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.
To apply, you must be 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.
Tips to manage your debt
Write it down
Read our guide
Change your payment plan
What happens next?
Find out if you'll be approved
Start your application
Get a decision
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.
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, you can apply online 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)
- have not been declared bankrupt in the last 6 years
- have not applied for a personal loan with us within the last 28 days