Sainsbury's Bank

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Company Information

  • Company Name :
    Sainsbury's Bank
  • Website Address :
  • FCA IP :
  • Business address :
    33 Holborn, London EC1N 2HT
  • Phone number :
    0800 096 0543

Sainsbury’s (sainsburysbank.co.uk) was the first of the major British supermarket chains to open its own bank – it has been offering financial services and products to its customers since 1997. Sainsbury’s Bank works in conjunction with the supermarket to maximise the savings its banking customers can make, allowing customers to collect bonus Nectar points and rewards from their financial products.

APPLICATION REQUIREMENTS:

To be eligible for any of the personal loans from Sainsbury’s Bank, you must be between 18 and 80 years old, and under 83 when the loan is repaid in full. You need to have a permanent UK address and an account with a bank or building society. Customers also must prove that they are employed, self-employed, or hold a pension. You also won’t qualify for a personal loan from Sainsbury’s Bank if you have been declined credit in the month leading up to your loan application.

LOAN AMOUNT AND CHARGES:

Sainsbury’s Bank has a range of personal loans that begin at £1,000 and reach a maximum of £25,000. The loans have varying interest rates depending on the size of the loan and a range of other factors, including the customer’s credit score and personal circumstances, and the duration of the loan.

PROCESS:

Sainsbury’s customers looking for a personal loan from the bank can opt for either a Sainsbury’s Standard Loan or a Shopper Reward Loan. Both loans can be used for any personal expenditure you see fit, but the Shopper Reward Loan allows customers to get 5,000 bonus Nectar points and double Nectar points for the first two years of their loan. The Shopper Reward Loan has a slightly higher APR representative. The Standard Loan comes with an exclusive Price Promise guarantee. This guarantee promises that Sainsbury’s Bank will beat any rate offered by a competing bank on a like for like basis.

Customers can apply for a Sainsbury’s Bank personal loan online or by phone and receive an instant decision.

PAYMENT:

Sainsbury’s will transfer the money into your preferred account when they have received a signed copy of the loan agreement. With Sainsbury’s, customers have the option to pay back their loan amount early, and also can make overpayments in order to reduce their loan term. All the details about this can be found on their website among their comprehensive list of guides.

322 Reviews of Sainsbury's Bank

My family and I have always shopped at Sainsbury’s- it’s our favourite supermarket thanks to its good prices and wide product range. I never really knew that Sainsbury’s had a bank as well as being a supermarket, but I spotted an advert leaflet for its banking services at the till one day while paying for my food and thought I’d take a look. I was pleasantly surprised to see that they do in fact have a proper bank, and that Sainsbury’s shoppers can get special deals on loans and other financial products with their Nectar card. I’ve had a Nectar card for years and as I had been looking for a loan to help pay for our big family holiday this summer I was sure I’d found the perfect fit.I applied for a Sainsbury’s Bank Shopper Reward Loan, which let me get lots of bonus Nectar points and bonus points as my loan term went on. I wasn’t sure how to use the website so I called the helpline and talked to an adviser who was very friendly and explained everything to me clearly so that I understood the loan terms. She gave me a quote on the loan which I accepted and then posted the paperwork for me to sign. I was amazed at how quickly it all went- my paperwork came the very next day and a few days later I had all the money I needed for my holiday!Sainsbury’s Bank’s interest rates are very fair and I think this is a great deal for people needing a personal loan. I’d especially recommend it for frequent Sainsbury’s shoppers like me, as you end up getting extra treats and rewards from all your Nectar points. I’ll now be doing lots of banking with Sainsbury’s and hoping to get even more points!

Review posted by Lucy Hammill

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As I use Sainsbury’s a lot, and I have a nectar card, I thought this would be a great option for me, as the "Shopper reward loan" means you get extra points and that would have helped considerably with the weekly shop. Our car had just broken down and I need it to get to work. It wasn’t a great option in the end. Despite having a good credit rating, I was refused and passed onto a loan with a much higher interest rate and worse terms, but from a company who is apparently approved by them. I don’t know if this means it’s another company of theirs or what- or just that they get a fee for transferring us. I suppose I shouldn’t blame Sainsbury’s for this but I do feel let down. Their communication wasn’t very good and I didn’t like being transferred without having enough time to properly check all the details of the new loan. There was no explanation of why I was refused, and it made me very nervous about applying for any other loans so I just accepted the one they referred me to. All in all not a good experience. And although I’ve got a loan, I feel like this is not the best I could have got and the interest is very high. I am very disappointed as I’d expected more from one of our high street stores.

Review posted by Amy Connor

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Everyone that I know, including myself, have always had the highest respect and trust in Sainsbury Bank, but I was recently let down by them. I have been using this particular bank for years now and I am rather confused as to what happened recently. I am not sure if the person/people that I was dealing with were new and inexperienced or if they just did not have my best interests at heart.All that I can say is that I was not too impressed with my recent interaction with the banks staff. I would not say that I would never use them again, but I do want to suggest that take the time to see what the problem could be. With that said, I must still congratulate them on the fact that they offer extremely low interest rates and I hope that the issue gets sorted out as soon as possible. I would love to make use of their services once again.Again, I said that I was not very impressed, which I was not, but if this company makes an effort to rectify the mistakes that they have or are making, they will go back into my good books and I will give them another chance. It is not a personal attack, just a point of view from a concerned customer.

Review posted by Ellis Davidson

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Another large supermarket, Sainsbury's also offer great loans at very competitive and flexible rates. This supermarket has a large range of loans available, from £1000 to £25000 and they also have a very competitive 4.1% representative APR. This loan, like many other supermarket loans is very easy to set up.The loan could not be clearer, for example if your loan period is 60 months, then you will pay back the loan in 60 equal instalments over the next 60 months. This provides the customer with a very clear and concise set of instructions to follow in order to pay back their loan fully and on time. They also have a dedicated helpline to help users with navigating the website so that they can get the exact and precise loan that they want.The company's only downfall comes from their approval system for the loan. There is a great deal of paper work that has to first be sent to your address and then sent back once completed. This takes this from being a good loan, to a very average one, the ease of getting a loan is definitely enhanced in many other company's.

Review posted by Lewis Wallis

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I needed a small loan in a hurry and checked out Sainsburys Bank online. I really liked the quick and easy personal loan calculator function. It made it simple for me to work out just what the repayments would be on my loan over the shortest possible timeframe.I did have to make higher repayments on the loan because it was for such a small amount, but I didn't want to increase the sum I wanted to borrow as it may have tempted me to spend more.When I had a question about my loan application it was great to be able to call the Sainsburys Bank loans team on their freephone number and clarify the situation. I found the complete loan process from start to finish was of a very high standard and I would not hesitate to use Sainsburys Bank again for all my loans and personal finance requirements.

Review posted by Christopher Dennis

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Sainsbury’s another supermarket which dabbles in the lending market. Like Tesco Bank, they offer an extremely competitive rate of 4.1% representative APR for loans of £1,000 to £25,000. The rate has been touted as one of the lowest on the market and Sainsbury’s ensure a high degree of customer service. Loans can be taken out over a period of 12 to 60 months, dependant on personal needs and circumstances. If you borrow £10,000 over a 60 month period, then monthly repayments would be £184.28 and the total amount payable would be £11,056.80. Martin Lewis, creator and founder of www.moneysavingexpert.com, is constantly mentioning Sainsbury’s loan rate on his website and how it benefits those who are looking to pay back a loan in affordable monthly payments. Thus, it appears to make financial sense to take on a loan that you can afford with the lowest possible APR. Sainsbury’s has a loyal customer base and obviously possesses the market power to draw new consumers in by offering affordable options in the loan market. Much like Tesco Bank, Sainsbury's offers its customers the opportunity to pay back their loan in affordable monthly chunks. Supermarkets appear to be leading the way within the loan market by offering incredibly low interest rates and extra benefits if you shop in store.

Review posted by Emily Ali

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I applied for a Sainbury's bank loan on the basis of the good interest rate and fact that I would receive Nectar points for taking it out with them. 2 months since receiving the loan, I have not received my Nectar points despite many phone calls chasing them and numerous emails.Sainbury's seem very keen to sell you the original product, but not very good at all at following it up. The application process is advertised as 'easy to do online' but they asked for a lot of extra (and which I thought, unnecessary) information before they would actually tell me if I was accepted or not.During this process one of the advisors recommended that I do not apply for other loans, as it would look bad on my credit rating, so I was in limbo for a week not knowing if I would get the money or not. When it was eventually sorted, there was no notice of when and how the money would be paid in, and I ended up having to chase them to find out what was going on.When I did finally speak to someone and find out when my loan would be paid in the bank, I was treated very badly and made to feel like a beggar who was lucky to be getting a loan with them in the first place. although the interest rates are good, and the money did eventually get to me, I would probably not go back to them for a loan ever again. There are sure to be many loan companies that you can get some extra cash from without all of the hassle.

Review posted by Jude Patterson

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Sainsbury’s has been in the financial services business for almost 20 years, so I trusted them right from the bat when I went for a loan to get an upgrade to our shower. We had been through 10 different plumbers by the time we got one who could fix the water pressure in our building, but he charged quite a bit for the service as it was a high-tech gadget that needed to be imported from Japan or some other place in Asia.We spoke to Sainsbury’s in their office after seeing an ad for their loans in the local paper and we were approved within minutes! They do the credit checks and everything right there. We chose the option with the higher APR, but as a trade-off we can now get 5,000 Nectar points and get a lot of other bonuses to use in their shops.Also, they matched a quote we got from somewhere else, so they did everything right in my book!

Review posted by Jamie Barnes

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We had our parent’s 40th wedding anniversary coming up and with my brothers and sisters decided to pitch in for a big party. But we didn’t want to pay for everything up front, so we contacted Sainsbury’s to see if we could get a loan. They were recommended to us by a friend from church who said they’re more than just groceries.Well they really are more and they helped us out immensely! We were able to get a great APR for a loan of £10,000, which is going to cover not just the party, but the outdoor equipment, rented cooking appliances, tents and even the week vacation at the B&B afterwards.We’re also going to get discounts and rebates on their other services and by spending some of the money at Sainsbury’s we’re also boosting our Nectar points.The reason why we wanted to do it this way is so it wouldn’t hit hard on our budget, but our parents were important too. Now all we have to do is pay it back month by month and the rates are really low, so split 5 ways it’s a breeze!Couldn’t have asked for a better experience. Thanks, Sainsbury’s!

