Borrowing Data

Borrowing statistics in Stockton-on-Tees 2026

Last updated November 2026 · Data to mid-2025 · Stockton-on-Tees

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.

Key points

In 2024, 131,000 adults in Stockton-on-Tees held at least one credit or loan product. In 2024, 55 per cent of adults in Stockton-on-Tees held a credit card (now or in the previous 12 months). In 2024, 29,600 adults in Stockton-on-Tees were overdrawn on a current account.

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.