Research topic
Household debt, arrears and problem-debt indicators.
£1.8 billion
Net consumer credit borrowing was £1.8 billion in June 2026, split between £0.9 billion of credit-card borrowing and £0.9 billion of other consumer credit.
Source: Bank of England — Money and Credit — June 2026
Period: June 2026
Last checked: 12 August 2026
View original source8.3%
The annual growth rate of all consumer credit was 8.3% in January 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to January 2026
Last checked: 13 August 2026
View original source8.5%
The annual growth rate of all consumer credit was 8.5% in February 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to February 2026
Last checked: 13 August 2026
View original source8.9%
The annual growth rate of all consumer credit was 8.9% in March 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to March 2026
Last checked: 13 August 2026
View original source8.8%
The annual growth rate of all consumer credit was 8.8% in April 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to April 2026
Last checked: 13 August 2026
View original source9.0%
The annual growth rate of all consumer credit was 9.0% in May 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to May 2026
Last checked: 13 August 2026
View original source9.1%
The annual growth rate of all consumer credit was 9.1% in June 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to June 2026
Last checked: 13 August 2026
View original source12.1%
The annual growth rate of credit-card lending was 12.1% in February 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to February 2026
Last checked: 13 August 2026
View original source12.3%
The annual growth rate of credit-card lending was 12.3% in March 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to March 2026
Last checked: 13 August 2026
View original source11.8%
The annual growth rate of credit-card lending was 11.8% in April 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to April 2026
Last checked: 13 August 2026
View original source12.2%
The annual growth rate of credit-card lending was 12.2% in May 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to May 2026
Last checked: 13 August 2026
View original source12.5%
The annual growth rate of credit-card lending was 12.5% in June 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to June 2026
Last checked: 13 August 2026
View original source7.6%
The annual growth rate of other consumer credit (excluding credit cards) was 7.6% in June 2026.
Source: Bank of England — Money and Credit — June 2026
Period: 12 months to June 2026
Last checked: 13 August 2026
View original source21.17%
The effective interest rate on interest-charging overdrafts was 21.17% in June 2026.
Source: Bank of England — Money and Credit — June 2026
Period: June 2026
Last checked: 13 August 2026
View original source9.67%
The effective interest rate on new personal loans was 9.67% in June 2026.
Source: Bank of England — Money and Credit — June 2026
Period: June 2026
Last checked: 13 August 2026
View original source21.49%
The effective interest rate on interest-charging credit cards was 21.49% in June 2026.
Source: Bank of England — Money and Credit — June 2026
Period: June 2026
Last checked: 13 August 2026
View original source0.25%
The Bank of England's official Bank Rate changed to 0.25% with effect from 16 December 2021.
Source: Bank of England — Official Bank Rate history
Period: Effective 16 December 2021
Last checked: 13 August 2026
View original source0.5%
The Bank of England's official Bank Rate changed to 0.5% with effect from 3 February 2022.
Source: Bank of England — Official Bank Rate history
Period: Effective 3 February 2022
Last checked: 13 August 2026
View original source0.75%
The Bank of England's official Bank Rate changed to 0.75% with effect from 17 March 2022.
Source: Bank of England — Official Bank Rate history
Period: Effective 17 March 2022
Last checked: 13 August 2026
View original source1%
The Bank of England's official Bank Rate changed to 1% with effect from 5 May 2022.
Source: Bank of England — Official Bank Rate history
Period: Effective 5 May 2022
Last checked: 13 August 2026
View original source1.25%
The Bank of England's official Bank Rate changed to 1.25% with effect from 16 June 2022.
Source: Bank of England — Official Bank Rate history
Period: Effective 16 June 2022
Last checked: 13 August 2026
View original source1.75%
The Bank of England's official Bank Rate changed to 1.75% with effect from 4 August 2022.
Source: Bank of England — Official Bank Rate history
Period: Effective 4 August 2022
Last checked: 13 August 2026
View original source2.25%
The Bank of England's official Bank Rate changed to 2.25% with effect from 22 September 2022.
Source: Bank of England — Official Bank Rate history
Period: Effective 22 September 2022
Last checked: 13 August 2026
View original source3%
The Bank of England's official Bank Rate changed to 3% with effect from 3 November 2022.
Source: Bank of England — Official Bank Rate history
Period: Effective 3 November 2022
Last checked: 13 August 2026
View original source3.5%
The Bank of England's official Bank Rate changed to 3.5% with effect from 15 December 2022.
Source: Bank of England — Official Bank Rate history
Period: Effective 15 December 2022
Last checked: 13 August 2026
View original source4%
The Bank of England's official Bank Rate changed to 4% with effect from 2 February 2023.
Source: Bank of England — Official Bank Rate history
Period: Effective 2 February 2023
Last checked: 13 August 2026
View original source4.25%
The Bank of England's official Bank Rate changed to 4.25% with effect from 23 March 2023.
