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About Sainsbury's Bank Loans

As well as being the UK’s 2nd largest supermarket group, Sainsbury’s also offer fixed rate unsecured personal loans with generally very competitive APRs. The current typical APR is 6.5%. Sainsbury’s Bank is actually a joint venture between the supermarket group and the Bank of Scotland.  Currently Sainsbury’s Bank offers a fairly broad range of financial products including loans, of course, but also credit cards; car, home, life and travel insurance and various savings products.

A Sainsbury’s loan lets you borrow from as little as £1,000 up to a maximum of £25,000.  If you want to borrow more (or less) than this you’ll need to choose the “Compare” channel on this page.

You can apply for a Sainsbury’s loan online, in most cases receiving an instant decision.  Whilst the credit acceptance criteria isn’t as tight as some, our data still shows that over 85% of online applications for “high street” unsecured loans are rejected*, so you may want to make other applications (use our “Compare” channel to find other suitable lenders and apply online).  If you’re a homeowner with anything less than a perfect credit record you may be better off with a secured loan, or, if you’re borrowing a large amount, you may be better off extending your mortgage with a remortgage rather than borrowing an additional amount with a Sainsbury’s unsecured loan.

*Source: LoanExpert data, April-July 2006

Homeowners or tenants can apply online and if your loan application is accepted you could have your within 24 hours. You can use the loan for anything you like; consolidation of existing debts, a new car or home improvements are all popular choices.  Sainsbury’s Bank does not offer specific products for car loans or home improvement loans. You can pay a Sainsburys loan back in any period from 12 months to 84 months. You can also take a repayment holiday of 3 months at the start of your loan (beware though, you’ll still be paying interest from the start of your loan and you will increase the overall cost of your borrowing by not starting your repayments immediately).

By submitting this application you agree that:-

The information provided is true and accurate, and that Loan Expert may send the details of this application to an appropriate broker for the purposes of providing a loan. That broker may contact you for further information as required. We will not send your data to any other third party except those needed to provide the loan you have requested. We may contact you to inform you of parallel loan offers that might be of interest.

We will only hold the information you submitted in this application for as long as required to provide your lending requirement. Please let us know if you don’t wish to receive any further communication from us by writing to privacy@leadmarket.co.uk or by following the instructions in any of our communications to you. Otherwise you agree that we may from time to time keep you informed about other financial product offerings that we believe might be interesting such as alternative loan products that you might be able to switch to. You will be able to give us notice if you wish us to stop this communication at any time if you wish.

Loan Expert (and Lead Market Ltd Ltd.) do not provide any financial advice relating to mortgages or other products. None of the information in this website should be construed as financial advice.

Loan Expert provides this service free of charge but to support the website service we may receive fees or commissions from the brokers we refer you to. We are not tied to any particular broker or product.

Your data will be collected, processed and maintained outside the UK by Lead Market Ltd, registered under the data protection act. Loan Expert is a trading style of Lead Market Ltd Regina House, 124 Finchley Rd, London, NW3 5JS.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Loan Expert is a trading name of Media Ingenuity Ltd which is an Introducer Appointed Representative of Contact Insurance Ltd which is authorised and regulated by the Financial Services Authority.