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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

July 2019

Number % Increase MOM
Applications 333 0.30%-62.12%
Average Loan Request £325.00 1.25%1.56%
Average Monthly Income £1379.80 -2.28%-4.78%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. DWP
3. Special Occasion 3. ASDA

Edinburgh

July 2019

Number % Increase MOM
Applications 184 -15.60%-60.43%
Average Loan Request £356.00 0.85%7.88%
Average Monthly Income £1497.01 9.83%4.69%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. NHSLOTHIAN
3. Home Improvement 3. TESCO

Birmingham

July 2019

Number % Increase MOM
Applications 455 -7.89%-61.01%
Average Loan Request £361.00 -1.37%6.18%
Average Monthly Income £1451.04 -5.04%-1.42%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. DHL
3. Home Improvement 3. ASDA

Glasgow

July 2019

Number % Increase MOM
Applications 335 7.03%-57.97%
Average Loan Request £381.00 12.72%17.59%
Average Monthly Income £1414.06 -2.34%-3.48%
Loan Purpose Top Employers
1. Pay Bills 1. NHS
2. Unexpected Expense 2. THREE
3. Home Improvement 3. POUNDLAND

Manchester

July 2019

Number % Increase MOM
Applications 370 -16.85%-60.93%
Average Loan Request £366.00 7.65%14.73%
Average Monthly Income £1444.27 0.16%0.65%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. MCDONALDS
3. Special Occasion 3. TRAFFORDCOUNCIL

Cardiff

July 2019

Number % Increase MOM
Applications 270 -4.59%-53.61%
Average Loan Request £346.00 -0.29%4.53%
Average Monthly Income £1432.14 0.01%-3.30%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. HAFOD
3. Special Occasion 3. NHS

Leeds

July 2019

Number % Increase MOM
Applications 216 7.46%-49.06%
Average Loan Request £368.00 13.58%12.54%
Average Monthly Income £1540.68 2.58%7.44%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. LEEDSCITYCOUNCIL
3. Special Occasion 3. BETFRED

Bradford

July 2019

Number % Increase MOM
Applications 157 -15.59%-51.84%
Average Loan Request £363.00 6.45%12.04%
Average Monthly Income £1439.89 1.83%-1.31%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Other expense 2. NHS
3. Pay Bills 3. ASDA

Belfast

July 2019

Number % Increase MOM
Applications 320 -60.20%-14.21%
Average Loan Request £380.00 -2.81%11.11%
Average Monthly Income £1384.42 -2.51%0.39%
Loan Purpose Top Employers
1. Pay Bills 1. ASDA
2. Unexpected Expense 2. CIVILSERVICE
3. Vehicle Repair 3. CONCENTRIX

London

July 2019

Number % Increase MOM
Applications 899 -7.42%-62.04%
Average Loan Request £376.00 0.53%0.00%
Average Monthly Income £1687.51 -1.49%-2.62%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. WAITROSE
3. Other expense 3. NHS

Coventry

July 2019

Number % Increase MOM
Applications 193 -1.53%-57.02%
Average Loan Request £388.00 6.89%10.23%
Average Monthly Income £1532.96 -0.33%2.33%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. UNIPART
3. Special Occasion 3. PREMIERINN

Liverpool

July 2019

Number % Increase MOM
Applications 283 1.07%-59.46%
Average Loan Request £331.00 -7.28%1.22%
Average Monthly Income £1570.48 8.01%9.82%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Special Occasion 2. LIVERPOOLCITYCOUNCIL
3. Pay Bills 3. MATALAN

Leicester

July 2019

Number % Increase MOM
Applications 203 -6.45%-62.13%
Average Loan Request £399.00 11.76%15.65%
Average Monthly Income £1515.43 -4.99%-0.04%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. LEICESTERCITYCOUNCIL
3. Other expense 3. PRIMELIFE

Bristol

July 2019

Number % Increase MOM
Applications 167 -20.85%-61.52%
Average Loan Request £359.00 14.70%11.15%
Average Monthly Income £1632.89 3.87%9.88%
Loan Purpose Top Employers
1. Unexpected Expense 1. CLARENCEPARK
2. Pay Bills 2. BESTCONNECTION
3. Vehicle Repair 3. IBISHOTEL

Norwich

July 2019

Number % Increase MOM
Applications 123 -18.54%-62.15%
Average Loan Request £332.00 -4.87%-8.79%
Average Monthly Income £1474.38 1.33%-2.03%
Loan Purpose Top Employers
1. Pay Bills 1. NHS
2. Unexpected Expense 2. AVIVA
3. Vehicle Repair 3. SAINSBURYS

Nottingham

July 2019

Number % Increase MOM
Applications 261 -7.12%-59.41%
Average Loan Request £351.00 0.00%7.67%
Average Monthly Income £1458.07 -5.69%-1.88%
Loan Purpose Top Employers
1. Unexpected Expense 1. MCDONALDS
2. Home Improvement 2. TESCO
3. Vehicle Repair 3. NOTTINGHAMCITYCOUNCIL

Reading

July 2019

Number % Increase MOM
Applications 134 -10.67%-64.46%
Average Loan Request £400.00 26.58%17.30%
Average Monthly Income £1622.94 1.24%-4.14%
Loan Purpose Top Employers
1. Unexpected Expense 1. BRIGHTERKIND
2. Pay Bills 2. DEBENHAMS
3. Other expense 3. TESCO

Sheffield

July 2019

Number % Increase MOM
Applications 322 -12.50%-61.98%
Average Loan Request £354.00 -0.28%5.67%
Average Monthly Income £1451.75 3.33%-1.71%
Loan Purpose Top Employers
1. Unexpected Expense 1. CAPITA
2. Pay Bills 2. WEBHELP
3. Special Occasion 3. NHS

Stokeontrent

July 2019

Number % Increase MOM
Applications 161 -4.17%-60.83%
Average Loan Request £347.00 -5.45%4.83%
Average Monthly Income £1523.11 4.75%7.19%
Loan Purpose Top Employers
1. Unexpected Expense 1. DHL
2. Other expense 2. ROBUST
3. Pay Bills 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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