Loan or credit card?

[Longislandicedteaplease]

I need some advice on what to do and wondered if anyone here could help.

I owe roughly £1000 on various things and want to sort of consolidate this and pay it off in one hit if possible and then have one bill to pay for it.

I've explored a loan and a credit card.
I work, am single, have 2 children, rent my home, same address for 9 years, income £1400 monthly, credit rating is excellent.

I did a loan eligibility check last night for £1000 and had 0 chance on all, I checked with my bank and they could offer a £1000 loan at an APR of 24.9% which is steep.

I'm not sure why I can get none or such a crap offer with excellent credit but maybe one of you have an idea going by the details I've included here.
I have explored credit cards today and virgin money said they would accept me with an offer of 0% on spending, balance transfers and money transfers for 19months which to me would be perfect but they don't tell you the limit you would get so I could apply and the only get £500 which would dent my credit score and not be enough.
My bank said I had 95% chance of approval to a credit card but again no amount stated and its not guaranteed.

The things I owe are:
Very catalogue: £250 (buy now pay later til June 22)
Next account: £168
Credit cards (2): £277 + £45
Paypal: £250 (interest added from aug)

Do I continue to pay them all as I am now, go with the high Apr loan or risk the credit cards.

What do you think I should do? Please ask if any other info is needed to help decide.

Don't get the high interest loan. Also, the eligibility checkers aren't definite. I've been accepted from those which have a low chance and rejected from those which say 90%+ acceptance. Don't worry about the cost to your credit rating of being rejected. It's nowhere near as bad as people make out.

What's the current interest rate on those debts? If you can't reduce the interest rate, you might as well set up a load of standing orders or direct debits to pay off the debts as they are. Unless you can get an interest rate offer, there's no advantage to consolidation except to make you feel you've paid off your debts and risk running up more debts due to overspending/poor budgeting (this is very very common).

Have you looked at Moneysavingexpert? Have you really checked your budget to see if you can increase your income or reduce any expenses? You could make a small dent in those debts by changing your bank account for free money.

Have a look at the Money Makeover, do everything that's relevant and review your budget to see if you can free up any more spare money for the debts.

www.moneysavingexpert.com/family/money-help/

Who are your current credit card providers?

I would take Very out of the calculation, if it is BNPL then you aren't paying interest and can pay £25 a month from now to pay it off before interest is charged.