Review posted by Aidan Taylor

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needed £8,000 for home improvement. Since I didn't have ready cash, getting a loan was the only other option. However, my bank rejected my loan application because my credit rating was not good enough. This was quite surprising since my credit rating then was around 900 with Experian (good). I, therefore, decided to try Sainsbury. Their low interest rate was one of the factors that influenced my choice. I made online application and within seconds of finishing, I was informed the loan request had been accepted. Even though they promised that the paperwork would arrive in 3 days, it arrived in 2 days. I filled, signed and sent them back that same day. The loan was to be sent to my account within 5 days after returning the paperwork. However, three days later, the money was already in my account. I definitely give them 5 stars and recommend them to anyone in need of a cheap and fast loan.

Review posted by Hollie Vaughan

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In 1997, Sainsbury supermarket chains made a milestone in venturing into financial services which has proved to be a good move. The financial service named as the Sainsbury’s Bank has been getting better since then and is one of the indomitable personal loan lenders in the market today. In conjunction with the supermarket, the bank allows clients to earn Nectar points and other rewards from the loans they give.Sainsbury’s Bank has a representative APR of 4.1%, but the rates varies depending on the loan size and clients credit history. You can borrow any amount from as little as £1,000 to £25,000, which you can pay within 1 to 5 years. The personal loans are either in Shopper Reward loan or Sainsbury’s Standard Loan, which can be put to any use without restrictions. You get 5,000 nectar points when you apply for Shopper Reward loan plus double nectar points in the first year of the loan. There is a price promise guarantee on the Standard Loan, for like to like competing bank rate offer, giving you the best rate.The age limit to be eligible for these loans from Sainsbury’s is 18 to 80 years. You have to make sure you will be able to repay the loan fully by the time you are 83 years old. It is only available to permanent UK residents who have a permanent physical address and have an account with a building society or a bank. Those unemployed are not eligible for this loan, since you have to prove you are employed, you hold a pension or you are self-employed. The decision is instant if you apply for the loan online or via phone, but it is denied if you had been declined credit or a loan in the 30 days prior to your application. Unless you are a frequent shopper in Sainsbury’s supermarkets, these loans are not favourable to you.

Review posted by Lara Begum

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I was recently in the process of starting up a small business to run parallel to my regular job. I needed to purchase some equipment and software in order to get set up. I was unsure about going down the route of getting a bank load. I think the image of me attending a meeting with a bank manager got me a little nervy!I think I went with Sainsbury’s as I’m a customer of theirs anyway. I guess the brand was just imprinted in my mind from doing my weekly shop there. Getting a loan from them kind of just seemed like purchasing any of their products. A simple and straightforward process.I went into the deal with a clear idea of how much I needed and of how quickly I could afford to repay. I think that is probably important with any of these lenders. From the outset, I was aware of the exact figure I was to repay, and could there factor this into the costs of my new business venture. I looked upon the service as a means to an end. Like a tool I required to get up and running.The service was cordial and the information was concise. I am now fully in the black and turning a profit. Thank you Sansbury’s for getting me off the ground.

Review posted by Charlotte Clements

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My personal experience with my Sainsbury's bank loan was rather mixed, as far as the personal loan goes I am very pleased, the terms set out by Sainsbury's bank were some of the best I had seen. I was especially happy with the low APR offered, considering that the repayment term I had selected was only 24 months due to the amount I needed to borrow being comparatively low in loan terms.I'm not that 'au fait' with banking online; don't even get me started on the countless passwords you need to remember! The major downside for me was that as it's not a high street bank or building society I couldn't just pop in to make payments or discuss issues face to face, the majority is done online or via telephone and although the staff are very helpful I do find it a bit of a hassle. I can get by when it's simply typing in an online form, but anything more than that and I do tend to get a bit lost! Overall I'm pleased with the loan I got from Sainsbury's but I would have to consider whether to use them again as opposed to a high street lender.

Review posted by Caitlin Barnes

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Utterly disappointed. My personal loan was refused at Sainsbury's. I can't for the life of me understand how come I was refused credit as I own my own house outright and have always paid be credit card bills on time and have a decent job. It seems as though I'm not the only one who has had difficulty obtaining a loan from Sainsbury's only to be pushed to some place called Freedom Finance who could offer me a loan but at a much higher interest rate. Sounds legit. It seems there are a lot of smoke and mirrors with a Sainsbury's loan. First they tempt you with an attractive APR, which they basically lie about and then they decline your loan just to direct you to another company who Sainsbury's then gets commission from. Absolutely disgusting. Being declined for credit was completely unexpected. I couldn't even get a straight answer as to why my loan was even declined in the first place. The extremely sad fact is that my credit rating will always have this black mark against it thanks to Sainsbury's, and because of this fact it will make obtaining credit more difficult and expensive in the future. I really wished I never even considered Sainsbury's as a viable option for a personal loan. For sure I will be avoiding any such places as this and go with the my bank instead, at least I won't be toyed around like I have been done in this case.

Review posted by Samuel Dickinson

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Another supermarket to enter the finance sector, Sainsbury's appear to be offering a wider range than their competitors, so it is no wonder that their overall readies rating is an impressive 4.5 out of 5. They are offering similar APR rates to their counterparts both in and out of the supermarket field, but are able to lend a comparitively low £1000 as a minimum, with affordable monthly payments and good customer feedback. As with most of their products, they offer Nectar points as an incentive, both upon taking out the loan, and in the form of double points on Sainsbury's purchases for the first two years that you have an active loan. Instant decisions are available from Sainsbury's, as well as a Price Promise guarantee, meaning Sainsbury's will beat any like for like quote on the high street. On the face of it, their high customer satisfaction rating appears to be well deserved.

Review posted by Amelia Reynolds

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I have borrowed personal loan from Sainsbury Bank for two times. The first time was when I applied for a car loan. The second time was when I borrowed for home improvements. I am fascinated with the bank for different reasons. First, their application step was easy and simple. I completed the application for a few seconds.Each time was I was told that the loan application was granted in principle. I got the paperwork after two days. I signed it and sent it back to them. My account was credited with the amount I applied for three days after. The application process was straightforward.The customer service of the bank is efficient. I score them high for the value of money. I recommend the bank for their efficient service. They do not request proof of income from me on the two occasions I have used their services. I have never received a telephone call from them to verify my information. This is a friendly bank.I assume that once you provide them with correct information your application will not be turned down. Their customer service is also efficient. I receive mail from them a few minutes after submitting my application. I highly recommend the bank to anybody with bad credit and in need of urgent money at a cheaper interest rate.

Review posted by Shannon Dunn

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Applied online and got an instant yes in principle but no email like I should if received so I called the next day and was told I had been accepted for the loan, the paperwork arrived 2 days later which I signed and sent back the same day and 2 days later I had an email confirming the money had been sent to my bank and will be available within 3 working days. If you don't get an email make sure you call as there seems to be a slight issue with there systems it was a very quick and easy process the only negative was the interest rate wad higher than stated.

Review posted by glenn

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I am absolutely not happy from sainsbury bank loan.I have apply 3days ago online and today receive message to call them to arrange loan,I have call them and the hold me on chargeable phone number for 40 min.finaly they get decision and offer me loan on very high interest rate.my credit score it's excellent 999 of 999 points.I don't understand why they advertising 3.6 % interest rate.I don't believe somebody been offering loan on this rate.Very disappointed .don't wasting your time.I thing this reviews are fake and sistem 07852812644not letting me to left negative review.But anyway I will find way to say what I thinking

Review posted by George29

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Applied the loan online as my friend recommended this bank. I got the confirmation email within 2 days and they sent me documents for my signature . Returned them few days ago. I was quite happy and surprised at the same time that everything is going well very fast and smooth. Now eagerly waiting money in my account so I can apply for my loan purpose. Highly recommended to every people all over the UK if they want quick and happy service. Good thing is they remind you by text in your mobile for fast service that you need to do to complete while process.

Review posted by R Sherchan

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I shopped round for a few days looking for the best deal for a mortgage. It was not easy as so many banks offer similar interest rates and deals, so in the end I decided that I needed to opt for a bank that has a good name, so I chose Sainbury´s. After all, my parents have banked with them for many years, so there is an element of trust there. The staff who assisted my wife and I were very pleasant, patient and helpful. We took out the mortgage over a 25 year period and opted for a fixed interest rate for the first 60 months, altering that to a variable rate, connected thereafter, to the Bank of England rates. We feel that maybe the interest rate will drop by then, so our re payments will too...its a gamble, but if it doesnt drop, at least we should be earning more money by then as we both have good promising jobs. I feel that Sainsbury deserve to be recommended.

Review posted by Frank Burke

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My name is Sonia Wakefield and I must point out that Im happy with Sainsbury´s bank. Recently I decided to apply for a mortgage, but am not very good at applying on line, neither do I have a lot of spare time to go personally over the counter as I have two small children. I found out that i could apply via phone which suited me fine. It was great to be able to do everything this way. I was guided , advised and professionally delt with over the phone. All the documentation was sent to me via post as per my request and I returned it the same way. Their decision was given to me via phone too, so it was an absolute pleasure. The interest rate and their fees were average, but the convenience of a simple phone call made all the difference. Thank you!

Review posted by Alan Ashmore

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My parents have been clients of Sainsbury´s since 1998, when they used to shop with them. In 1999 they applied for a mortagage , as they realised that Sainsbury had started offering financial services. They paid it off over 15 years. They never had an incident or a bad experience, even when twice they were a few days late with their repayments, so they speak highly of Sainsbury´s. Due to this I decided to also take out my mortgage with them and must say I was very well treated when I visited them personally. They based their fees and interest rate on our credit score and as we have never defaulted with any past payments, we were lucky to be given what I feel is a fair deal. We took out the mortgage over a longer period of time than our parents as we dont want to feel pressurized with a high repayment. They were very good at helping us decide on the best deal for our income and were patient with all our questions, no matter how dumb they probably were. Im confident we will have a good relashionship in the future, like our parents did.

