How does the average credit score compare across the UK?

Your credit score can be a big factor when it comes to securing car finance and having a bad one may prevent you from financing a car from certain lenders.

It’s calculated on a number of factors relating to your financial history and shows how reliable you are when it comes to paying back loans, such as when taking out finance on a car.

But does where you live have an impact on your credit score? Here’s how much the average credit score varies up and down the country.

Explore Data

The Best The Worst

Areas with the best credit scores

1 - 877

City of London

Taking the top spot with the highest credit rating in the whole country is the City of London, situated in the heart of the capital. Also known as the ‘Square Mile’, the City of London is the financial centre of the whole country, so in a way, it makes sense that those living in the area have the highest credit score on average.

2 - 864

Wokingham

Outside of London, the area with the highest average credit score was Wokingham. The market town in Berkshire is only 37 miles out of London and many of the areas with high scores were similarly located in the South East, in affluent commuter towns.

3 - 862

Chiltern

Like Wokingham, Chiltern is another area located in the South East, just outside the capital and popular with those commuting into the city, with towns such as Amersham and Chesham sitting on the fringe of the London Underground network. Named after the Chiltern Hills which the area sits on, the average credit score in the area is 862.

Areas with the worst credit scores

1 - 679

Kingston upon Hull

At the other end of the scale, it was Kingston upon Hull which had the worst credit score in the country, with 679. Many northern towns and cities fell toward the bottom of the list, including this port city located at the point where the River Hull meets the Humber Estuary.

2 - 681

Blaenau Gwent

The area with the second-lowest credit score in the country was Blaenau Gwent, located in Wales. Like the north of England, credit scores in Wales were generally lower than the national average of 784, including this part of South Wales.

3 - 693

Blackpool

Another northern town came in third when it came to the lowest credit scores and again, it was one found on the coast. Blackpool, the seaside resort known for its Pleasure Beach and Tower has an average score of 693.

All Areas

Key: Rank Local Authority Region Average credit score

How does your credit score
affect vehicle financing?

Your exact options when it comes to vehicle finance will vary on a number of different factors, but your credit score is definitely one of them.

Your credit score can generally be categorised into the following four brackets:

Excellent	961-999
Good	881-960
Fair	721-880
Poor	0-720

As you can see the average score in each area of the UK falls within either ‘Good’ or ‘Fair’, but does that mean you can’t get finance if your score falls below this?

Fortunately, that’s not the case as while some lenders might be reluctant to approve you, special bad credit car finance lenders like Moneybarn can help.

How does the average credit score compare across the UK?

Areas with the best credit scores

City of London

Wokingham

Chiltern

Areas with the worst credit scores

Kingston upon Hull

Blaenau Gwent

Blackpool

All Areas

The regions with the best
and worst credit scores

How does your credit score
affect vehicle financing?

Methodology

How does the average credit score compare across the UK?

Areas with the best credit scores

City of London

Wokingham

Chiltern

Areas with the worst credit scores

Kingston upon Hull

Blaenau Gwent

Blackpool

All Areas

The regions with the best and worst credit scores

How does your credit score affect vehicle financing?

Methodology

The regions with the best
and worst credit scores

How does your credit score
affect vehicle financing?