Our key findings from July 2026:
This latest report provides insight into the demographic and debt information of new clients who first received debt advice in July 2026. It also includes the latest insights on our website traffic trends
- The number of clients completing full debt advice in July 2026 is 15,715. This is two percentage points higher than June 2026 (15,457) and twelve percentage points higher than July 2025 (14,052).
- Lack of control over finances remains the most common reason for debt, selected by 18% of our clients in July 2026, which is unchanged from the previous month.
- One in ten (10%) clients selected ‘need credit to cover living costs’ as their main reason for debt in July 2026, which is two percentage points higher year-on-year versus July 2025 (8%).
- Almost three in four (73%) clients held credit card debt in July 2026, which is unchanged from June 2026 but is five percentage points higher than July 2025 (68%). The number of clients that hold personal loan debt continues to steadily grow, reaching 55% in July 2026. This is six percentage points higher than July 2025 (49%).
- One in four (25%) clients were in electricity debt in July 2026, which is one percentage point lower than June 2026 (26%) and two percentage points lower than July 2025 (27%).
- The proportion of clients who are single with children has steadily fallen. In July 2026, 22% of clients reported belonging to this family type, which is one percentage point lower than June 2026 (23%) and three percentage points lower than July 2025 (25%).
- Almost two in three (63%) clients were in some type of employment in July 2026, which is three percentage points higher versus July 2025 (60%).