Review posted by Dennis Correia

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My name is Gerry and I live in Essex, UK. I would like to state here that I'm totally happy with Sainsbury as they really helped me out every time I went into trouble, mostly with establishing my collection of cars. Last month in Germany I bought a Borgward Isabella, a state of the art automobile and worth a fortune, if in good condition. Unfortunately it wasn't this time. Lots of rusty places yes.The restoration went far over my budget this time so I needed some help before selling this beauty again.Lucky me I found myself in the position to use the Shopper Reward Loan as of my long history of shopping with them, allowing me to get a credit of 19.000 quid. Selling the car wasn't a problem at all, neither a quick payback of my loan.For me no other than Sainsbury Bank no matter what the future brings, provided that things will stay the same of course but that's obvious.

Review posted by Gerry Atkinson

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I really liked what I read about how Sainsbury Bank works. My grandson recently turned 21 and I wanted to surprise him with a new car as a birthday present. Because I'm a pensioner I don't have a lot of spare cash but I had saved £5000 for this purpose. I was short £3000 for the car that I know he wanted. I approached Sainsbury´s and applied for a personal loan for the shortfall. I do not like to use internet much so I phoned them. After a long discussion in which the representative worked out the best deal for me, It was agreed I would pay back the loan over 36 months so that it would be comfortable for me. They made an immediate decision over the phone. I'm 72 years old so was very happy that this was granted despite my age. Now my grandson has a new car and is very happy. They advised me over the phone for the sh

Review posted by Louise Bland

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I like this bank because of their flexibility and their client services team. I recently needed a loan to buy a little boat to go fishing in the dam with the kids and needed to borrow £6000. I could buy it cash as I earn a good salary, but being on a work contract and having a good credit rating I presumed that borrowing from Sainsbury´s would mean not digging into my savings and still getting a good deal. I applied on line and received an immediate decision. The interest rate was about the same as anywhere else and by paying over 48 months it really did not put any pressure on my income. I feel this is a reliable bank and recommend considering them.

Review posted by Jose Silva

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I'm 38 years old and married to Melissa. We own a little cottage that had been in dire need of some repairs and refurbishment. We had a few professionals around and they told us that £6000 to £7000 would do the job. We had saved some money but preferred not to touch it and melissa suggested we try Sainsbury's Bank as that's where we do most of our shopping. They were really friendly and after the usual credit check, they approved our loan for £9000 to be repayed over 60 months using a debit order from our own bank account. Hardly any red tape and the funds became readily available with really fair interest rates. What else can I say but thank you SAINSBURY'S BANK.

Review posted by Kevin Mcdonald

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I looked long and hard at many lending companies and banks when I had to borrow £14000 , that I needed to inject into my wife's hairdressing salon. She had decided to make some alterations and the money she needed I did not want to take out of the kids college fund, so finding the institution that gave me the best deal was essential. After analyzing carefully the options out there, I opted for Sainsbury´s. I did the maths, regarding the interest rates, fees and the length of time for the repayment and saw the benefit of applying with them. I then phoned them to have a chat with the representatives and they helped me to work out the best plan for me. I finally took the loan out, over 60 months and do not feel cheated or overcharged. Thank you Sainsbury´s.

Review posted by Peter Willis

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My name is John Hing and I'm writing this review in my grandparents name, as they do not know how to use new technologies like computers and internet, but asked me to do this on their behalf.Some months ago, they, being 75 and 72 years old, decided they would like to go on a long cruise. They are retired and had worked out that by 2018 they would have saved enough money to do so.I advised them NOT to wait and to rather take out a loan with Sainsbury´s, which they did, over the phone. The loan was accepted as they are both pensioners and do not have many expenses cause they live with family. They will pay the loan over 5 years, meaning that they don't have to put aside as much as they would if they were saving the money. They were very excited that Sainsbury´s would give them a loan at this late stage of their lives and asked me to share their experience with others.

Review posted by Steven Hing

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I have my own business with my sister and we always have done reasonably well. Recently we traveled to Thailand as we needed to buy more stock for our Boutique and therefore took the gap to stay 2 weeks after work was done for a much deserved holiday. The overall trip including leisure turned out to be more expensive than we could afford right then, so we called on Sainsbury´s to give us a hand.I applied for a loan of £4000 to help us cover expenses. Upon some calculations, we requested the loan over 24 months and were surprised to see that the interest rate was actually not too high at all. Their decision was swift and given to us on the spot. I had expected to wait at least a couple of days. I found them to be professional so I must share this opinion with others. They are a solid choice, I believe.

Review posted by Ann Ashby

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My wife and I shop regularly at Sainsbury's and really had no idea that they were also into the banking business. It was after shopping one evening that we decided a week away from the kids and the dogs would be a really good idea for us as we'd both been working so hard and just needed some time away together. We applied for the Shopper Reward Loan only because my wife was interested in the Nectar points which I know very little about. We applied online and the loan was approved very quickly after the credit check. We asked for £3000 payable over 60 months at really competitive rates so we're soon off to Croatia for a week. I can't wait and all thanks to SAINSBURY'S BANK:

Review posted by Dennis Tomkinson

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  • Flexibility
  • Ease Of Use
  • Value For Money

I´m a one man band singer and work in pubs in the South of London. I earn decent money and love the freedom of my job.I have a friend in Portugal called Alan Storm who invited me to come sing with him in summer and I jumped to the opportunity.What a lovely holiday in the sun doing what I enjoy most. The flight I paid for but I needed some cash to see me through, and therefore request a loan from Sainsbury´s on line, for just £1000.The loan was granted after they had done a background credit check on me and were able to verify that I performed at the pubs I claimed to.Also I guess they must have contacted my bank and everything was in order.The loan was approved and I decided to pay it over 12 months to avoid pressure.All in all, I can't fault Sainsbury´s.

Review posted by Phillip Black

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  • Ease Of Use
  • Value For Money

My daughter is getting married next month. She and her fiance have planned a big wedding with many guests in a wonderful place. As the brides parents my husband and I are responsible for paying the food and beverage side. There are 85 guests and at £60 per guest we talking a lot of money. We had to apply for a personal loan of £4000 over 36 months to help us be able to afford this. Fortunately we have some money saved so don't need the total, just £4000 will do. We approached 3 different institutions and compared how much the monthly repayments would be in all of them. In the end we saw that at Sainsbury´s we would pay a fraction less but as they have been in business for so long we opted for them. Hope they don't let us down. They approved the loan quickly. Thank you.

Review posted by Ruth Birch

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  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a £7000 loan to refurnish our house, so I decided to apply for a loan. It was a real nightmare to try to decide which bank to go with. So many out there offering so much that I got really confused. I also tried my own bank but to my dismay they seemed to offer a worse deal than the others. Finally my niece told us to check out Sainsbury´s. Still undecided I decided to phone them rather than apply on line. They were brilliant and patient and together worked out a good deal for us over 60 months that was affordable for us to repay with no stress. The money was credited to us very quickly. They are good.

Review posted by Shirley Mc Court

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  • Ease Of Use
  • Value For Money

Call me crazy but I'm a sucker for collectors items and specially for vintage cars. My neighbour was hard up for cash and sold his old BMW for half of what it was worth. I jumped at the opportunity and rushed to Sainsbury's to apply for a loan as I knew I couldn't afford to buy it cash. I applied for the Sainsbury´s standard Loan as I wasn't bothered about the bonus Nectar points offered on the Shopper Reward Loan option. They worked out the best plan for me after I told them how much I earned per month and what my expenses were. The loan was granted in a blink and I now have to repay over a period of 60 months. What a pleasure to do as on weekends guess what Ill be doing? Showing of my vintage car to everyone! Tks Sainsbury´s!

Review posted by Michael Deardon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Sainsbury Bank isn't the number one here on Readies. Neither it is the Bank with the best loans or the cheapest rates, or, depending on your personal circumstances, maybe it is.But there's something else that interested me. Sainsbury Bank has its own chain of supermarkets which is quite neat if you know what I'm pointing at. What I mean as a customer of them, is that in this way the bank can offer me a higher interest of my savings. The higher the profit is from the supermarket chain, the better it is for me.Besides this there's a way to get to the max with Sainsbury Bank. As a customer I regularly use their Personal Loan program, earning Nectar Points which allow me to gain even more profit than just a ordinary customer makes. How neat is that?For me nothing else, lad.

Review posted by Liam Stone

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have Previously applied for a loan through Sainsburys bank a while ago. Was offered a good APR for a new loan at a 3.5% APR. When the actual paperwork came through the APR had shot up to 8.5%. I was not told or advised anything about this prier to the paper work.I called up and staff were polite and helpful to me, but,Yes, ok the Quoted APR was representative, and only small Percent of customers get the advertised rate, but so on, so on.They should advertise the average offered APR that's more likely approved rate which I think will be much higher for a lot more customers than just me.

Review posted by Billy Black

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I switched to Sainsbury's Bank a few week ago from another well known UK lender. I had two outstanding credit cards and an overdraft i was always using and with 3 interest rates i was getting no where paying them all back. Sainsbury helped me put everything into one loan and in no time i have seen that the service and price have been noticeably better. Policy documents and paperwork are all very straightforward and honest and set out very clearly. I've been tricked before in the past before to think we had sickness cover and than to find out changes in the small print denied so this honest approach is very welcome. At least we know where we stand with Sainsbury and have went threw the paper work a number off times and i am happy.

Review posted by Mr T Gillis

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  • Flexibility
  • Ease Of Use
  • Value For Money

I have ordered groceries regularly from Sainsbury online for a couple of years and enjoyed there service. There online website has SO many options for the Sainsbury brand, i was so surprised to see they also done Banking. An seeing threre adds popped back into my head when i was looking to borrow money for my kitchen reservations. The website used to be easy to navigate with easy access to regular customers, but this has changed since they 'upgraded' the website. So when applying for my loan i did have to call M$S customer service and had to be passed on to the next available adviser to go threw this with me.I am happy with how everything has worked out and the APR and application set up and funds transferred to me was done in the time scale promised. I would love if they did changed the website back as it was more easyer for me, but i am happy i am still an M&S customer.

