Debt consolidation loans

Take control of your finances with a debt consolidation loan

Representative 3.4% APR

How to consolidate debt with a personal loan

A debt consolidation loan could be used to pay off existing credit cards, store cards and other personal loans. 

You could consolidate all your debt into the one personal loan and only have one payment to make each month. 

Taking on any new debt is a big decision; extending the term of your debt can incur more interest and cost more in the long run and sometimes an early repayment charge may apply. 

Tips to manage your debt

Write it down

Make a note of all your current debt. Understand any outstanding balances, interest rates and any early repayment charges.

Read our guide

Think through all your options. Could your savings pay off some of your debt? Take a look at our guide.

Change your payment plan

If you are struggling with your monthly payments, you may be able to arrange a new payment plan or a 'repayment holiday'.

Calculate your loan repayments

Find out how much you'll need to pay back and how quickly you could pay off your debt with our debt calculator.

Debt consolidation loan calculator

Is the loan for home improvements?

How much would you like to borrow?

Home improvement loans of £7,500 or more are available over an extended term of up to 10 years.
Borrowing amounts of £7,500 or more are available over an extended term of up to 8 years.

How long would you like to repay?

Representative Example




1 year and & 0 months

Monthly repayment


Total repayment





(Annual Percentage Rate)
Interest rate


% p.a.


What happens next?

Find out if you'll be approved

Take a look at our Quick Quote tool to find out how likely you are to be accepted for a loan or go straight to 'Ready to apply'.

Start your application

In most cases you'll find out if you've been accepted in minutes.

Get a decision

If you use Online Banking, apply and are unconditionally accepted before 5.55pm Mon-Thur, the funds will be paid into your account the next working day.

Check if you're likely to be approved

Good news, there's no impact on your credit rating.

We'll show you how much you may be able to borrow, your personalised interest rate and monthly payments. 

Useful info

Is a personal loan for me?

Depending on what you need money for, a credit card or overdraft might be a better option. Our Borrowing Options tool will help you figure out what type of lending will suit you best. 

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First things first. You can apply if you:

  • are 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.
  • have not been declared bankrupt in the last 6 years
  • have not applied for a personal loan with us within the last 28 days

Click each link and read before you apply:

Important legal info

We want you to be sure this loan is right for you. So before you carry on, please take a look at our lending commitments. They explain what you can expect from us and what we ask of you.

Let's start. Do you have a NatWest current account?

Are you applying on your own?

Do you have and remember your Online Banking details?

By completing your application online, you agree that we may deliver your loan confirmation letter to you by sending it as a PDF to your Online Banking Mailbox. We may also send you copies of your pre contractual information and copy agreement to your Online Banking Mailbox.

Fantastic, let's get started

Okay, we'll take to you to our application form and you can choose how to receive your documents.

Let's get started

Do you have and remember your Online Banking details?

Great, log in to your account to get started.

Let's get started

Are you a NatWest credit card or mortgage customer?

Do you have and remember your Online Banking details?

Fantastic, let's get started

Let's get started

Sorry, our personal loan is for customers who already have one of our current accounts, credit card or mortgages.

Want to look at our current account range?