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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

    June 2019

    Number % Increase MOM
    Applications 373 -8.58%-40.13%
    Average Loan Request £391.00 7.42%19.94%
    Average Monthly Income £1420.19 -0.62%2.91%
    Loan Purpose Top Employers
    1. Pay Bills 1. NHS
    2. Unexpected Expense 2. BELFASTTRUST
    3. Special Occasion 3. FIRSTSOURCE

    STV

    June 2019

    Number % Increase MOM
    Applications 1448 -18.61%-43.79%
    Average Loan Request £352.00 -3.30%11.04%
    Average Monthly Income £1455.56 -1.92%2.14%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. MR
    3. Special Occasion 3. TESCO

    Border

    June 2019

    Number % Increase MOM
    Applications 162 5.88%-35.20%
    Average Loan Request £320.00 -10.86%2.56%
    Average Monthly Income £1434.59 1.53%-2.01%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. DUMFRIESANDGALLOWAYCOUNCIL
    3. Home Improvement 3. GREGGS

    Tyne Tees

    June 2019

    Number % Increase MOM
    Applications 950 -16.23%-38.95%
    Average Loan Request £338.00 -1.17%5.96%
    Average Monthly Income £1452.69 -0.09%0.81%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. MISS
    3. Special Occasion 3. TESCO

    Yorkshire

    June 2019

    Number % Increase MOM
    Applications 1490 -13.27%-43.67%
    Average Loan Request £345.00 6.81%11.65%
    Average Monthly Income £1464.27 0.78%2.97%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. CAPITA
    3. Vehicle Repair 3. MR

    Granada

    June 2019

    Number % Increase MOM
    Applications 2060 -19.31%-42.84%
    Average Loan Request £341.00 0.00%9.65%
    Average Monthly Income £1484.14 2.57%4.37%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. ASDA
    3. Special Occasion 3. MR

    Wales

    June 2019

    Number % Increase MOM
    Applications 766 -11.45%-38.18%
    Average Loan Request £350.00 0.57%7.03%
    Average Monthly Income £1485.66 0.86%2.96%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. TESCO
    3. Special Occasion 3. ADMIRAL

    Central

    June 2019

    Number % Increase MOM
    Applications 2389 -17.76%-40.84%
    Average Loan Request £366.00 3.10%12.62%
    Average Monthly Income £1538.24 1.74%5.87%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. MR
    3. Vehicle Repair 3. MISS

    Anglia

    June 2019

    Number % Increase MOM
    Applications 937 -39.55%-12.51%
    Average Loan Request £358.00 1.99%11.18%
    Average Monthly Income £1537.04 0.86%2.20%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. TESCO
    2. Pay Bills 2. MR
    3. Vehicle Repair 3. MISS

    London

    June 2019

    Number % Increase MOM
    Applications 2399 -16.44%-44.53%
    Average Loan Request £375.00 1.35%9.01%
    Average Monthly Income £1713.41 1.27%1.33%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. SAINSBURYS
    2. Pay Bills 2. TESCO
    3. Other expense 3. NHS

    Meridian

    June 2019

    Number % Increase MOM
    Applications 1585 -19.79%-44.03%
    Average Loan Request £350.00 -2.51%3.55%
    Average Monthly Income £1586.57 -2.24%2.62%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. TESCO
    2. Pay Bills 2. SAINSBURYS
    3. Special Occasion 3. NHS

    West

    June 2019

    Number % Increase MOM
    Applications 578 -13.21%-43.11%
    Average Loan Request £328.00 -3.81%-3.24%
    Average Monthly Income £1530.03 2.76%3.73%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. MR
    3. Vehicle Repair 3. MORRISONS

    West Country

    June 2019

    Number % Increase MOM
    Applications 285 -23.59%-49.56%
    Average Loan Request £348.00 -5.43%11.90%
    Average Monthly Income £1413.61 -5.25%-0.73%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Home Improvement 2. MR
    3. Pay Bills 3. TESCO

    Channel Islands

    June 2019

    Number % Increase MOM
    Applications 12 50.00%-7.69%
    Average Loan Request £450.00 -8.16%-5.46%
    Average Monthly Income £1647.00 -15.36%2.23%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. COOP
    2. Other expense 2. COOPERATIVE
    3. Pay Bills 3. FORESTSTORES
    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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