Review posted by Bella Sand

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have ordered groceries regularly from Sainsbury online for a couple of years and enjoyed there service. There online website has SO many options for the Sainsbury brand, i was so surprised to see they also done Banking. An seeing threre adds popped back into my head when i was looking to borrow money for my kitchen reservations. The website used to be easy to navigate with easy access to regular customers, but this has changed since they 'upgraded' the website. So when applying for my loan i did have to call Sainsbury bank customer service and had to be passed on to the next available adviser to go threw this with me.I am happy with how everything has worked out and the APR and application set up and funds transferred to me was done in the time scale promised. I would love if they did changed the website back as it was more easyer for me, but i am happy i am still an Sainsburys customer.

Review posted by Bella Sails

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  • Flexibility
  • Ease Of Use
  • Value For Money

Saunsbury's It's a bank and well as a supermarket. They have offers and deals when taken a loan, there's online access to your accounts any time you want. The interest Rates are very competitive and the rate showing online when i applied was the APR rate i got. Very pleased!Where I live branches are closing as more people let their fingers do the walking online than walk in to a branch, so this service is helpful and comes in handy.In fact I think they're actually pretty darned good as a bank and I've never had cause to complain.

Review posted by Eric

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Hey guys i would like to take this time to say thank you to Salisbury for helping me with my personal loan. I applied a few months ago. I applied online and the system took care of everything for me and it was very simple. I filled everything out online and because i am a Nectar card i had the option of a better APR rate and point rewards. The options for loyal customers are endless and i used my rewards card weekly on petrol. I am a happy customer never had to pick up the phone. I would recommend as it is very convenient.

Review posted by Wendy

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  • Ease Of Use
  • Value For Money

I called Sainsburys when my older bother recommended them as a lender. I was looking to renovate my garage. We never put the car inside anymore as we have residents parking pass also so we were looking to turn the space in to a bed room. This is not a simple thing to do, as the room had to be completely changed to meet all requirements to making a garage into a room you can live in and register on the mortgage papers. The whole process is costly so i applied to borrow £7500 over 3 years to cover the cost of everything that needs to be done. This was all approved over the phone and i had a few documents to send in and when this was done the money was transferred to me.

Review posted by Amanda

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've recently taken out a loan for car purchase. Online application worked fine for me and i done the application Saturday afternoon, rang call center following Monday to be confirmed for the approval of the application. This was all Fine, BUT I needed the money in 7 days' time and was told I would have to pay for courier service for documents - expensive!!! but the service was very good and fast, the courier came on time, documents signed and returned also on time. However, I have couple of other issues. When speaking to customer service they asked me if I was interested in a sainsbury's credit card. I said no, but the documents delivered by the courier included the credit card agreement form. The instructions ask you to sign and return this along with signed loan agreement. I did not do this. I then had to phone the call center again to check that I didn't have to sign the card agreement. I did want this card or to apply for this. Apart from this mix up happy with my loan with Sainburys.

Review posted by Mr Brandon Smith

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  • Flexibility
  • Ease Of Use
  • Value For Money

Having previously applying with Sainburys a few years ago and being rejected, i was worried to say the least when i applied this time around.Growing older and taken responsibility for my finances and my job has really paying off.Now i cannot fault sainsbury online loan service. On the very same day after I applied it was confirmed and dealt with on the phone brilliantly, Customer service even contacted me when the loan was accepted to finalized details. Im honest in saying i can't fault them would definitely recommend Sainsbury Bank if you have good credit. Mrs S Silves

Review posted by Mrs Stacey Silves

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  • Flexibility
  • Ease Of Use
  • Value For Money

I got a loan with Sainsburys 5 years ago now and have to admit at the time service was brilliant and I thought I would use them again in future. I settled the loan early this year and have had a few problems. I do have to say I am now not impressed with the chasing customer services around that i have had to do all due to dates of payments and the settlement date. I called up to pay my loan of early and was told this would be done and the last 2 months interest would not be taken. The money that was taken out of my account was more than told, so I have been forced to overpay by two months payments. I am now been waiting two weeks for my refund and have been told I have to wait another 3 to 5 days as this is still in the post. I dont like chasing money, but i am happy customer service took care of this and processed a full refund for me.

Review posted by Liam Walters

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  • Flexibility
  • Ease Of Use
  • Value For Money

Applied for a Sainsburys loan today via MoneySavingExpert.com as it was listed under the cheapest loans over £5000 section with an APR of 3.6 %. Followed the link, filled in the application and submitted everything. This took around 35 minuets and then i received a message, it came up telling me to call Sainsburys finance in order for them to fill complete my application as well as give me a final decision. I did on the phone and after answering several questions that I had already already on the online form I was offered the loan at 7.6%APR! I said to the guy who was dealing with my application that this is not what was advertised and he said that in the small print it mentions that they may offer a variable interest rate and is subject to credit score.I was happy with the guy i was dealing with a did go ahead with the loan.

Review posted by Brad

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  • Ease Of Use
  • Value For Money

I think i should have called in to save time doing my application,but i filled out an on-line application as it was the weekend. I then received an e-mail asking me to call, it was a Sunday so did not call. Work was so busy on the Monday so planned to call the next day but didn't need to as i then Received another e-mail on Tuesday morning advising me I had been accepted and documents were on there way to me. Documents arrived next day so I signed them and sent them back ASAP. Sent documents back immediately. A week later, no money in my account so i phoned. To been told they did not received documents yet and were going to send another set of copies to sign and send back. I had to wait around two weeks but i was sooo glad it's all sorted and customer service people we very helpful but disappointed at speed of process.

Review posted by miss jade homes

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  • Flexibility
  • Ease Of Use
  • Value For Money

I have an excellent credit rating and have worked full time my whole life since turning 19. I have never missed a payment on a bll in my life or had any bad credit on any type of payment.I applied online with Sainsbury and pressed the submit button online and got an INSTANT manual application needed and to contact Sainsbury Direct. I do not believe that they even looked at my credit rating and maybe only ran a decision made based on the answers to the standard questionnaire online. I was annoyed to say the least and i did not want to call up customer service but i guess i am glad that i did. Helpful adviser was full polite and friendly and calmed me down and the application was approved. I am just waiting on final documents to come threw.

Review posted by Jessica Edwards

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  • Ease Of Use
  • Value For Money

Have read a lot of the reviews online, both being a handful of good and a handful of bad. Everyone has there own personal experience with Sainsburys Bank, so here all i have to say is I had no problems at all. I took £4500 over 24 months got advertised APR at the time and the money arrived into account 3 days after I had sent back the agreement I am surprised with how helpful and informative the staff at Sainburys are.I liked the ease of application and helpful staff and yes I would recommend them and have to other people who also are happy with their offered rates of loans and credit cards. Savings account could have a better rate.

Review posted by Miss L Meadow

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  • Ease Of Use
  • Value For Money

I applied for a loan online for £3,500 two week ago and was accepted in principle. Im not sure what in principle was so I rang the loan department later that day to see if it has been accepted or declined. The lady went through my application over the phone with me and re confirmed my information. After this was done she then told me I had been accepted for the loan. 3 days later I received the loan agreement in the post and I have signed and returned it the same day, Afurther 3 days later the money in is my bank account. Very happy with the quick and efficient service and happy with customer service staff very friendly.

Review posted by Miss L Johnston

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  • Ease Of Use
  • Value For Money

I cannot believe the speed in which I was accepted for a personal loan! I applied for my loan with Sainsbury nearly 2 years ago and have not missed one payment and not had any one problem with the service they have supplied to me. Happy with Sainsbury.My loan agreement is nearly at an end and i contacted there customer service to find out the exact information. There staff are always so friendly when you call up, never to busy to help. I also use Sainsbury supermarket and petrol stations and i am happy as a customer with them. They provide so many wonderful service.

Review posted by Jake Andrews

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  • Flexibility
  • Ease Of Use
  • Value For Money

After doing a google web search for loans, hundreds of options came up online and i started reading through some of them and some of reviews. I decided to go with Sainsbury's so i applied for a loan and took a chance.Loan Amount: £10,000 Duration : 2 years Advertised Rate: 4.7% ( Rate I Finally got: 5.7% The Process So filled in the online application took around 5 -10 minutes to complete. Immediately got the message:"Your application has been accepted in principal". Was really happy to see that page. At this point i was not sure what was going to happen and i though they will send the agreement. to me. So i waited for a day and then they emailed saying that they need some more information on my application and I should call them. SO called them to find out what was going on.I was on the call along time before i was told i had been accepted and the rate was as promised online 5.7 %

Review posted by Derek Stewart

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  • Ease Of Use
  • Value For Money

I applied for a loan with your company a few weeks ago and this whole time scale was long. This was longer than i was told when i called originally to apply.Applying for the loan was easy and felt like this took no time at all. Everything was agreed and done all in one phone call with Isabel. Isabel has been fantastic and if it was not for help calling me and keep me informed on where my documents are then i would have canceled and gone else where. Im not sure who is do blame for the delay in the paperwork but it was a big inconvenience to me at the time. This took nearly 12 working days before i got the money.

Review posted by Helen

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  • Ease Of Use
  • Value For Money

Fantastic service i have received from Sainsbury, very quick and easy to apply on the website. The interest rate was 3.9% was the offer at the time i applied with my Nector card and reward points. I must say after reading some of the reviews while waiting on being approved I thought that i might change my mind but when I received the documents and everything i was told i was promised even low APR , I took the loan. It took 6 days from application to having the funds arrive into my Current account. I would definitely recommend Sainsbury's Bank to my family and friends.

Review posted by Mr John Castle

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  • Ease Of Use
  • Value For Money

I applied for a sainsbury's loan. and had a few issues, they wouldn't accept my bank details when confirmation online. So i decided to used a temporary account details and the loan went to approved in principle and to contact Sainsbury Direct. I phone this morning, changed the bank details and was told that they would need to run the application again to make sure this has been approved. I was a little worried about this but so Happy i came back really quick accepted. They have increased the percentage rate but im not overly concerned with that. Just to happy to get the loan and get started on my new home improvements.

