Cost of Living
Use our tool to find the top ways you could borrow money.
Let us know so we can show relevant options.
This helps us know what borrowing options, tools and support we can show you.
Current account
Overdraft
Credit card
Loan
Mortgage
Something else
Tell us if you’re borrowing for something specific, or you just want to see your options.
Borrow for something specific
Explore all borrowing options
We’ll show relevant borrowing options based on your answer.
A large purchase
Home improvement
Merge your existing borrowing
A wedding
A holiday
An unexpected emergency
Everyday spending
Whether you’re looking to borrow for something new or need help or want to change your existing borrowing, we’ve hopefully got you covered. Just let us know what you’re looking to do.
Find helpful tools or information for existing borrowing
Increase, decrease or save on existing borrowing
Merge all my borrowing
Unexpected Emergency
Choose the adjustments you want to make to your existing borrowing below.
Reduce borrowed amount
Increase borrowed amount
Save on repayments
Consolidate all debt
Not sure how much you need? Select ‘no’ below and we’ll work it out based on your estimated costs.
More than £{morethanamount} inline
Add in the costs, and we’ll do the maths.
Let us know if you have a mortgage, even if it’s not with Royal Bank of Scotland. Knowing this could open up more borrowing opportunities.
You’re only able to borrow over £50,000 if you have a mortgage. You told us you don't have a mortgage, so please reduce the amount you want to borrow.
Choose how long you want to take to repay.
More than {morethanyear} years. inline
You can adjust any of your answers using the edit (pencil) button.
If you give us your email address we'll send you a copy of your borrowing needs result.
Scroll through this page to see all the results that best match your answers.
They’re not in any order of priority, and you may find that other borrowing options suit your needs better.
Edit your answers to update these results.
Sometimes getting creative and finding ways to save is a better option than taking on additional debt. Become a customer and get access to our spending and budgeting tools. These help you take manageable steps towards your goals.
Get on top of things by keeping track of where each penny goes in our app. Then set a budget to better manage that money. Eligibility criteria applies.
Keep your eye on the prize by setting up a savings goal (or two) in our app. It helps current customers know how much to save each month. Eligibility criteria applies.
Scroll through this page to see all the different ways to reduce the amount you’ve borrowed.
Scroll through this page to see all the different ways to increase the amount you’ve borrowed.
Scroll through this page to see all the different ways to reduce your repayments.
Scroll through this page to see all the ways you could turn multiple repayments into one.
Got debts in different places? You could roll them into just one monthly payment with a debt consolidation loan.
Simplify multiple debt repayments with a single loan payment.
Use our calculator below to see what your repayments could look like. Or get a personalised quote by following the “Get a personalised quote” button below the calculator – this won’t affect your credit score.
Got debts in different places? With a debt consolidation loan, you could roll them into just one monthly payment.
Is a debt consolidation loan right for you? It may not be enough to cover all your debts. If so, you'll still have debt in more than one place. You may have to pay an early repayment charge. Plus, if you borrow money for longer, you could pay more interest, costing you more overall.
Must be 18+, a UK resident, have a Royal Bank of Scotland current account that’s at least 3 months old, not declared bankrupt in the last six years, and not applied for a loan with us in the last 28 days to apply.
Representative 7.1% APR. This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates.
The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size.
You can make overpayments or pay off your loan early, subject to early repayment charges.
To apply, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months). You can't have been declared bankrupt for last six years and not have applied for a loan with us in the last 28 days.
You can now check your credit score quickly and easily from our app.
Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion. Mobile app criteria applies.
Here are the results that best match your answers.
The sooner you let us know you’re struggling to pay off your overdraft, the sooner we can try to help you sort things out.
Times are tough - you’re not alone if you’re feeling the pressure. Discover ideas that could make you feel more in control and help your money go further.
Sometimes people struggle financially and it can be difficult to ask for support. We’re here to help and give you extra support.
If you’re having money troubles, as well as speaking to us, you can get free, independent advice from helpful organisations and charities.
Spend up to an agreed limit and repay later. Or transfer a balance from a credit card with a different bank.
An arranged limit that lets you spend a bit more money than you have in your current account.
Borrowing more, or additional borrowing, is when you increase the size of your NatWest mortgage.
Increase the size of your mortgage when you remortgage with, or to, NatWest.
Borrow a specific amount of money that you repay over an agreed period of time.
Pay off eligible credit card purchases over a term which best suits you.
