Borrowing Data

Borrowing statistics in West Suffolk 2026

Last updated November 2026 · Data to mid-2025 · West Suffolk

Borrowing figures for West Suffolk, from Borrowing Data and the Office for National Statistics.

128,000

Credit or loan holders

In 2024, 128,000 adults in West Suffolk 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.

69%

Credit card holders

In 2024, 69 per cent of adults in West Suffolk 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.

34,100

Overdraft users

In 2024, 34,100 adults in West Suffolk 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.

32%

Residential mortgage holders

In 2024, 32 per cent of adults in West Suffolk 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.

28,600

Buy now, pay later users

In 2024, 28,600 adults in West Suffolk 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.

6.0%

High-cost credit users

In 2024, 6.0 per cent of adults in West Suffolk held high-cost credit (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. Covers home-collected, logbook, pawnbroking, payday, rent-to-own, short-term instalment and guarantor loans.

20%

Low financial resilience

In 2024, 20 per cent of adults in West Suffolk 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.

9,640

In financial difficulty

In 2024, 9,640 adults in West Suffolk 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.

155,732

Residents aged 16 and over

The estimated population aged 16 and over in West Suffolk was 155,732 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, 128,000 adults in West Suffolk held at least one credit or loan product. In 2024, 69 per cent of adults in West Suffolk held a credit card (now or in the previous 12 months). In 2024, 34,100 adults in West Suffolk were overdrawn on a current account.

Frequently asked questions

How many adults in West Suffolk held at least one credit or loan product in 2024?

In 2024, 128,000 adults in West Suffolk held at least one credit or loan product.

What share of adults in West Suffolk held a credit card in 2024?

In 2024, 69 per cent of adults in West Suffolk held a credit card (now or in the previous 12 months).

How many adults in West Suffolk were overdrawn on a current account in 2024?

In 2024, 34,100 adults in West Suffolk were overdrawn on a current account.