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It's important to check all of the other options available and make sure you're making the right choice.
Both can lead to lowering payments but are completely different ways of dealing with debt.You can find out more and set your own preferences here. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.Available to existing Nat West current account customers over 18.Consolidating debt usually involves taking out new credit to pay off existing credit.
Most people do this to reduce the interest rate on their debt, to bring down their monthly payment amount or to reduce the number of companies they owe money to.
In Scotland you can arrange a Debt Payment Programme from the Debt Arrangement Scheme.