Borrowing estimates for Wirral, built from published survey rates and population figures.
An estimated 218,000 adults in Wirral 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 the North West held at least one credit or loan product (FCA Financial Lives 2024, adults aged 18 and over) applied to 262,160 adults aged 18 and over in Wirral (ONS mid-2024 population estimates, single-year ages summed).
An estimated 165,000 adults in Wirral 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 the North West held a credit card (FCA Financial Lives 2024, adults aged 18 and over) applied to 262,160 adults aged 18 and over in Wirral (ONS mid-2024 population estimates, single-year ages summed).
An estimated 62,900 adults in Wirral 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: 24% of adults in the North West were overdrawn on a current account (FCA Financial Lives 2024, adults aged 18 and over) applied to 262,160 adults aged 18 and over in Wirral (ONS mid-2024 population estimates, single-year ages summed).
An estimated 68,200 adults in Wirral 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 the North West had a residential mortgage (FCA Financial Lives 2024, adults aged 18 and over) applied to 262,160 adults aged 18 and over in Wirral (ONS mid-2024 population estimates, single-year ages summed).
An estimated 60,300 adults in Wirral 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: 23% of adults in the North West used buy now, pay later credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 262,160 adults aged 18 and over in Wirral (ONS mid-2024 population estimates, single-year ages summed).
An estimated 20,400 adults in Wirral held high-cost credit in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 7.8% of adults in the North West held high-cost credit (FCA Financial Lives 2024, adults aged 18 and over) applied to 262,160 adults aged 18 and over in Wirral (ONS mid-2024 population estimates, single-year ages summed).
An estimated 73,400 adults in Wirral had low financial resilience in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 28% of adults in the North West had low financial resilience (FCA Financial Lives 2024, adults aged 18 and over) applied to 262,160 adults aged 18 and over in Wirral (ONS mid-2024 population estimates, single-year ages summed).
An estimated 26,200 adults in Wirral were in financial difficulty in 2024.
Source: Estimate from FCA Financial Lives 2024 and ONS mid-2024 population estimates, Borrowing Data, 2024
Estimate: 10% of adults in the North West were in financial difficulty (FCA Financial Lives 2024, adults aged 18 and over) applied to 262,160 adults aged 18 and over in Wirral (ONS mid-2024 population estimates, single-year ages summed).
The estimated population aged 16 and over in Wirral was 272,141 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 218,000 adults in Wirral held at least one credit or loan product in 2024. An estimated 165,000 adults in Wirral held a credit card in 2024. An estimated 62,900 adults in Wirral were overdrawn on a current account in 2024.
An estimated 218,000 adults in Wirral held at least one credit or loan product in 2024.
An estimated 165,000 adults in Wirral held a credit card in 2024.
An estimated 62,900 adults in Wirral were overdrawn on a current account in 2024.