Borrowing Data

Consumer credit statistics in the North East 2026

Last updated November 2026 · Data to September 2026 · North East

Consumer credit estimates for the North East, built from published national totals and population figures.

£3,360m

Credit card balances

An estimated £3,360 million of credit card lending to individuals was outstanding in the North East at the end of September 2026.

Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026

Estimate: £83,708 million of credit card lending to individuals was outstanding in the United Kingdom at the end of September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the North East: 2,291,470 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).

£7,120m

Other consumer credit balances

An estimated £7,120 million of consumer credit lending to individuals other than through credit cards, excluding student loans, was outstanding in the North East at the end of September 2026.

Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026

Estimate: £177,492 million of consumer credit lending to individuals other than through credit cards, excluding student loans, was outstanding in the United Kingdom at the end of September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the North East: 2,291,470 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).

£1,110m

Credit card gross lending

An estimated £1,110 million of gross credit card lending to individuals was made in the North East in September 2026.

Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026

Estimate: £27,679 million of gross credit card lending to individuals was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the North East: 2,291,470 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).

£386m

Other credit gross lending

An estimated £386 million of gross consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the North East in September 2026.

Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026

Estimate: £9,620 million of gross consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the North East: 2,291,470 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).

£26.8m

Credit card net lending

An estimated £26.8 million of net credit card lending to individuals was made in the North East in September 2026.

Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026

Estimate: £668 million of net credit card lending to individuals was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the North East: 2,291,470 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).

£49.9m

Other credit net lending

An estimated £49.9 million of net consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the North East in September 2026.

Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, September 2026

Estimate: £1,245 million of net consumer credit lending to individuals other than through credit cards, excluding student loans, was made in the United Kingdom in September 2026 (Bank of England, seasonally adjusted) apportioned by the share of residents aged 16 and over living in the North East: 2,291,470 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).

£15.1m

Credit card write-offs

An estimated £15.1 million of credit card lending to individuals was written off in the North East in the second quarter of 2026.

Source: Estimate from Bank of England consumer credit figures and ONS mid-2025 population estimates, Borrowing Data, Q2 2026

Estimate: £376 million of credit card lending to individuals was written off in the United Kingdom in the second quarter of 2026 (Bank of England, not seasonally adjusted) apportioned by the share of residents aged 16 and over living in the North East: 2,291,470 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).

Key points

An estimated £3,360 million of credit card lending to individuals was outstanding in the North East at the end of September 2026. An estimated £7,120 million of consumer credit lending to individuals other than through credit cards, excluding student loans, was outstanding in the North East at the end of September 2026. An estimated £1,110 million of gross credit card lending to individuals was made in the North East in September 2026.

Frequently asked questions

How much credit card lending to individuals was outstanding in the North East at the end of September 2026?

An estimated £3,360 million of credit card lending to individuals was outstanding in the North East at the end of September 2026.

How much consumer credit lending to individuals other than through credit cards was outstanding in the North East at the end of September 2026?

An estimated £7,120 million of consumer credit lending to individuals other than through credit cards, excluding student loans, was outstanding in the North East at the end of September 2026.

How much gross credit card lending to individuals was made in the North East in September 2026?

An estimated £1,110 million of gross credit card lending to individuals was made in the North East in September 2026.