Borrowing estimates for Lincoln, built from published survey rates and population figures.
An estimated 72,500 adults in Lincoln held at least one credit or loan product in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 84% of adults in the East Midlands held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 86,284 adults aged 18 and over in Lincoln (ONS mid-2024 population estimates, single-year ages summed).
An estimated 56,100 adults in Lincoln held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 65% of adults in the East Midlands held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 86,284 adults aged 18 and over in Lincoln (ONS mid-2024 population estimates, single-year ages summed).
An estimated 15,500 adults in Lincoln were overdrawn on a current account in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 18% of adults in the East Midlands were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 86,284 adults aged 18 and over in Lincoln (ONS mid-2024 population estimates, single-year ages summed).
An estimated 25,900 adults in Lincoln had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 30% of adults in the East Midlands had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 86,284 adults aged 18 and over in Lincoln (ONS mid-2024 population estimates, single-year ages summed).
An estimated 17,300 adults in Lincoln used buy now, pay later credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 20% of adults in the East Midlands used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 86,284 adults aged 18 and over in Lincoln (ONS mid-2024 population estimates, single-year ages summed).
An estimated 5,440 adults in Lincoln held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 6.3% of adults in the East Midlands held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 86,284 adults aged 18 and over in Lincoln (ONS mid-2024 population estimates, single-year ages summed).
An estimated 19,800 adults in Lincoln had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 23% of adults in the East Midlands had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 86,284 adults aged 18 and over in Lincoln (ONS mid-2024 population estimates, single-year ages summed).
An estimated 7,770 adults in Lincoln were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 9% of adults in the East Midlands were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 86,284 adults aged 18 and over in Lincoln (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Lincoln was 87,071 at mid-2025.
Source: Population estimates - local authority based by single year of age (Nomis NM_2002_1), mid-year estimates, Office for National Statistics, 30 June 2025
ONS mid-2025 population estimates (published 29 July 2026 for England and Wales; Scotland and Northern Ireland as carried in the same Nomis table), local authority boundaries as of April 2023, usual residents, as returned by the Nomis 'Aged 16+' category.
An estimated 72,500 adults in Lincoln held at least one credit or loan product in 2024. An estimated 56,100 adults in Lincoln held a credit card in 2024. An estimated 15,500 adults in Lincoln were overdrawn on a current account in 2024.
An estimated 72,500 adults in Lincoln held at least one credit or loan product in 2024.
An estimated 56,100 adults in Lincoln held a credit card in 2024.
An estimated 15,500 adults in Lincoln were overdrawn on a current account in 2024.