People living in and around Coldstream have the highest level of personal loan debt per person than anywhere else in Scotland.
Figures released by major bankers show a breakdown of more than 9,000 postcodes, to show how people rely on lending.
The TD124 postcode, which covers Coldstream, Cornhill-on-Tweed and Mindrum, is eighth on the list, and is the only Scottish area included in the top ten.
Here are the postcode areas which owe the highest amounts in personal loans per person according to the findings, with the amount owed per head:
LS17 0 Leeds, £1,516
M3 3, Manchester, £1,408
PR7 7, Preston, £1,270
CH47 0, Chester, £1,238
SA7 0, Swansea, £1,222
HU1 3, Hull, £1,214
MK9 4, Milton Keynes, £1,205
TD12 4, Galashiels, £1,204
MK42 6, Milton Keynes, £1,182
NE13 9, Newcastle upon Tyne, £1,156