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Struggling financially

Having money worries? Trying to get by on less? Struggling with payments and debts? You’ve come to the right place. Now let’s find you the help you need to get back on track…

Struggling to pay? Find out how we can help.

If you’ve missed a payment on your loan, mortgage or credit card (or you know you’re about to) please tell us ASAP. The same goes if you’re struggling to pay off your overdraft – the sooner you let us know, the sooner we can try to help you sort things out.

Have you already missed a payment?
Please only answer ‘Yes’ if you’ve already missed a payment. If you haven’t yet, please answer ‘No’.
Which payment have you missed?
Please select the product for which you have missed a payment.
What would you like to do?
If you can pay now, please do – as the sooner this is sorted out the better. If not, you can reach out for some help.

How to pay

You can pay using your mobile app. Select the loan account you’ve missed a payment for and then choose the option ‘Pay off arrears’.

Or you can pay by credit or debit card by selecting 'Pay now' below. To complete the payment, enter your loan account details and the outstanding amount. It can take up to five days for the payment to be processed.

Chat to Cora

If you’re struggling with your repayments, please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page. Type ‘Struggling financially’ to get the conversation started and we’ll chat to you about your situation to find the best option for you.

Free, confidential advice

As well as speaking to us, you may like to get some free, independent advice. There are lots of debt advice organisations and charities out there who offer free, confidential support. They can work with you put together a personalised action plan to help you get back in control.

Further down this page we have pulled together a list of charities that may be helpful to you. Scroll down to have a look.

What would you like to do?
If you can pay now, please do – as the sooner this is sorted out the better. If not, you can reach out for some help.

How to pay

You can pay using your mobile app by going to your mortgage account, selecting ‘Manage a missed payment’ and then ‘Pay now’.

Or you can settle your missed payment in the ‘Manage my Mortgage’ portal.

Click the ‘Manage my Mortgage’ button below and log in with your mortgage account number.

For your security, we’ll send a one-time passcode to your registered mobile number.

Go to ‘My payments and services’ and select ‘Make a missed mortgage payment or manual mortgage payment’ and you’ll see the option to make your missed payment.

Chat to Cora

If you’re struggling with your repayments, please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page. Type ‘Struggling financially’ to get the conversation started and we’ll chat to you about your situation to find the best option for you.

Free, confidential advice

As well as speaking to us, you may like to get some free, independent advice. There are lots of debt advice organisations and charities out there who offer free, confidential support. They can work with you put together a personalised action plan to help you get back in control.

Further down this page we have pulled together a list of charities that may be helpful to you. Scroll down to have a look.

What would you like to do?
If you can pay now, please do – as the sooner this is sorted out the better. If not, you can reach out for some help.

How to pay

You can pay using your mobile app. Select the credit card you’ve missed a payment for, then choose the option ‘Pay my card’ and follow the instructions.

You can also pay via online banking by selecting ‘Pay credit card’ on the right-hand side of your credit card account info. You can click the button below to log in.

Chat to Cora

If you’re struggling with your repayments, please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page. Type ‘Struggling financially’ to get the conversation started and we’ll chat to you about your situation to find the best option for you.

Free, confidential advice

As well as speaking to us, you may like to get some free, independent advice. There are lots of debt advice organisations and charities out there who offer free, confidential support. They can work with you put together a personalised action plan to help you get back in control.

Further down this page we have pulled together a list of charities that may be helpful to you. Scroll down to have a look.

What would you like to do?
If you can pay now, please do – as the sooner this is sorted out the better. If not, you can reach out for some help.

How to pay

You can make this payment through your mobile app: Log into the NatWest app and tap on the account you want to transfer the money from, then ‘make a transfer’ and select your overdraft account.


You can also do this via Online Banking by selecting “Make a payment” on the right hand side of your current account information.


You can log in to Online Banking following the link below.

Chat to Cora

If you’re struggling with your repayments, please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page. Type ‘Struggling financially’ to get the conversation started and we’ll chat to you about your situation to find the best option for you.

Free, confidential advice

As well as speaking to us, you may like to get some free, independent advice. There are lots of debt advice organisations and charities out there who offer free, confidential support. They can work with you put together a personalised action plan to help you get back in control.