Review posted by Chris Soloman

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  • Ease Of Use
  • Value For Money

I applied for a loan with Sainsburys after receiving a letter through the door advertising a 4.4% rate for Nectar Card holders. I though this was great and could not wait to take advantage of this offer. With bonus rewards and collectable Nectar points i use this card weekly, if not a few times a week.I applied on 17 Agusut, by telephone and was accepted and approved in principle and received the Agreement on 19 August , returned it on 20th the next day. The money was in my bank, as of the morning, 24 August. I cannot fault you as a company. I already had a loan with you in the past and using the new loan £11,500 to pay off and consolidate my other debts.Happy Sainsbury Customer

Review posted by Owen

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  • Ease Of Use
  • Value For Money

I have hear of sainburys before but i always though this a large supermarket company. I was recommended to use them from a friend at work when i was talking about doing some refurbishments in my home. I did run a few comparison searches to find a good interest rates but i knew from previously borrowing money this can change so i didnt pay to much attention to this at the start.Sainsburys bank helped me out when it came to a loan to make some improvements at home as i did apply and was accepted for a small persona loan. Not only did i get an ok interest rate i also have a new loyalty card and i can save money in other ways. On my glossary shopping and also on petrol for my car. This is a great service they offer.

Review posted by Adam Welsh

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  • Ease Of Use
  • Value For Money

I found the set up very easy to use and had customer service adviser always on hand to help. They have there own customer log in online and you can manage and keep an eye on your accounts with them. I have a few different accounts now with the company and have been more than happy with my services. My new loan application was no exception to this. Filled out online and applied with a few clicks of a button. Extermaley simple! I have also been told i can pay this off early with no further or additional charges. This is a great option that not a lot of other lenders offer.

Review posted by Lucas Martin

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  • Ease Of Use
  • Value For Money

I am happy with my service i have had with sainsbury bank. I am a current account holder still with the bank now that i have paid of my personal loan in full. I had no issues with this made all payments on time and closed when last payment left my account.When i took out my loan it was online and was straightforward to do as i have my online banking set up for years. This took me minuets to do this. I like how i can manage my accounts myself online and i feel i have a control of my finances better this way.I would like to share my good experience with you all and i hope you use sainsbury bank in the future. An if you do, i hope they help you as much as they have helped me.

Review posted by Andy Forsyth

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  • Flexibility
  • Ease Of Use
  • Value For Money

Decided to give Sainsburys Bank a go for a 10 k loan because it was offering a low interest rate of 4.6% over 5 years compared to my own bank. Who had offered me around 6.4% for 10 k over a five year period.It was mostly to consolidate some debts and a little extra to buy a new flat screen television with built in dvd player. Next thing I know I have some sainsburys guy calling me asking me how much the TV would cost me so i could borrow the correct amount and processed with the loan application. I said I did not know and i could need to look into this further and he would call me back. I was approved for enought money to buy my new tv and to put all my debts in to one monthly payment. Thank you for all your help Sainsburys

Review posted by Thank you Anon

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  • Flexibility
  • Ease Of Use
  • Value For Money

I would use this service again if i need a personal loan. Happy with the whole service i have had being a Sainsbury Bank customer and looking forward to continuing being a Nectar card holder. Nectar car i originally applied for when i took out the loan as i was told about the benifits, and over the past 3 years or more being a customer this card has saved me hundreds and hundreds of pounds! This also saved me some money on the loan and it can help with the APR rate.Great customer service staff in there uk call centers and nice user friendly website.

Review posted by Abdule

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  • Ease Of Use
  • Value For Money

My loan has been finalized and closed a few weeks now and i am taken the time to leave some feedback.I dont remember taken out the loan it self, but i do remember it was done over the phone as im not so good online. I did manage and keep a close eye on my account with there online service. I have since received some emails asking about myself with sainsbury and also given me some great offers. Sainbury has growing so much over the years and it is good to see that a loyal and trust worthy company have so many good products and services to offer and they have great loyalty and new customer deals. Sainsbury is all in all a GREAT company Always there to help

Review posted by Edward

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  • Flexibility
  • Ease Of Use
  • Value For Money

Looking at my financies recently and always in my overdraft at the end of each month on my current account i called sainbury to see what options i had. I have had my current account with them since i was a teenager and all my payments go out form this account and my monthly wages go in.Speak to a trained financial services adviser i started to look into a person loan to consolidate everything into one monthly payments and have all my accounts with Sainsbury. Once i was accepted for the loan, they helped me move my savings account and joint checking account over to there bank also. No matter when or who i speak to when i call they are always happy to help and always so friendly over the phone.

Review posted by miss hannah lesh

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  • Ease Of Use
  • Value For Money

This is not only a review, as it is useful to others in a similar situation. My parents don't want me to leave their house even now I'm 31 years old. The reason is that both of them aren't the youngest anymore and my mother sits in a wheelchair. I'm responsible for the household which I do in combination with my job as webdesigner, working from home.The house we live in is too small, at least not big enough to lodge everybody in a decent and comfortable way. My bedroom, which is used as an office doesn't offer me the space I need and can't be extended in the way we wanted, on the first floor.This very unwanted situation, together with the desire of both my old folks made me think for a solution which I found. My idea was to build an extension to the house to be used as a new office.At the local supermarket which is Sainsbury I picked up a brochure which I found about their personal loan program. After some calculating I estimated that the money I would need for the construction of the annex was within range of Sainsbury's limitations, and so was the amount I calculated needed per month for the payback.The online application on their well performing website went smooth. I opted for a payback spread over 5 years which was accepted as well. I can't say that there was something I didn't like about their service so I keep it this way. From me a big plus for Sainsbury.

Review posted by Steve Barrett

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  • Ease Of Use
  • Value For Money

I know that Sainsbury's is where most people shop, including me. I had also heard they are absolutely top notch when it comes to giving personal loans. My wife and I were due a special holiday and because our daughter had just married a large chunk of our savings had been syphoned off. This led to me applying online for a personal loan with Sainsbury's Bank. Their service was excellent and their rates unbeatable. We went for the Shopper Reward Loan which is all about bonus Nectar points which my wife knew all about. The amount we wanted was nothing too serious and after the usual checks it was approved. We also agreed that we would pay off the debt over a 24 month period. I would recommend Sainsbury's Bank to anybody.

Review posted by John Stanton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

If it's a personal loan you're after I recommend you pay a visit to Sainsbury's Bank. They are the best I've ever used. So flexible and easy and it can be used for whatever you decide. All they need from you obviously is a positive credit score. My score was good enough to qualify for a really good loan and it was so quick, all carried out online. They even give you a guarantee that they will beat any rate offered by a similar bank as well as bonus Nectar shopping points. And their services don't end there. Congratulations Sainsbury's Bank.

Review posted by Stuart Massey

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  • Flexibility
  • Ease Of Use
  • Value For Money

The family has been shopping at Sainsbury's for years not really aware of all the different financial services they have on offer. So browsing online I had a good look and was amazed that their rates for a personal loan had far more anvantages than the regular High Street banks. After discussing with my wife we decided to apply online for a personal loan as a second car in the family was becoming a necessity.The usual credit checks were carried out and after a bit of red tape concerning my employment and income etc the loan of £8000 was a.pproved. The interest rate was unbeatable and we elected to repay over 60 months. So now we have our second car and my wife has thousands of Nectar shopping points. Thank you SAINSBURY'S BANK:

Review posted by Wallace Michaels

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  • Flexibility
  • Ease Of Use
  • Value For Money

I've used the payday loan system on a few occasions and must admit that I found them to be convenient, although the amount was never enough and found myself running straight back to them. My mother suggested I try one of the supermarket chain banks and because mothers are always tight I approached Sainsbury's Bank by phone and after my creditworthiness was checked out and proven to be very good, in fact, the loan was approved instantly. I wanted to borrow £6000 and repay over 60 months.Sainsbury's Bank were super efficient and the money was in my account soon thereafter and my mother really happy with her bonus shopping points. Sainsbury's Bank are highly recommendable.

Review posted by Eugene Markham

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  • Flexibility
  • Ease Of Use
  • Value For Money

I lost my job about 4 years ago after being employed by the same company for 12 years. It was quite a setback and the worst was that in the 3 years it took me to become gainfully employed again I'd just about used up all my savings. Although my wife remained employed her income was just not sufficient to maintain our standard of living. We're now once again on our feet and really deserve a holiday together. With this in mind we went online and asked Sainsbury's Bank for a personal loan of £4000. They were super efficient and after confirming our credit score and employment, residential and financial details the loan was approved and the money made available almost immediately at an excellent rate repayable over 36 months. Sainsbury's Bank are really at the top of their game.

Review posted by Evan Fitzgerald

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  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I were going over our monthly expenses and saw that we were paying various niggly debts each month, most of them at bad rates. We shop at Sainsbury's and know of a few people who have used their loan services.It was then we decided to apply for a personal loan with Sainsbury's Bank so that we could do a kind of debt reconciliation. We needed £8000 and that would settle all our debts and then we'd only have basically one monthly instalment to pay at a much better rate. We'd be saving so much. Sainsbury's were wonderful and after the normal credit checks ( my wife and I both have steady jobs ) the loan was approved. We chose to repay over 60 months which was a blessing. Cannot believe how our lives have changed after getting rid of all the little debts. Thank you SAINSBURY?S BANK:

Review posted by Timothy Matheson

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  • Ease Of Use
  • Value For Money

My son Mark is pretty resourceful. He is 21 years old, does part time work, owns his own little vehicle, pays his fair share towards the upkeep of the house and never asks me or his mum for a penny. All until now. His car needs a major repair job and he doesn't have the cash to do it.His mother told me about Sainsbury's Bank and we thought we'd apply for a loan on his behalf, Mark being the good son that he is. It was all done online and our credit checks must have been positive because the loan was approved. We asked for £4000 pyable over 36 months and the deal was that Mark try and pay his share of the instalment as his repair bill was £3000. Outstanding service Sainsbury's Bank and very fair too.

Review posted by Vincent Marshall

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Having lived together in a cramped 2 bedroomed apartment fot the last 5 years and little Warren being born a year ago , it had become vital that we move. Incredibly we found exactly what we were looking for. We found a 3 bedroomed little cottage with a fenced in garden that however needs a bit of work. Moving costs are not cheap but we took care of those.The next thing we did was apply online for a personal loan from Sainsbury's Bank. We always shop there and they were great. My wife was also back at work and I believe our credit score was good because the loan was approved very quickly and the £6000 we asked for was deposited into our account. We're both keen gardeners and this helped to buy all that was needed i.e. lawnmower, storeage shed, garden tools and a beautiful kennel for Warren's new puppy. Thank you so much SAINSBURY'S BANK.

