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Hamburg consumers who take out an installment loan are already most heavily indebted in the federal state comparison with an average of more than 24,000 euros.
The net income is also the highest at around 2260 euros.
This was the result of an evaluation by Verivox, which is available to WELT AM SONNTAG.
The basis was data on installment loans that consumers had applied for and taken out via Verivox in the past year.
They had to state their income and existing liabilities.
After Hamburgers, Saarlanders and Baden-Württemberg residents have the highest debts on average.
Nationwide, these are 22,669 euros.
Only in Saxony do borrowers have an average of less than 20,000 euros in existing liabilities.
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At the same time, consumers in the Free State have the second lowest income.
In the five federal states with the lowest debt levels, the average net earnings are below 2000 euros.
Consumers from Brandenburg, Hamburg, Schleswig-Holstein and Mecklenburg-Western Pomerania also take out significantly more loans than the national average.
The Bavarians and the Saxons are the least likely to take out loans.
Of the consumers who applied for an installment loan through Verivox in 2020, 21 percent already had at least one further ongoing financing. This means that the proportion of those interested in loans with existing liabilities has risen by around a fifth year-on-year.