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HCSTC Consumer Index - UK Regional Trends

Millions of people apply for High Cost Short Term Credit solutions each year. The data presented below uses the data from payday loans and other short term loan applications that we process using our systems. Use the map below to see the monthly consumer trends by TV region. For a city based analysis go to Consumer credit analysis by city.

    UTV

    December 2019

    Number % Increase MOM
    Applications 6 -40.00%-98.50%
    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

    STV

    December 2019

    Number % Increase MOM
    Applications 40 2.56%-97.78%
    Average Loan Request £552.00 37.66%45.65%
    Average Monthly Income £1522.88 -3.19%4.81%
    Loan Purpose Top Employers
    1. Other expense 1. 1CALLUTILITIES
    2. Unexpected Expense 2. ABKCABS
    3. Vehicle Repair 3. AIRSORTED

    Border

    December 2019

    Number % Increase MOM
    Applications
    Average Loan Request £
    Average Monthly Income £
    Loan Purpose Top Employers
    1. 1.
    2. 2.
    3. 3.

    Tyne Tees

    December 2019

    Number % Increase MOM
    Applications 27 17.39%-97.55%
    Average Loan Request £392.00 -6.67%11.05%
    Average Monthly Income £1376.15 -8.44%-5.87%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. ANCHOR
    2. Vehicle Repair 2. AVENUEDAYNURSERY
    3. Home Improvement 3. BAKERHUGHES

    Yorkshire

    December 2019

    Number % Increase MOM
    Applications 39 39.29%-97.65%
    Average Loan Request £458.00 15.95%32.37%
    Average Monthly Income £1510.79 8.53%5.80%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. APOGEE
    2. Other expense 2. AVOCETTRUST
    3. Pay Bills 3. BEANLANDSNURSINGHOME

    Granada

    December 2019

    Number % Increase MOM
    Applications 46 6.98%-98.23%
    Average Loan Request £475.00 40.95%36.10%
    Average Monthly Income £1470.78 -6.91%0.88%
    Loan Purpose Top Employers
    1. Pay Bills 1. NHS
    2. Special Occasion 2. NHSPROPERTYSERVICES
    3. Unexpected Expense 3. ONESTOPSTORES

    Wales

    December 2019

    Number % Increase MOM
    Applications 16 -15.79%-98.36%
    Average Loan Request £400.00 -2.91%9.29%
    Average Monthly Income £1686.56 27.48%12.59%
    Loan Purpose Top Employers
    1. Other expense 1. AXIS
    2. Pay Bills 2. DRAGONMACHINERY
    3. Unexpected Expense 3. HARRISPYE

    Central

    December 2019

    Number % Increase MOM
    Applications 66 -1.49%-97.75%
    Average Loan Request £437.00 -3.74%14.10%
    Average Monthly Income £1472.41 0.03%-3.13%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. HMFORCES
    2. Special Occasion 2. SANDWELL
    3. Other expense 3. SEVERNTRENT

    Anglia

    December 2019

    Number % Increase MOM
    Applications 28 -97.43%27.27%
    Average Loan Request £530.00 40.21%34.52%
    Average Monthly Income £1787.64 -11.81%13.00%
    Loan Purpose Top Employers
    1. Pay Bills 1. ASPECT
    2. Special Occasion 2. BAMCONSTRUCTUK
    3. Other expense 3. BIDWELLS

    London

    December 2019

    Number % Increase MOM
    Applications 57 16.33%-98.13%
    Average Loan Request £429.00 25.44%8.06%
    Average Monthly Income £1660.05 -7.52%-6.00%
    Loan Purpose Top Employers
    1. Pay Bills 1. NHS
    2. Unexpected Expense 2. NJC
    3. Vehicle Repair 3. NKP

    Meridian

    December 2019

    Number % Increase MOM
    Applications 36 44.00%-98.26%
    Average Loan Request £336.00 -1.75%-10.88%
    Average Monthly Income £1494.36 -27.46%-10.46%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. BOURNEMOUTHWHITELINING
    2. Vehicle Repair 2. BRUNCHEXPRESS
    3. Special Occasion 3. CHARTWELLS

    West

    December 2019

    Number % Increase MOM
    Applications 14 0.00%-97.95%
    Average Loan Request £346.00 -14.14%-4.95%
    Average Monthly Income £1540.00 10.95%-1.09%
    Loan Purpose Top Employers
    1. Vehicle Repair 1. AGENCYTHEBRAIN
    2. Other expense 2. AMBEATONLTD
    3. Pay Bills 3. COMPUTERSHARE

    West Country

    December 2019

    Number % Increase MOM
    Applications 7 -50.00%-98.03%
    Average Loan Request £325.00 -21.50%-11.20%
    Average Monthly Income £1553.57 -0.86%2.01%
    Loan Purpose Top Employers
    1. Rent/Mortgage 1. A&PFALMOUTH
    2. Unexpected Expense 2. ANGLO
    3. Home Improvement 3. BAYEDUCATION

    Channel Islands

    December 2019

    Number % Increase MOM
    Applications
    Average Loan Request £
    Average Monthly Income £
    Loan Purpose Top Employers
    1. 1.
    2. 2.
    3. 3.
    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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