Review posted by Quinton Thorpe

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As soon as Summer leaves us Xmas is on us and unfortunately we overspent these summer holidays. Xmas is particularly special for our family and I knew we would be a bit short. My wife told me about Sainsbury's Bank and without hesitation we applied for a £3000 personal loan. Everything was done online and so easy. The usual credit checks and the loan was approved. We decided to pay it off over 24 months., which was comfortable. The rates were great and my wife gets all the bonus shopping points. I would certainly recommend SAINSBURY?S BANK for their efficiency and professionalism.

Review posted by Spencer Jackson

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We've always done our shopping at Sainsbury's and a short while ago we moved into a new rented apartment. As we all know to move home has expenses that we don't ever budget for. Thank goodness we had some savings which covered the move, but we needed some new furniture and that's when the idea struck us that a personal loan would do the trick and Sainsbury's Bank would be ideal because we knew about all their financial services. We have a good credit score and after the regular checks were carried out we were granted the loan or £5000 and it was agreed we would pay it off over 5 years with equal monthly instalments. The entire process was done online and so easy and hassle free. Thank you Sainsbury's Bank.

Review posted by Bruce Shaw

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From the day I applied online to the day the money was in my bank account under ONLY 8 days! Brilliant! Brilliant Service! I applied online on the Saturday,night and got a email asking me to call for further details on the Monday from 9am till 5pm. This turned out to be just to find out further information for the loan approval. The forms sent out to me and I received them on Wednesday, sent them back that same Wednesday. The service was very fast i was impressed when the money was in my bank on the Monday. I could not recommend this company more Thank you for your service.

Review posted by Anon

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My oldest son passed his driven test a few weeks ago and i was in need of some extra cash to help him purchase his first car. He was borrowing my car but it in in need of some repairs and renewals and I want my son to be safe.I was attracted to Sainsburys threw there advert on tv that was advertised rate of 4% APR for loans, so I filled in the form online. Cutting a long story short, they offered me a loan with nearly 1.5 % more than advertised. A was still very happy with this rate ,So I gave Sainsbury's a shot and accepted this offer.I found Sainsbury website was exceptionally informative, and stated among other things that the advertised rate of 4% APR was for comparison purposes only. This did make me feel better knowing that not all customers get the low low rate and most people would be offered rates up to a few percentage points higher. I wasn't sure what to expect when i first contacted Sainsburys but i have been happy with there service and glad i contacted them!

Review posted by Yolanda

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Distressing and humiliating experience on the telephone with my own bank when trying to get a personal loan account. My local bank i have had my accounts and mortgage with them for 32 years. - the have always assisted me in the past but now they could not, offering me a loan rate of 12.6 %. I understand the banks since the financial fall in the market are harder to borrow from but why advertise low rates if it is impossible to get.Not impressed with my bank i spent a few days looking around for another loan provide and stumbled upon Sainsburys. I know other supermarkets who have branched into other services like banking. I just didnt know Sainsbury was one of them.I picked up the telephone and gave Sainsbury a chance to see what rate they could give me. I was offered a rate of 6 % on a loan of £7,000 over 2 years. This was extremely affordable and i am still impressed with Sainsburys service and always tell my friends how lovely there employees are.

Review posted by Mrs Jane Wood

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I Had a loan account with Sainsbury Bank for twelve months. I have found as long as you pay your monthly repayment by direct debit and on time there is no hassle and no contact from the bank. I also have a savings account with them that i pay into monthly and has a good Rate but only works if you don't need your money in a hurry. As to take money from the account is a whole other process and it does not works fine.Also as for the customer service its ok, Not brilliant. Their nectar credit card though Great and in my opinion has always been great. It has a all round use anywhere card and you get points each time you use it. The reason i took my loan with Sainsbury was not there ok APR rate it was there offer to get extra 10000 nectar points when taken out the loan. And another 200 once i paid this off on time with no missed payments.

Review posted by Alison Baird

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I have a small loan with sainsburys which I original took out 16 months ago. Recently i fell into arrears with the payments and i had to call them up. I was worried but i did explained my situation in which customer service's managed to arrange payment dates and they helped to spread this out to make this easier for me to pay the final months of the loan.The customer service agent was very professional and helpful. This my first loan and only with them so I can't comment on the other services. However I would highly rate them for a short term amount loan as it helped me.

Review posted by Alan

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I've had a loan with Sainburys for around 3 years, i took this out over 5 year period because they said they accept over payments. So when i can pay extra i can make this payment, but as i found out this is not easy to do, What they don't tell you when you are taken the loan, is if you overpay their system then struggles to cope with your account on the online banking.The first time I called up to make an over payment on my loan i found out they don't accept debit card payments. So i made an internet transfer. I was told when doing this i had to call them to advise of any extra payments that i was going to make, I asked why and was told so they could monitor the account. No one told me this at the start when taken the loan out this is a little upsetting. I've paid lump sums of the loan these past few months to help shorten the whole term of the loan. Whenever I ask for a settlement figure they always state is takes 24 hours to calculate so i never go ahead with the request.Overall the service i would rate is ok. There are a few things they could improve in the future.

Review posted by Megan Fallon

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I have had loans with Sainsbury's in the past, its been a few years now since taken out my first one with then. I find that Sainsbury always offer good rates and i have kept my Nectar card with them.I use this card weekly and the benefits are good when i took out my 1st small loan i remember got around 1000 points. The second loan was around the same 1000 points, this helps with food shopping and petrol. My mother always says every little helps, and its true.I saw the new offer and was happy to see now the offer loyal customers like my self even better reward points. I applied in August for a new loan online and it was simple as they still have all my details when i type in my Nectar account number. I just updated a few new details and i had to email some new identification to them also but i was approved and accepted the same day. My reward points took around one month to go on to my card i was told i had to make my first repayment before they would give me the points.When you phone, the call gets answered much quicker than with other banks by somebody who is always pleasant and helpful.

Review posted by Thank you Anon

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My personal experience was very positive when dealing with Sainsbury Bank. I applied online for a personal loan threw there nectar reward points scheme. I needed the funds ASAP and they did offer the courier service to me at a cost of £49 which I declined. I find that to be expensive to send documentation in the post. I received the paperwork to sign in 2 days of being contacted and the money was in my account within 6 working days from the initial application. This was a fast service threw the post.When I rang the staff with a query they were very helpful. I did read the reviews and was a little worried but I am very pleased to report my dealings with them have been excellent and I would definitely recommend them to my friends.

Review posted by John Kerry

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Sainsbury bank has not just helped me but has helped my family own my mothers house and be able to put the sudden death of my mother to a close. The financial adviser i spoke with from there UK call center will go out of their way to help you. I have the most respect for them as they actually try to get to know their customers. They listen to my very difficult family situation and offered me compassion and understanding threw out my call. They were never pushy with me and gave me advise and options to help my family. Since taken a loan with Sainbury i have moved all mine and my children's accounts to them and I have been really happy with the service provided online and over the phone.

Review posted by Mr Admin Patel

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When writen my review i had a look at a few others and i have no idea why a handful of people are giving Sainsburys just ok or average reviews!For me they are 100% the best people to do banking with, better than any other Supermarket bank! I love them so much when they send me the occasional emails letting me know off offers or reward points. When i was at uni i went overdrawn loads and and had many bank charges and they helped me out then with a student over draft. When i was pregnant and looking to open an account to save for my baby (my daughter) they helped me with no issues set everything up.The reward card i got when taken out my loan this year and i could not be more satisfied as a customer. What other bank lets you borrow money with a LOW APR and gives you money back (reward points)Very happy customer here

Review posted by Jane Simpson

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We've been shopping at Sainsbury's for years because of the quality of it's products and the convenience so a while ago when the family needed a cash boost we just thought it would be a good idea to approach Sainsbury's Bank for a personal loan and it was. We applied online and asked for a loan of £5000. It was really a simple matter with very little red tape. All they really wanted to know was about my employment and financial status and once that was all cleared the loan was approved. Wonderful service. We decided to repay over 3 years which was easily affordable and their interest rates were more than fair. After a few days the money was in our bank account and my wife was thrilled with the nectar bonus shopping points.Thank you Sainsbury's Bank.

Review posted by Richard Forrest

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Being Sainsbury shoppers it seemed the normal thing at the time to take out a personal loan with Sainsbury's Bank so we could sponsor our son's first holiday abroad without us after he graduates.His mother and I applied online for a £2500 personal loan which we thought would be more than enough for him to spend a week in Mykonos. It was all so easy. The normal affordability checks were carried out and completed almost instantaneously and the loan approved. We elected to repay over 24 months which was really convenient and our son had his holiday all thanks to Sainsbury's Bank.

Review posted by Edwin Edmonds

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We are a retired couple but have low pensions. Because my wife is now having mobility issues we decided that some modifications were needed on our home. The builders quotes were quite high for us to pay in one go. We only needed a short loan with sensible payback amounts which we could afford on our pensions.I found the website easy to use, especially as i find this technology mindblowing at times. I was able to speak to someone from the company who was able to explain how everything is set up! We have a reasonable load with manageable paybacks and the service was excellent.

Review posted by Geoffrey, Saffron Walden

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In and out of Sainsbury's almost on a daily basis and not realising they offered financial services as well. My wife was the one that spotted it and we'd been talking about doing some renovations at home for quite a while. Our eldest son had just moved out after getting married and we wanted to remove his bedroom and renovate the kitchen.We applied online with Sainsbury's Bank and the loan of £8000 was soon approved. Our credit score is high and the money was ours as soon as we'd signed the loan agreement. The repayment deal was 48 months which suited us fine at a very good rate too.Thank you very much Sainsbury's Bank.

Review posted by James Willoughby

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With Christmas on the way and our family being very close, my wife and I decided to take out a personal loan with Sainsbury's Bank so we could do all the Christmas shopping nice and early this year and include the presents as well. Three children of our own, their three spouses and six grandchildren. I'm sure you agree it's quite a bill.So we applied online for a personal loan of £3000. A few credit checks were carried out and the loan approved almost immediately. As soon as the loan agreement was signed the funds were transferred to our account. What also pleased my wife was were all the bonus nectar shopping points she'd receive as we chose to repay over 2 years. We really like Sainsbury's Bank.

