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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

    September 2019

    Number % Increase MOM
    Applications 286 -18.29%-37.28%
    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. CONCENTRIX
    3. Home Improvement 3. NHS

    STV

    September 2019

    Number % Increase MOM
    Applications 1078 -11.86%-48.05%
    Average Loan Request £358.00 1.42%5.60%
    Average Monthly Income £1482.47 2.74%0.64%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. MISS
    3. Home Improvement 3. SKY

    Border

    September 2019

    Number % Increase MOM
    Applications 105 -9.48%-51.39%
    Average Loan Request £312.00 -9.30%-9.04%
    Average Monthly Income £1403.99 -9.83%-5.14%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. MORRISONS
    2. Pay Bills 2. SAINSBURYS
    3. Home Improvement 3. NHS

    Tyne Tees

    September 2019

    Number % Increase MOM
    Applications 747 -6.74%-47.32%
    Average Loan Request £340.00 -1.16%5.92%
    Average Monthly Income £1515.99 2.71%2.57%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. ASDA
    3. Special Occasion 3. MR

    Yorkshire

    September 2019

    Number % Increase MOM
    Applications 1064 -14.68%-48.10%
    Average Loan Request £336.00 -4.55%4.02%
    Average Monthly Income £1443.73 -0.23%1.81%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. TESCO
    3. Vehicle Repair 3. MCDONALDS

    Granada

    September 2019

    Number % Increase MOM
    Applications 1673 -9.42%-48.22%
    Average Loan Request £333.00 -4.31%0.91%
    Average Monthly Income £1526.42 0.69%5.42%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. TESCO
    3. Special Occasion 3. ASDA

    Wales

    September 2019

    Number % Increase MOM
    Applications 604 -10.78%-40.67%
    Average Loan Request £341.00 -1.16%1.79%
    Average Monthly Income £1428.26 -0.47%-1.36%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. TESCO
    3. Other expense 3. MISS

    Central

    September 2019

    Number % Increase MOM
    Applications 1934 -6.25%-44.18%
    Average Loan Request £335.00 -6.69%-1.18%
    Average Monthly Income £1490.68 -2.51%0.52%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. NHS
    2. Pay Bills 2. TESCO
    3. Other expense 3. MISS

    Anglia

    September 2019

    Number % Increase MOM
    Applications 667 -46.38%0.00%
    Average Loan Request £356.00 0.85%5.64%
    Average Monthly Income £1593.36 4.55%0.91%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. TESCO
    2. Pay Bills 2. MR
    3. Vehicle Repair 3. MISS

    London

    September 2019

    Number % Increase MOM
    Applications 1914 -6.95%-48.60%
    Average Loan Request £367.00 -3.17%0.55%
    Average Monthly Income £1700.09 -1.67%-0.87%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. TESCO
    2. Pay Bills 2. SAINSBURYS
    3. Special Occasion 3. MR

    Meridian

    September 2019

    Number % Increase MOM
    Applications 1245 -13.78%-51.41%
    Average Loan Request £349.00 -2.79%2.05%
    Average Monthly Income £1646.95 -0.55%1.73%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. TESCO
    2. Pay Bills 2. MR
    3. Vehicle Repair 3. MISS

    West

    September 2019

    Number % Increase MOM
    Applications 436 -9.73%-40.76%
    Average Loan Request £338.00 0.00%0.60%
    Average Monthly Income £1520.73 0.58%-0.21%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. TESCO
    2. Pay Bills 2. NHS
    3. Other expense 3. SAINSBURYS

    West Country

    September 2019

    Number % Increase MOM
    Applications 231 -16.61%-48.21%
    Average Loan Request £323.00 -15.22%-3.00%
    Average Monthly Income £1539.91 1.04%1.04%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. TESCO
    2. Pay Bills 2. NHS
    3. Other expense 3. BRITISHARMY

    Channel Islands

    September 2019

    Number % Increase MOM
    Applications 4 -33.33%-77.78%
    Average Loan Request £562.00 24.89%20.86%
    Average Monthly Income £2199.75 29.55%17.95%
    Loan Purpose Top Employers
    1. Unexpected Expense 1. FLOWERMAILLTD
    2. Vehicle Repair 2. HELMTRUSTCOMPANY
    3. Special Occasion 3. LINDONBUTCHER
    Compare YOY

    For more detailed UK statistics, please contact
    customer.support@cashlady.com

    Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk     

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