Borrowing figures for Stockton-on-Tees, from Borrowing Data and the Office for National Statistics.
131,000
Credit or loan holders
In 2024, 131,000 adults in Stockton-on-Tees held at least one credit or loan product.
Source: Local borrowing figures, Borrowing Data, 2024
Adults aged 18 and over; held now or in the previous 12 months. Includes regulated and unregulated credit.
55%
Credit card holders
In 2024, 55 per cent of adults in Stockton-on-Tees held a credit card (now or in the previous 12 months).
Source: Local borrowing figures, Borrowing Data, 2024
Adults aged 18 and over; held now or in the previous 12 months.
29,600
Overdraft users
In 2024, 29,600 adults in Stockton-on-Tees were overdrawn on a current account.
Source: Local borrowing figures, Borrowing Data, 2024
Adults aged 18 and over; overdrawn on a current account now or in the previous 12 months.
24%
Residential mortgage holders
In 2024, 24 per cent of adults in Stockton-on-Tees had a residential mortgage on the property they lived in.
Source: Local borrowing figures, Borrowing Data, 2024
Adults aged 18 and over; residential mortgage on the property they live in.
24%
Buy now, pay later users
In 2024, 24 per cent of adults in Stockton-on-Tees used deferred payment credit (unregulated buy now, pay later) in the previous 12 months.
Source: Local borrowing figures, Borrowing Data, 2024
Adults aged 18 and over; unregulated buy now, pay later, called deferred payment credit in the survey, used in the previous 12 months.
9,290
High-cost credit users
In 2024, 9,290 adults in Stockton-on-Tees held high-cost credit.
Source: Local borrowing figures, Borrowing Data, 2024
Adults aged 18 and over; held now or in the previous 12 months. Covers home-collected, logbook, pawnbroking, payday, rent-to-own, short-term instalment and guarantor loans.
29%
Low financial resilience
In 2024, 29 per cent of adults in Stockton-on-Tees had low financial resilience.
Source: Local borrowing figures, Borrowing Data, 2024
Adults aged 18 and over; in financial difficulty, heavily burdened by bills or credit commitments, or with low savings.
16,000
In financial difficulty
In 2024, 16,000 adults in Stockton-on-Tees were in financial difficulty, having missed domestic bills or credit commitments in three or more of the previous six months.
Source: Local borrowing figures, Borrowing Data, 2024
Adults aged 18 and over; missed domestic bills or credit commitments in three or more of the previous six months.
168,085
Residents aged 16 and over
The estimated population aged 16 and over in Stockton-on-Tees was 168,085 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.
Frequently asked questions
How many adults in Stockton-on-Tees held at least one credit or loan product in 2024?
In 2024, 131,000 adults in Stockton-on-Tees held at least one credit or loan product.
What share of adults in Stockton-on-Tees held a credit card in 2024?
In 2024, 55 per cent of adults in Stockton-on-Tees held a credit card (now or in the previous 12 months).
How many adults in Stockton-on-Tees were overdrawn on a current account in 2024?
In 2024, 29,600 adults in Stockton-on-Tees were overdrawn on a current account.