Review posted by Christian Whitehead

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It's the time of the year when I always find myself a bit short. The period between the end of summer and Xmas. In the past I always stuck it out, but this year I decided to apply for a personal loan of £5000 from sainsbury's Bank. The application was done online and the criteria met. Affordability, employment and residential status is what they need to verify. The loan was approved very quickly and as soon as the loan agreement was signed the money was transferred to my account. The deal was that I repay over 36 months which suited me down to the ground. Good on you Sainsbury's Bank.

Review posted by Keith Atkinson

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My wife is shopping crazy and I am rugby crazy and with the world cup on home soil it was my intention to watch as many games live as I could afford. My wife was the one who suggested I apply for a loan from Sainsbury's Bank, so I did. I went online and filled in the application requesting £3000 and the approval was almost immediate after their credit checks. My credit score must have been positive and my residential and financial status were verified and soon thereafter the money was in my account. I elected to repay over 12 months which suited me fine. Thank you Sainsbury's Bank.

Review posted by Brian Jenkins

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My wife has the honour of being the world's best shopper, so much so that while shopping she found out more about Sainsbury's Bank and their really useful and user- friendly personal loan structure. We needed to do some repairs on our house and at the same time take a well earned week's break from our daily routine.We applied online for a £10000 personal loan and requested that we pay it off over 48 months.We certainly didn't expect the speed at which things were done. Our loan was approved after the normal financial checks were carried out and soon thereafter the money was transterred to our account and my wife was really pleased with all the bonus nectar shopping points she'd receive.Thank you SAINSBURYS BANK

Review posted by Colin Shaw

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What a great experience dealing with Sainsbury's Bank. The process was very easy and quick which I was pleased with as I needed a fast decision to take advantage of a special offer on a piece of electrical equipment I needed.I can highly recommend Sainsbury's Bank as a cut above the rest. Their online application was a snip and I liked the idea of earning Nectar points as a bonus, although the interest rate went a little higher, but I thought it was worth it as I shop in Sainsbury's all the time and I can collect a lot more points to go shopping with. Brilliant!

Review posted by Patrick Stanley

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As I collect a lot of Nectar points I figured I should pursue a loan with Sainsbury's Bank to booster my pot of points. I needed to repair my car before its MOT inspection and I did not have the funds available. So I applied online. The online application was pretty easy although I had some questions I needed to clarify. So when I rang the customer service line, they answered my queries and I was able to continue with the application. They were very helpful.I received a favourable decision and obviously was very pleased and satisfied with the whole process. I was able to get my car fixed fairly quickly and am back on the road while earning more points, pretty cool.

Review posted by Susan W.

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Unlike some of your reviewers I don't shop at Sainsburys much and I wouldn't say they're my favourite supermarket. BUT my mum does and is and it was on her advice that I applied for my personal loan with them. In our household, never mind 'cash is king' its Nectar Points that count and that's why mum insists we all have a Sainsbury's reward card. If she's not the one doing the food shop she wants to make sure one of us is getting the Nectar points.So back to the subject of my personal loan. I went online to get a quote from Sainsburys with mum hovering around in the background and I had to resist the urge to jump up and give her a big hug when my application was approved subject to the relevant credit history checks which I knew would not be a problem.Within less than a fortnight I had my personal loan and the money in my bank account ready for me to plan my next step which was to propose to my girlfriend with the best engagement ring I could afford thanks to Sainsburys.

Review posted by Darren Ball

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My twin sister is getting married in the new year and for as long as I can remember I had always promised her that I would buy her wedding dress for her. It was as a kind of reward for all the years I had borrowed her clothes, mostly without her permission and her not really minding. She always had the better job back in those days and could afford the latest fashions while I was still at college and not earning much in my various part time jobs.I am the big earner now thanks to getting my final qualifications and I was determined that my sister would have the wedding dress of her dreams. She still has expensive tastes when it comes to fashion so I knew I would need a loan to help me out.After a bit of online research I opted for a personal loan with Sainsbury's Bank because their terms and conditions seemed really straightforward and I chose the Shopper Reward Loan because I liked the idea of getting all those extra Nectar points.I have taken the day off work tomorrow so that I can help my sister choose her wedding dress and it will be lovely to be able to say to her "don't worry about the price tag, just leave that to me". But I will be steering her well away from the Haute Couture designer ranges because I'm not that well off.

Review posted by Ellen Foster

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It was my girlfriend's idea to get a personal loan to pay for the deposit on the flat we wanted to rent. We also needed to be able to furnish it and didn't want to end up with all our family and friends donating all their old unwanted stuff on us rather than taking it to the local charity shop or worse still the council tip. This was going to be our first home together and we wanted it to be perfect, so getting a loan was essential if that was to happen.I have a good job working in a local solicitors and my girlfriend works in Sainsburys as a Junior Manager and that's why she suggested them for a loan. So I did a bit of online research during my lunch break and decided Sainsbury's were offering personal loans at a good competitive rate and I knew we would be able to put all those extra Nectar points to good use.I got the loan for the amount we needed and now that the deposit is paid and our flat is secure we can start looking for furniture ready to move in next month.

Review posted by Craig

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My family has been Sainsbury's shoppers for many years and it felt right to bypass other loan companies when the need arose a short while ago for me to request a personal loan from them.I applied online and asked for £5000 and was delighted when the loan was approved without much red tape other than the regular credit checks. I then signed the loan agreement electing to pay back the loan over two years which suited my pocket. The interest rates were more than competitve and the funds were made available soon thereafter. My wife was also really pleased with the bonus shopping points that came her way. I thank SAINSBURY'S BANK for their efficiency and customer service.

Review posted by Barry Chalmers

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Went with Sainsbury's for a personal loan when I needed a ticket to go and take care of my Mum when she fell ill unexpectedly. I had not ever done this type of thing so I decided to call and be sure to get things done (I'm a bit old fashioned like that!). They were really helpful, and explained the process in simple english, went through the application and I had the approval on the spot. I was happy that as an added bonus I could get the nectar points (I use them for fuel or travel costs). I am sure that I could have got on myself online but it was nice to have a friendly voice at the end of the line and no long waits!

Review posted by Lucy Williams

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My name is Joanne, I'm forty-something ;) and I began using the banking services at Sainsbury's when I got their Nectar dual offer card. I loved that there was a way to collect something for my spending, and make good use out of it. I needed a personal loan when I experienced some health problems and needed to hire private care temporarily. I noticed they had a Shopper Reward option, which would give me not only a bonus but double points for 2 years, the period in which I would likely pay it off... big score! I've been very satisfied with the APR they gave at application time, and am managing well with the payments. Best of all, I get an extra incentive to shop! Good deal all around :)

Review posted by Joanne

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Normally I shop at Sainsbury's for their organic selections at good prices, I began to notice more and more promotion of the banking and financial services. I popped in one day to exchange some currency and was quite satisfied with the service and exchange rate. The same day the rep was telling me about their loan services (wasn't interested at the time) but I recalled that when we were faced with a giant vet bill and I had exhausted the option of loans from family and friends. Was in a bit of a tight spot so I applied and got approved for a small personal loan. I was happy with the result and must say I'll start thinking of them more for financial services, not just my health food!

Review posted by Eileen M.

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Firstly, I would just like to say that I applaud any company that doesn't discriminate against people like myself that are the wrong side of 60 and Sainsbury's Bank are a shining example of how the older generation deserve to be treated with the same consideration and respect as any other potential borrower.I am about to celebrate my 70th birthday and with the help of a personal loan from Sainsbury's Bank my husband and I are about to go on a wonderful cruise to mark this milestone in my life. We took out a similar loan with Sainsbury's Bank 3 years ago to do our first ever cruise to celebrate my husband's 70th and we loved every minute of it and decided then that we would, God willing, do the same for my 70th.So here we are packing for our cruise and with all the lovely extra Nectar points we have I have bought myself some very nice evening dresses just in case we get seated at the Captain's table again like the last time.

Review posted by Leslie Potter

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Only my wife can go out to buy a pint of milk and come back with a new kitchen. Well that's the short story, but the full story is she popped into our local Sainsbury's supermarket to get the aforementioned milk and a few other bits and that's when she noticed the leaflets at the checkout advertising Sainsbury's Bank loans.By the time she had got home she had decided she wanted a new kitchen and hopefully a loan from Sainsbury's Bank was going to help make it happen.I know not to argue with the wife when she is on a mission and instead I just sat down with her and did the online application, half hoping and half expecting for our application to be refused. But within minutes we had been given an initial 'yes' subject to the usual credit history checks. I knew then that we would be getting the loan because we have no problems in that area of our finances.Within less than a week we were approved the loan and the wife is busy designing her new kitchen and the moral of this story is when you run out of milk don't let the wife go to Sainsbury's to get it.

Review posted by Pete Middleton

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If I ever need to borrow money again I will definitely go back to Sainsbury's Bank to do so. I had all but given up getting a loan because of all the problems that were possible with most of the online lenders.When I went back to work after having spent most of my lunch break looking on a number of loan comparison websites and just getting more and more frustrated, the restaurant where I work had run out of parmesan cheese and my boss sent me next door to our local Sainsbury's to get an emergency supply to see us through that day and that's when I realised that Sainsbury's Bank was an option I hadn't considered before.I made a point of looking at their website as soon as I got home and before I knew it I had been approved a loan for the amount I needed at a rate I could afford.Two weeks later and the money is in my account and the trip to Italy for my family and me to see my parents for the first time in 5 years is booked and we are very excited about it.So on behalf of me and my wife and children, I just want to say a big thank you to Sainsbury's Bank and also a thank you to my wife for typing this and correcting all my very bad English!

Review posted by Marco Pisani

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All in all I can say my experience of taking out a personal loan with Sainsbury's Bank has been fairly easy and straightforward. With my wife's help we looked through several websites for other lenders including our own bank but we kept coming back to the Sainsbury's website because we just liked the whole idea of borrowing money but being rewarded with Nectar points for doing so.Ironically, as it turned out we didn't go for the Shopper Reward loan but instead of bonus Nectar points it helped that for the Standard Loan Sainsbury's Bank guaranteed to beat any rate being offered by a competing bank on a like for like basis. This meant we were sure we were getting a competitive deal on the Standard Loan which meant a lower APR rate and that was more important to me, but I can't speak for the wife on that point!