Source: Bank of England — Official Bank Rate history
Period: Effective 23 March 2023
Last checked: 13 August 2026
View original source4.5%
The Bank of England's official Bank Rate changed to 4.5% with effect from 11 May 2023.
Source: Bank of England — Official Bank Rate history
Period: Effective 11 May 2023
Last checked: 13 August 2026
View original source5%
The Bank of England's official Bank Rate changed to 5% with effect from 22 June 2023.
Source: Bank of England — Official Bank Rate history
Period: Effective 22 June 2023
Last checked: 13 August 2026
View original source5.25%
The Bank of England's official Bank Rate changed to 5.25% with effect from 3 August 2023.
Source: Bank of England — Official Bank Rate history
Period: Effective 3 August 2023
Last checked: 13 August 2026
View original source5%
The Bank of England's official Bank Rate changed to 5% with effect from 1 August 2024.
Source: Bank of England — Official Bank Rate history
Period: Effective 1 August 2024
Last checked: 13 August 2026
View original source4.75%
The Bank of England's official Bank Rate changed to 4.75% with effect from 7 November 2024.
Source: Bank of England — Official Bank Rate history
Period: Effective 7 November 2024
Last checked: 13 August 2026
View original source4.5%
The Bank of England's official Bank Rate changed to 4.5% with effect from 6 February 2025.
Source: Bank of England — Official Bank Rate history
Period: Effective 6 February 2025
Last checked: 13 August 2026
View original source4.25%
The Bank of England's official Bank Rate changed to 4.25% with effect from 8 May 2025.
Source: Bank of England — Official Bank Rate history
Period: Effective 8 May 2025
Last checked: 13 August 2026
View original source4%
The Bank of England's official Bank Rate changed to 4% with effect from 7 August 2025.
Source: Bank of England — Official Bank Rate history
Period: Effective 7 August 2025
Last checked: 13 August 2026
View original source3.75%
The Bank of England's official Bank Rate changed to 3.75% with effect from 18 December 2025.
Source: Bank of England — Official Bank Rate history
Period: Effective 18 December 2025
Last checked: 13 August 2026
View original source£4.79 billion
Total domestic energy debt and arrears in the Great Britain energy market reached £4.79 billion.
Source: Ofgem — Consumer vulnerability strategy progress report
Period: Q1 2026
Last checked: 12 August 2026
View original source£4.55 billion
Total domestic energy customer debt and arrears existing more than 91 days was £4.55 billion in Q4 2025.
Source: Ofgem — Debt and arrears indicators
Period: Q4 2025
Last checked: 13 August 2026
View original source851,701
851,701 domestic electricity customers in Great Britain were repaying an energy debt under a repayment arrangement in Q1 2026 — 2.9% of electricity customers.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source2.9%
2.9% of domestic electricity customers in Great Britain were repaying an energy debt in Q1 2026.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source709,838
709,838 domestic gas customers in Great Britain were repaying an energy debt under a repayment arrangement in Q1 2026 — 2.9% of gas customers.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source2.9%
2.9% of domestic gas customers in Great Britain were repaying an energy debt in Q1 2026.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source1,132,348
1,132,348 domestic electricity customers in Great Britain were in arrears without a repayment arrangement in Q1 2026 — 3.8% of electricity customers.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source3.8%
3.8% of domestic electricity customers in Great Britain were in arrears without a repayment arrangement in Q1 2026.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source908,840
908,840 domestic gas customers in Great Britain were in arrears without a repayment arrangement in Q1 2026 — 3.7% of gas customers.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source3.7%
3.7% of domestic gas customers in Great Britain were in arrears without a repayment arrangement in Q1 2026.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source£828
The average electricity debt held by domestic customers on a repayment arrangement in Great Britain was £828 in Q1 2026.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source£679
The average gas debt held by domestic customers on a repayment arrangement in Great Britain was £679 in Q1 2026.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source40%
40% of domestic electricity customers repaying an energy debt in Great Britain were on a prepayment meter in Q1 2026.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original source37%
37% of domestic gas customers repaying an energy debt in Great Britain were on a prepayment meter in Q1 2026.
Source: Ofgem — Debt and arrears indicators
Period: Q1 2026
Last checked: 13 August 2026
View original sourceFifty verified official statistics on cost of living, inflation, incomes and savings, Universal Credit, disability support, rent, energy debt and consumer credit. Each record carries its original source, reference period and last-checked date.
uk · 2026 reference periods (see each record) · Updated 12 August 2026
Source: Office for National Statistics, Department for Work and Pensions, Ofgem and Bank of England — Official UK statistical releases, compiled by SupportFund
Period: 2026 reference periods (see each record)
Last checked: 12 August 2026
SupportFund, UK Household Finance Statistics 2026, accessed 6 September 2026. https://supportfund.co.uk/media/data/debt
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