Further down this page we have pulled together a list of charities that may be helpful to you. Scroll down to have a look.

Here's what to do next

If you have missed a payment on more than one of your accounts, please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page. Type ‘Struggling financially’ to get the conversation started and we’ll chat to you about your situation to find the best option for you.

What would you like to do?

Help with money troubles

If things are tight and you're worried about managing your money, there's support available depending on your circumstances. Please check out our information below to find out more.

Free, confidential advice

As well as speaking to us, you may like to get some free, independent advice. There are lots of debt advice organisations and charities out there who offer free, confidential support. They can work with you put together a personalised action plan to help you get back in control.

Further down this page we have pulled together a list of charities that may be helpful to you. Scroll down to have a look.

Please call us asap

If you know you’re going to miss an upcoming payment, please give us the heads-up by calling us on one of these numbers.

Mortgages: 0800 161 5911 (Relay UK 18001 0800 161 5911)

Loans: 0800 068 9816 (Relay UK 18001 0800 068 9816)

Credit Cards: 0800 068 0076 (Relay UK 18001 0800 068 0076)

I need help with...

Getting by on less

The rising cost of living is squeezing pockets everywhere. If you’re feeling the pinch you’re not alone. Here are some savvy tips and tools to help you make your money stretch further – so even if you’re getting by on less, you could make it count for more. 

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Banking My Way

Banking My Way is a free service that allows you to record information about the support or adjustments you need to make banking easier. The Banking My Way service is available to customers aged 16 or over in the mobile app or Online Banking.

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Financial abuse

Financial (or economic) abuse is when someone takes or uses your money or belongings for their own gain. It can include being defrauded, intimidated, tricked or exploited. If this is happening to you, we could help you take back control of your finances. 

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Caring for someone

Whether they need help 24/7 – or for a few hours a week, caring for loved ones can have a big impact on your life, freedom and finances. If you’re one of the UK’s many millions of carers and you’re feeling overstretched, we could help. 

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Bereavement and loss

Coping with loss can be difficult enough, but there’s often a flurry of tasks and admin you need to deal with, when it’s the last thing you feel like doing. We’ve created a checklist to help you take the right steps, in the right order. 

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Separation and divorce

One of the messy parts of breaking up with someone is divvying up your possessions and separating out your finances. We’ve put together some guidelines to help you do this correctly, systematically – and hopefully, as painlessly as possible.

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Debt consolidation

A debt consolidation loan is a type of personal loan that helps you manage your debts.  It works by pulling everything you owe into one place.  These loans aim to help those with multiple credit commitments to keep track of.

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Gambling problems

Worried about how much you're spending on gambling? Is it affecting on your health or relationships? See our checklist for signs you may have a gambling problem and check out our useful self-help tools.

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Tips and tools to help you

Financial Health Check

Our free Financial Health Check is a series of questions you can fill in on your own time. At the end, we will share lots of hints and tips that could help you achieve your goals. You can also book in with one of our highly trained Senior Personal Bankers over video or phone, if you’d prefer to speak to someone.

Spending Tracker

If you’re feeling a bit stuck with money, this handy app tool can show you where there’s wiggle room. It sorts your spending into 12 categories – like bills, groceries and transport – then it pulls out personalised insights to help you budget better. It can even help you set spending targets.

Budget calculator

Want to get a clearer picture of your money situation? Our budget calculator is designed to help you work out what you’ve got coming in (e.g. wages and benefits) what’s going out (e.g. bills and expenses) and how much you’ve got left over.

Free, confidential money advice

As well as speaking to us about your money worries, you may like to get some independent debt advice. We’re partnered with PayPlan (a third-party company) whose friendly service is completely free of charge. They can work with you to put together a personalised action plan to help you get back in control of your finances. 

Who else can help you?

If you're having money troubles, as well as speaking to us, you can get free independent advice from some of the helpful organisations and charities listed below.

Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Helper
Free advice on debt, divorce/separation, setting up a new home, care & disability.

StepChange
Contact StepChange if you'd like free expert debt advice.

 

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Shelter
Helping people facing urgent housing issues.

National Debt Line
Free and confidential advice on debt.

 

 

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Frequently asked questions

What else can we help you with?