Fresh Start Debt Support
Considering a NatWest consolidation loan? Learn how it works, eligibility and APRs, the pros & cons, red flags — and safer alternatives like IVAs, DMPs or DROs.
✅ Start Free Debt CheckQuick answer: A NatWest consolidation loan can tidy multiple debts into one fixed payment — but it won’t reduce your total balance and you’ll still pay interest. If you’re already struggling or have late payments, a loan may be declined or expensive. We’ll help you compare whether a IVA, DMP or DRO could freeze interest, stop most enforcement and even write off unaffordable debt after completion.
Start My Free Debt CheckYou might be juggling credit cards, loans and overdrafts and want fewer payments, a single lender, or a lower rate. A NatWest consolidation loan can be useful if you qualify at a sensible APR and can comfortably afford the fixed payment. If your income is tight or you’ve missed payments, a loan can be rejected or come with a high rate — and may make things worse.
Check If a Loan or IVA/DMP/DRO FitsA NatWest consolidation loan is a personal loan used to pay off multiple existing debts so you have one new fixed monthly repayment to NatWest.
It simplifies cashflow, but doesn’t reduce your total debt like some formal solutions can.
There’s no legal protection against other creditors with a loan. In contrast, options like an IVA or DRO usually freeze interest and stop most enforcement once approved.
Start Free ComparisonIf your budget is tight, a loan can increase pressure. It’s vital to compare with solutions that freeze interest and enforce affordability.
See My Best RouteExact offers change and depend on your individual credit checks, income and term. Always verify the current representative example and maximum APR on NatWest’s site before applying.
If your score is already damaged or you’ve missed payments, speak to us before applying. We’ll show you if an IVA, DMP or DRO suits you better.
Check My EligibilityAPR depends on your credit profile, loan size and term. Even a modest APR over a long term can lead to a large total repayable. Always compare:
Long-term cost warning: Consolidating to a longer term can cut the monthly payment but significantly increase interest paid overall. Run the numbers before you apply.
Compare APR vs IVA/DMP/DROIn these cases, formal options can be safer: they’re built around what you can afford and often freeze interest and stop most enforcement once approved.
These routes prioritise affordability and protection:
We’ll compare all options side by side so you can decide safely.
Compare All My OptionsNatWest loan: Full balance repayable with interest; no legal protection. IVA: Legal protection, interest typically frozen, and remaining qualifying unsecured debt may be written off after completion.
NatWest loan: New borrowing; fixed commitment. DMP: No new credit; affordable payments; interest often frozen by agreement; flexible if income changes (free via charities).
NatWest loan: Increases commitments. DRO: For low income & low assets; debts written off after 12 months if criteria remain met (with recent threshold/fee improvements).
NatWest loan: Repay in full with interest. Bankruptcy: Fastest reset but with restrictions; can be appropriate where repayment is unrealistic.
Answer these quick questions to see likely options:
Estimate how long repayments might take without help vs using a formal solution:
Review these trusted UK resources about debt options and consumer protections:
Use these alongside our free support so you know your rights and the safest route.
It can tidy payments and may reduce APR, but it doesn’t reduce your total debt. If affordability is tight, explore IVA/DMP/DRO first.
Yes, if repayments are unaffordable you could default, harm your credit further and face action. Compare all options before applying.
Yes. Applications leave a footprint on your credit file. Multiple applications in a short time can lower your score.
Approval is less likely and APRs may be higher. Consider solutions that freeze interest and stop most enforcement once approved.
Generally, yes — most unsecured debts (cards, loans, overdrafts, store cards, BNPL) can be included. We’ll check each creditor.
Debt solutions aim to protect essentials, but equity and high-value assets can affect terms. We’ll explain safeguards clearly.
Our guidance is free and confidential. Any third-party fees for formal solutions are disclosed in writing so you can decide confidently.
Loans depend on the term chosen. IVAs usually last 5–6 years; DROs 12 months; bankruptcy ~1 year to discharge; DMP length varies by affordability.
Ask a Question or Get HelpIf you qualify at a good APR and can afford the payment, a NatWest consolidation loan can simplify things. If you’re already stretched, a IVA, DMP or DRO may freeze interest, stop most enforcement and, in many cases, write off unaffordable debt after completion.
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