGE
2. Vehicle Repair 2. BETFRED
3. Pay Bills 3. LEEDSCITYCOUNCIL

Bradford

September 2019

Number % Increase MOM
Applications 144 -6.49%-42.40%
Average Loan Request £316.00 -5.39%0.96%
Average Monthly Income £1373.80 -0.95%-2.50%
Loan Purpose Top Employers
1. Unexpected Expense 1. ANCHOR
2. Pay Bills 2. BRADFORDCOUNCIL
3. Special Occasion 3. MCDONALDS

Belfast

September 2019

Number % Increase MOM
Applications 286 -37.28%-18.29%
Average Loan Request £345.00 -8.24%1.77%
Average Monthly Income £1425.32 -1.16%-1.02%
Loan Purpose Top Employers
1. Unexpected Expense 1. FIRSTSOURCE
2. Vehicle Repair 2. NHS
3. Home Improvement 3. CONCENTRIX

London

September 2019

Number % Increase MOM
Applications 732 -3.30%-52.68%
Average Loan Request £374.00 -0.53%0.54%
Average Monthly Income £1718.68 -1.05%0.39%
Loan Purpose Top Employers
1. Unexpected Expense 1. SAINSBURYS
2. Pay Bills 2. TESCO
3. Other expense 3. ASDA

Coventry

September 2019

Number % Increase MOM
Applications 175 2.34%-48.07%
Average Loan Request £334.00 -8.49%-10.22%
Average Monthly Income £1586.91 -4.00%1.73%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. DHL
3. Other expense 3. JAGUARLANDROVER

Liverpool

September 2019

Number % Increase MOM
Applications 214 -11.20%-53.58%
Average Loan Request £321.00 -2.13%-9.07%
Average Monthly Income £1516.93 -5.01%6.00%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. QVC
3. Home Improvement 3. MATALAN

Leicester

September 2019

Number % Increase MOM
Applications 153 -10.00%-54.46%
Average Loan Request £350.00 -4.11%0.57%
Average Monthly Income £1478.20 -1.26%-4.88%
Loan Purpose Top Employers
1. Unexpected Expense 1. DHL
2. Pay Bills 2. TESCO
3. Special Occasion 3. NHS

Bristol

September 2019

Number % Increase MOM
Applications 162 -10.99%-36.22%
Average Loan Request £328.00 -1.20%-6.29%
Average Monthly Income £1456.29 -6.89%-6.53%
Loan Purpose Top Employers
1. Pay Bills 1. TESCO
2. Unexpected Expense 2. NHS
3. Vehicle Repair 3. SAINSBURYS

Norwich

September 2019

Number % Increase MOM
Applications 87 -17.92%-50.57%
Average Loan Request £363.00 9.01%6.14%
Average Monthly Income £1387.44 -6.76%-7.87%
Loan Purpose Top Employers
1. Unexpected Expense 1. BARCHESTER
2. Other expense 2. BERNARDMATTREWS
3. Pay Bills 3. BLACKSWANINTERNATIONAL

Nottingham

September 2019

Number % Increase MOM
Applications 251 4.58%-36.93%
Average Loan Request £342.00 0.88%4.27%
Average Monthly Income £1498.32 2.69%-1.81%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. SPORTSDIRECT
3. Vehicle Repair 3. NOTTINGHAMCITYCOUNCIL

Reading

September 2019

Number % Increase MOM
Applications 128 14.29%-42.60%
Average Loan Request £327.00 -14.62%6.86%
Average Monthly Income £1590.90 -11.12%-0.44%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. ROYALMAIL
3. Vehicle Repair 3. GREENEKING

Sheffield

September 2019

Number % Increase MOM
Applications 239 -28.01%-49.15%
Average Loan Request £361.00 1.98%14.60%
Average Monthly Income £1436.25 -1.29%0.23%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. TESCO
3. Vehicle Repair 3. WEBHELP

Stokeontrent

September 2019

Number % Increase MOM
Applications 124 -14.48%-50.20%
Average Loan Request £308.00 -9.68%-12.00%
Average Monthly Income £1507.35 -2.75%5.70%
Loan Purpose Top Employers
1. Unexpected Expense 1. ALTONTOWERS
2. Vehicle Repair 2. NEWLOOK
3. Other expense 3. NHS
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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