Consumer finance estimates for the West Midlands, built from published national totals and population figures.
£11.1bn
Consumer finance, 12 months
An estimated £11.1 billion of new consumer finance business was written by reporting lenders in the West Midlands in the 12 months to August 2026.
Source: Estimate from Finance and Leasing Association consumer finance figures and ONS mid-2025 population estimates, Borrowing Data, 12 months to August 2026
Estimate: £126,020 million of new consumer finance business was written by reporting lenders in the United Kingdom in the 12 months to August 2026 (Finance and Leasing Association) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£852m
Consumer finance, monthly
An estimated £852 million of new consumer finance business was written by reporting lenders in the West Midlands in August 2026.
Source: Estimate from Finance and Leasing Association consumer finance figures and ONS mid-2025 population estimates, Borrowing Data, August 2026
Estimate: £9,673 million of new consumer finance business was written by reporting lenders in the United Kingdom in August 2026 (Finance and Leasing Association) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£5,730m
Cards and loans, 12 months
An estimated £5,730 million of new credit card and personal loan business was written by reporting lenders in the West Midlands in the 12 months to August 2026.
Source: Estimate from Finance and Leasing Association consumer finance figures and ONS mid-2025 population estimates, Borrowing Data, 12 months to August 2026
Estimate: £65,056 million of new credit card and personal loan business was written by reporting lenders in the United Kingdom in the 12 months to August 2026 (Finance and Leasing Association) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£472m
Cards and loans, monthly
An estimated £472 million of new credit card and personal loan business was written by reporting lenders in the West Midlands in August 2026.
Source: Estimate from Finance and Leasing Association consumer finance figures and ONS mid-2025 population estimates, Borrowing Data, August 2026
Estimate: £5,359 million of new credit card and personal loan business was written by reporting lenders in the United Kingdom in August 2026 (Finance and Leasing Association) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£808m
Store credit, 12 months
An estimated £808 million of new retail store and online credit business was written by reporting lenders in the West Midlands in the 12 months to August 2026.
Source: Estimate from Finance and Leasing Association consumer finance figures and ONS mid-2025 population estimates, Borrowing Data, 12 months to August 2026
Estimate: £9,177 million of new retail store and online credit business was written by reporting lenders in the United Kingdom in the 12 months to August 2026 (Finance and Leasing Association) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£59.1m
Store credit, monthly
An estimated £59.1 million of new retail store and online credit business was written by reporting lenders in the West Midlands in August 2026.
Source: Estimate from Finance and Leasing Association consumer finance figures and ONS mid-2025 population estimates, Borrowing Data, August 2026
Estimate: £671 million of new retail store and online credit business was written by reporting lenders in the United Kingdom in August 2026 (Finance and Leasing Association) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£5,010m
Motor finance, 12 months
An estimated £5,010 million of new motor finance business (consumer and business cars) was written by reporting lenders in the West Midlands in the 12 months to August 2026.
Source: Estimate from Finance and Leasing Association consumer finance figures and ONS mid-2025 population estimates, Borrowing Data, 12 months to August 2026
Estimate: £56,930 million of new motor finance business (consumer and business cars) was written by reporting lenders in the United Kingdom in the 12 months to August 2026 (Finance and Leasing Association) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
£329m
Motor finance, monthly
An estimated £329 million of new motor finance business (consumer and business cars) was written by reporting lenders in the West Midlands in August 2026.
Source: Estimate from Finance and Leasing Association consumer finance figures and ONS mid-2025 population estimates, Borrowing Data, August 2026
Estimate: £3,736 million of new motor finance business (consumer and business cars) was written by reporting lenders in the United Kingdom in August 2026 (Finance and Leasing Association) apportioned by the share of residents aged 16 and over living in the West Midlands: 5,033,435 of 57,153,485 in the United Kingdom (ONS mid-2025 population estimates).
5,033,435
Residents aged 16 and over
The estimated population aged 16 and over in the West Midlands was 5,033,435 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-year population estimates as returned by the Nomis 'Aged 16+' category, rebased to Census 2021 and 2022 where applicable. Usual residents.