Borrowing estimates for South Ayrshire, built from published survey rates and population figures.
An estimated 77,300 adults in South Ayrshire 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: 83% of adults in Scotland held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 93,155 adults aged 18 and over in South Ayrshire (ONS mid-2024 population estimates, single-year ages summed).
An estimated 58,700 adults in South Ayrshire held a credit card in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 63% of adults in Scotland held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 93,155 adults aged 18 and over in South Ayrshire (ONS mid-2024 population estimates, single-year ages summed).
An estimated 19,600 adults in South Ayrshire 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: 21% of adults in Scotland were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 93,155 adults aged 18 and over in South Ayrshire (ONS mid-2024 population estimates, single-year ages summed).
An estimated 24,200 adults in South Ayrshire had a residential mortgage in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 26% of adults in Scotland had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 93,155 adults aged 18 and over in South Ayrshire (ONS mid-2024 population estimates, single-year ages summed).
An estimated 18,600 adults in South Ayrshire 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 Scotland used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 93,155 adults aged 18 and over in South Ayrshire (ONS mid-2024 population estimates, single-year ages summed).
An estimated 5,780 adults in South Ayrshire held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 6.2% of adults in Scotland held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 93,155 adults aged 18 and over in South Ayrshire (ONS mid-2024 population estimates, single-year ages summed).
An estimated 21,400 adults in South Ayrshire 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 Scotland had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 93,155 adults aged 18 and over in South Ayrshire (ONS mid-2024 population estimates, single-year ages summed).
An estimated 7,450 adults in South Ayrshire were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 8% of adults in Scotland were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 93,155 adults aged 18 and over in South Ayrshire (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in South Ayrshire was 95,726 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 77,300 adults in South Ayrshire held at least one credit or loan product in 2024. An estimated 58,700 adults in South Ayrshire held a credit card in 2024. An estimated 19,600 adults in South Ayrshire were overdrawn on a current account in 2024.
An estimated 77,300 adults in South Ayrshire held at least one credit or loan product in 2024.
An estimated 58,700 adults in South Ayrshire held a credit card in 2024.
An estimated 19,600 adults in South Ayrshire were overdrawn on a current account in 2024.