One in three people (33%) feel their current financial situation is having a negative impact on their mental health, the survey found.
A similar proportion (31%) said their financial situation was having a negative impact on their mental wellbeing, according to research by HSBC UK.
The publication of the survey results will coincide with Debt Awareness Week (March 18-24).
Almost one in four (24%) of people who have used non-mortgage credit say the main reason they took out their most recent loan was to cover everyday living expenses.
A fifth (19%) said their most recent loan was due to an unexpected expense.
Credit cards were the most common form of borrowing among those surveyed, followed by personal loans, overdrafts, pay later (BNPL) schemes.
Some took out informal loans from friends and family.
Only about half (51%) of borrowers said they knew the current interest rate on their debt.
One in nine (11%) had consolidated their debt into one place to make it more manageable.
Six in 10 (60%) of those surveyed said they were confident in their financial resilience and ability to cope with unexpected expenses over the next 12 months.
And just over half (52%) said they were confident they could meet their financial goals next year.
The survey found that paying off debt was the most common long-term financial goal, followed by saving for a major purchase other than a home, retiring early and forgiving the mortgage and saving for a home purchase. It continued.
The census surveyed 2,000 people across the UK in March.
Madhu Kejriwal, head of unsecured lending at HSBC UK, said: 'If you feel like your financial situation is having an impact on your mental or emotional health, you're not alone.
“Contacting your bank is a great place to start. From free ‘always on’ webinars to one-on-one financial health checks for customers and non-customers, we can help.
“Free and impartial advice from organizations like StepChange Debt Charity can also be helpful if you have debt from multiple providers.”
The government-backed MoneyHelper website has tools to help people manage their money, and the website helpforhouseholds.campaign.gov.uk has information about support for living costs.
