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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

May 2019

Number % Increase MOM
Applications 429 3.87%-31.47%
Average Loan Request £343.00 3.63%9.94%
Average Monthly Income £1398.51 1.27%-0.74%
Loan Purpose Top Employers
1. Unexpected Expense 1. EE
2. Pay Bills 2. NHS
3. Home Improvement 3. BT

Edinburgh

May 2019

Number % Increase MOM
Applications 285 16.33%-24.20%
Average Loan Request £365.00 10.61%13.71%
Average Monthly Income £1421.95 -0.56%1.06%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHSLOTHIAN
2. Pay Bills 2. SKY
3. Vehicle Repair 3. ASDA

Birmingham

May 2019

Number % Increase MOM
Applications 591 5.54%-32.15%
Average Loan Request £368.00 -0.54%11.18%
Average Monthly Income £1497.87 0.80%8.23%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. BIRMINGHAMCITYCOUNCIL
3. Special Occasion 3. ASDA

Glasgow

May 2019

Number % Increase MOM
Applications 413 7.55%-44.79%
Average Loan Request £355.00 1.72%5.97%
Average Monthly Income £1507.17 4.52%8.59%
Loan Purpose Top Employers
1. Unexpected Expense 1. GLASGOWCITYCOUNCIL
2. Pay Bills 2. NHS
3. Home Improvement 3. ARNOLDCLARK

Manchester

May 2019

Number % Increase MOM
Applications 454 -1.52%-39.63%
Average Loan Request £352.00 2.33%8.98%
Average Monthly Income £1408.41 -5.54%1.84%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. NHS
3. Home Improvement 3. ASDA

Cardiff

May 2019

Number % Increase MOM
Applications 314 0.96%-38.67%
Average Loan Request £353.00 11.71%-1.12%
Average Monthly Income £1506.74 3.48%6.86%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. TESCO
3. Vehicle Repair 3. BRITISHGAS

Leeds

May 2019

Number % Increase MOM
Applications 237 3.95%-34.35%
Average Loan Request £323.00 -4.72%0.62%
Average Monthly Income £1530.23 3.25%5.10%
Loan Purpose Top Employers
1. Unexpected Expense 1. LEEDSCITYCOUNCIL
2. Pay Bills 2. NHS
3. Other expense 3. ASDA

Bradford

May 2019

Number % Increase MOM
Applications 210 4.48%-26.06%
Average Loan Request £391.00 18.84%13.01%
Average Monthly Income £1483.01 11.93%4.29%
Loan Purpose Top Employers
1. Unexpected Expense 1. BRADFORDCOUNCIL
2. Pay Bills 2. NHS
3. Other expense 3. ALDI

Belfast

May 2019

Number % Increase MOM
Applications 408 -36.15%7.37%
Average Loan Request £364.00 4.90%13.40%
Average Monthly Income £1429.09 -2.92%-1.03%
Loan Purpose Top Employers
1. Unexpected Expense 1. ASDA
2. Special Occasion 2. TESCO
3. Pay Bills 3. NHS

London

May 2019

Number % Increase MOM
Applications 1148 14.46%-32.87%
Average Loan Request £377.00 0.00%2.72%
Average Monthly Income £1727.07 1.12%3.11%
Loan Purpose Top Employers
1. Unexpected Expense 1. SAINSBURYS
2. Pay Bills 2. TESCO
3. Other expense 3. NHS

Coventry

May 2019

Number % Increase MOM
Applications 249 12.16%-30.64%
Average Loan Request £371.00 -2.11%6.00%
Average Monthly Income £1532.83 -6.31%5.35%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. OFFICLEANS
3. Vehicle Repair 3. MISSIONFOODS

Liverpool

May 2019

Number % Increase MOM
Applications 349 4.18%-33.52%
Average Loan Request £340.00 6.58%4.94%
Average Monthly Income £1439.94 -1.84%-2.58%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. ASDA
3. Special Occasion 3. MATALAN

Leicester

May 2019

Number % Increase MOM
Applications 246 -8.55%-32.04%
Average Loan Request £364.00 -9.23%7.69%
Average Monthly Income £1614.61 10.67%12.67%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. LEICESTERCITYCOUNCIL
3. Other expense 3. TESCO

Bristol

May 2019

Number % Increase MOM
Applications 214 -12.65%-34.56%
Average Loan Request £318.00 -3.05%3.58%
Average Monthly Income £1533.71 0.70%0.11%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. DHL
3. Vehicle Repair 3. ASDA

Norwich

May 2019

Number % Increase MOM
Applications 177 13.46%-38.33%
Average Loan Request £365.00 -8.75%-0.27%
Average Monthly Income £1442.83 -6.85%1.04%
Loan Purpose Top Employers
1. Unexpected Expense 1. TESCO
2. Pay Bills 2. SAINSBURYS
3. Special Occasion 3. AVIVA

Nottingham

May 2019

Number % Increase MOM
Applications 374 21.43%-29.57%
Average Loan Request £365.00 14.06%14.78%
Average Monthly Income £1471.41 0.57%1.97%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. DIXONSCARPHONE
3. Vehicle Repair 3. VODAFONE

Reading

May 2019

Number % Increase MOM
Applications 168 -19.62%-42.07%
Average Loan Request £381.00 9.48%9.80%
Average Monthly Income £1687.98 -4.09%6.97%
Loan Purpose Top Employers
1. Unexpected Expense 1. AWE
2. Pay Bills 2. ASKITALIAN
3. Other expense 3. LUXONIC

Sheffield

May 2019

Number % Increase MOM
Applications 454 18.23%-29.28%
Average Loan Request £310.00 -4.32%-6.06%
Average Monthly Income £1403.72 -4.51%-3.33%
Loan Purpose Top Employers
1. Unexpected Expense 1. NHS
2. Pay Bills 2. TESCO
3. Vehicle Repair 3. NEXT

Stokeontrent

May 2019

Number % Increase MOM
Applications 199 20.61%-32.54%
Average Loan Request £336.00 -0.30%5.00%
Average Monthly Income £1481.23 0.83%-0.05%
Loan Purpose Top Employers
1. Unexpected Expense 1. MCDONALDS
2. Vehicle Repair 2. JCB
3. Pay Bills 3. STOKEONTRENTCITYCOUNCIL
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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