Brits have around £1,000 more in outstanding debt than a year ago, says Tesco Bank.
The average balance has now reached £5,400, rising to £6,500 for those aged 35 to 54, an increase of 31 per cent compared to £4,928 last year.
Borrowers aged 55 and over also now owe £4,812 on average, up from £4,327 12 months ago.
The East Midlands is the debt capital of the UK, with people owing an average of £8,000, ahead of Yorkshire and the Humber (£5,802) and London (£5,755).
Burden: The average debt balance has now reached £5,400, rising to £6,500 for those aged 35-54, an increase of 31% compared to £4,928 last year.
Unsecured loans include credit card debt, overdrafts, and payday loans.
Mamta Shanbhag, head of lending at Tesco Bank, says: “Addressing monetary concerns now is the best way to put your best foot forward by 2025.”
geoff.ho@dailymail.co.uk