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Debt consolidation loan

Simplify your debts with a debt consolidation loan

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.

What is a debt consolidation loan?

Got debts in different places? With a debt consolidation loan, you could roll them into just one monthly payment.

Why get a debt consolidation loan?

Easier

Take control of your money now with just one monthly payment for your debts.

Fixed payment

Relax, your payments are fixed. So, you pay the same amount each month.

Roll your debt together

Use your debt consolidation loan to pay off other loans, credit cards, and overdraft debt.

Debt consolidation loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

How long would you like to borrow for?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly repayment

£137.55

Total repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest rate

3.9

% p.a.

(Fixed)

The rate you pay depends on your circumstances, loan amount and term and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.

How long could you borrow for?

You could pay back your debt consolidation loan over one to eight years.

Get your free personalised quote

Find out if we're likely to say 'yes' before you apply and how much your loan could cost you. Don't worry - a quote takes minutes and won't affect your credit score.

It's easy to manage your debt consolidation loan

We make it easy to manage your loan, so you're in control:

Pay us back early, if you want

You'll just need to pay a fee.

Make overpayments

Chip away at your balance as and when you can.

Use our quick and simple app

Everything you need in one place.

Change your payment date

Just give us a call and we’ll update your Direct Debit.

Manage your Rewards
Get cash without your debit card
Check your credit score via the mobile app
Manage your overdraft

Can I pay off my loan early?

Debt Consolidation Loan FAQs

Are you ready to apply?

We'll start with your free quote

At the start of your application, we’ll usually let you know if you could get a loan – and your personalised rate – without affecting your credit score. It’s then up to you if you want to go ahead.

To apply online, you'll need to:

  • Be 18+ and a UK resident.
  • Not have been declared bankrupt in the last six years.
  • Not have applied for a loan with us in the last 28 days.

Sounds good so far? Just a bit more info to get through:

Ready to apply?

Are you a NatWest customer?
What device are you using?
Are you using a mobile, or something else, to apply for a loan?
Is our app on the device you're using right now?
The NatWest app is the easiest way for you to apply for a loan. Do you have it on this device?
Are you applying on your own?

Great, let's get started

When you tap "Log in and apply", we'll take you to our app to start your application. 

Just so you know...

You can only apply if you have two loans or fewer with us. More than two loans? You'll need to pay one off before you apply.

A quick heads-up before you apply...

To apply for a joint loan applicants must both:

  • Be 18+ and a UK resident.
  • Have your own mobile number and email address.
  • Have had a NatWest current account for 3 months+.
  • Have our app - you'll use it to apply.
  • Not have been declared bankrupt in the last 6 years.
  • Not have applied for a loan in the last 28 days.

Are you applying first? You'll need to know:

  • Both your addresses.
  • Both your incomes and outgoings (how much you spend).
Do you have NatWest Online Banking?
If you know your Online Banking details we can pre-fill some of your info - making the application process faster.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Apply for a loan’ (under ‘Ready to apply?’).

Log in and apply

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose 'Apply for a loan’ (under ‘Ready to apply?’).

Log in and apply

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest debit card, if you have one.

We'll start with a free quote...

  • We’ll let you know if you can get a loan and what it could cost.
  • If you go ahead, our partner Mitek will check your photo ID.
  • (Not got your photo ID to hand? You can do this step later.)

We'll start with a free quote...

  • We’ll let you know if you can get a loan and what it could cost.
  • If you go ahead, our partner Mitek will check your photo ID.
  • (Not got your photo ID to hand? You can do this step later.)