Review posted by Brian Caldwell

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I only work part time now so my salary is much lower and so I thought I might have a problem getting a personal loan to pay for my trip to Canada to see my sister and her family for Christmas.That wasn't a problem for Sainsbury's Bank who almost immediately approved my loan application over the telephone. They explained that they had to do the usual credit checks but if that went well they would be confirming the loan within the next few days and guaranteed the money would be in my account in plenty of time for me to go ahead and book my trip to Canada.I was also delighted to discover that because I had opted for the Shopper Reward loan I would be getting lots of bonus Nectar points which will come in very handy for Christmas shopping.

Review posted by Jill N

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It was thanks to my sister that we applied for a personal loan with Sainbury's Bank to pay for our new conservatory. She had just done the same to get the money for her daughter's wedding and she said we should give them a try.We had initially thought about approaching our own bank but we weren't particularly happy with the way they had dealt with another matter several months ago and so decided against it.Sainsbury's Bank have turned out to be a very pleasant surprise to us and we couldn't fault the way in which they have handled our loan application. Work is due to start on our conservatory next week and we should have it all completed in time for Christmas when it will be doubling up as an extended dining room to facilitate all our family who are joining us for traditional Boxing Day gathering.We just wanted to tell everyone viewing this website how happy we are with the service we got from Sainsbury's Bank and we will certainly be recommending them to any of our friends who might be looking for a similar loan.

Review posted by Viv & Tony Bartlet

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I used to work for Sainsbury's on the checkouts when I was a teenager back in the late 90's and I have always been fond of the store but I never dreamed I would be taking out a personal loan with them to pay for my wedding.It was only because we had gone on to the internet to look at loan comparison websites that we even considered Sainsbury's. But we are very glad that we did because we have just been approved a loan with an APR that my fiance is very happy with and although I was tempted to go for the Shopper Reward loan to get all those bonus Nectar points my fiance insisted we opt for the Standard loan which comes with a lower APR and a Price Promise guarantee.Now that we have the money for the wedding sorted I just know he is going to take a back seat and leave the rest to me, but I don't mind because he may be good with money but he doesn't have a clue when it comes to planning a night out let alone a wedding!

Review posted by Anne Whitely

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have to say after reading the reviews I was worried as I had already applied for a £5000 loan.. But all credit to Sainsburys I have not had any problems the application was easy, had a email confirming that I had been accepted in principle, 2 days after received forms to sign sent back via Special delivery they would of received them Wednesday and today Friday the money is in my bank account. Also got the 4.5APR Advertised. I highly recommend as I was not scammed like most people told me. They were quick and easy, what else can you ask for when you're in a one way situation? Thank you Sainsburys

Review posted by Ryan Curtis

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I was recommended by a friend who had taken out a loan out with Sainsburys to use them for a new loan for myself. As soon as I I applied for the loan, i decided to Google some reviews and to my shock there seemed to be a great deal of negative reviews.However the paperwork was sent out quickly , I returned it, was thanked via email and then told that the money would be in my account within three days, in fact it only took one day for it to appear.Also I received the advertised 3.6% apr as advertisedCheers Sainsbury's, you made my day!

Review posted by Barbara B.

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Applied online decision was yes in principle so thought yeah right that's not going to happen after reading recent reviews... I expected a phone call /letter or email to say sorry declined , instead received an email stating loan in principal agreement in post?? 2 days later agreement came stating terms 15k at 3.7APR!!!!!! Again stating in principal so filled it in on a Wednesday so earliest they could poss receive Thursday .... Heard nothing checked my balance early Monday to my surprise it was all there!!! Fantastic service although maybe there communication could be a little better ... I still recommend... better then most places tthat I tried to apply for a loan and got a big fat NO!!

Review posted by Ariel D.

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I was in need for a personal loan as me and my family really needed a cheap escape, so I tried all travel agencies and was on-line every five minutes but there was no sign of a "cheap escape". I decided then too apply for my first ever loan on-line with Sainsbury's and I was quite amazed! Fantastic service, quick, and easy to apply online. The interest rate was 3.9 I must say after reading some of the reviews I thought this might change when I received the documents but it didn't. It took 5 days from application to having the funds arrive into my account. I would definitely recommend Sainsbury's loans to family and friends.

Review posted by Sonali Limbachia

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To be honest after reading all the reviews after we applied I thought we have wasted a credit check! We got the reply 'approved in principle' then the e mail to contact them. We called the number hubby answered all their questions to be told all approved. Documents received the following day ( last Thursday) we posted the agreement back the same day and they received it on Monday this week checked the bank today and the money had been deposited so from our point of view fab service. I cannot see why a lot of people are rejected as hubby's score was low 900. Happy with Sainsburys and staff were helpful when calling. Highly recommend, I wasn't expecting so much, definetely satisfied!

Review posted by Ruth Gregory

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Applied for sainsbury's loan. Wouldn't accept bank details. Used a temporary account details and the loan went to approved in principle. We phone this morning, changed the bank details and was accepted in the same phone call. They have increased the percentage rate but im not overly concerned with that. Just to happy to get the loan and get started on my home improvements. If you are slow on the application it will time out and start again. Make sure you have all the information available before you start the online application. Even though I still recommend, they helped when I was desperetely in need after a messy divorce. Give them a try!

Review posted by Evie Lomas

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I applied for a loan with Sainsburys after receiving a letter through the door advertising a 4.4% rate for Nectar Card holders, with bonus rewards. I applied on 16 October, by telephone, was accepted and approved in principle and received the Agreement on 17 October, returned it on 20 October and the money was in my bank, 23 October. I cannot fault them. I already had a loan with them and was using the new loan £11,500 to pay off and consolidate my other debts. The girl on the phone while applying was extremely helpful and told me straight away I had been accepted in principle and explained all the paperwork. I got the 4.4% rate as advertisied, and this is really going to help me pay off my other debts, which are at a much higher rate. I was a little wary as I read the reviews AFTER having returned my signed paperwork however I am very happy with how this has been dealt with and would definitely recommend them.

Review posted by Joshua Duff

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I applied for a Sainsbury's loan on 01 September 2015 online. Prior to applying I read the same reviews and was very apprehensive. Should I have apply for less? Should I go with my own bank even though they might give me a higher rate? My Credit score is in the 900s and i have a mortgage. I was expecting the large mortgage to be an issue. But I applied. Got the dreaded "approved in principal" so thought here we go the slight elation of being accepted will follow with a dreaded call or letter in a few days saying "sorry but your declined". I got an email the same day later stating "we have sent out your agreement by first class post please sign and send it back". Along with another email two days later saying "you should have your agreement by now but if not it will arrive soon. Sign it and send it back". I waited 4 days no letter. I was becoming apprehensive anyways 5th day letter arrived. I signed and sent agreement back recorded delivery on Tuesday 6th. It arrived on 7th. I then awaited an email or call saying declined. I checked my emails everyday. It came to the weekend and I thought they have probably found something and have probably declined me but not bothered calling. Feeling dejected I thought I'll call on Monday morning to speak to them. At 1am this morning I logged in to my online banking to check and there it was. £25k from Sainsburys deposited about 20 minutes earlier. I can't praise the service enough. Fast efficient and no phone calls. No proof of income requested. I can only assume that some of the people that have been rejected either entered incorrect info by mistake or didn't declare previous addresses etc. Or maybe exaggerated what they earn. It could be a number of things. Then again it could just be Sainsburys using an unknown system to assess applications that isnt entirely based on your credit score I really don't know. But take it from me they do payout. My rate was 7.5% which is quite good for a 25k loan I think. Best of luck to all that apply.

Review posted by Simon N.

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I applied online for a Sainsbury's bank loan for £7,500 to consolidate an existing credit card borrowing. My credit rating at the time of application was fair/good ( around 870 points with Experian) beacuse of my high level of credit card borrowing (no other negative factors). My bank (Barclays) told me they are unable to offer me a loan although I'm with them for over 8 years; they have a full history of my finances management (i've never defauled on any payment or missed any direct debit), they knew how much disposable income I have and I had a loan with them a few years ago which was repaid early so their response was quite dissapointing. Back to Sainsburys, I then read the reviews on this website and got really worried that I have made a mistake. The reviews are really bad... It got me really stressed that the rate I'll get will be much higher than the advertised rate or I will get rejected which would negatively affect my credit rating and make it impossible to sort out my finances. The following day (bank holiday) I got an email confirming that my application was approved. I got the papers on Wednesday and the rate was 4.5%!!!!! I send back the paperwork the same day and got the funds today (Saturday). I'm so relieved and happy! and angry at myself for reading and believing the stupid reviews posted by people claiming they have an excellent rating yet got rejected/unfairly assessed by the loan provider. Please don't post untruthfull reviews on the web. It may make you feel better to express your frustration by lying to yourselves and the public but it's not helping people who are genuinely trying to bring their finances on track.

Review posted by Joss Stone

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After googling a lot and reading through 100s of reviews(most of them were negative), I applied for a loan(i always like to take chances.) So Loan details: Loan Amount: 10,000 Duration : 2 years Advertised Rate: 4.7% (after reading loads of reviews , i knew i will not get this rate) Rate I Finally got: 5.7% The Process So filled in the online application(which many have complained to be a long process and i DISAGREE)in 5-10 minutes. Immediately got the message:"Your application has been accepted in principal". Was really happy to see that page(mainly because all my previous credit-card application failed at this stage though my credit rating is in 900s). At this point, I though they will send the agreement. Waited for a day and then they emailed saying that they need some more info on my application and I should call them. SO called them, it seems my last name had a spelling mistake. Got it amended and then re-processed my application while i was put on hold(5 mins) and confirmed a quote: 10K @ 5.7 % and I happily agreed. Got the agreement sent in 2 days(1st class post) and I was over-joyed, signed the agreement and returned it(yes, no other documents/proofs requested). Then again I got back to searching google for chances of failure of my application at this stage(most reviews were negative for this stage as well). Waited for 3 days, no reply from them. Grew impatient. 4th day : Got email from sainsbury's saying that they still have not received my application. At this point, I thought, ok either application got lost or this is definite rejection.6th day, got letter from sainsburys saying that my application is complete now (bt no mention of when i will get money or anything else). Out of curiosity, checked my bank account, and guess what, on 4th day itself money was in my account. Was over-joyed and at the same time was cursing myself for not checking the bank account for last 3 days. So technically, exactly 4 working days starting from the day i posted the return envelop, i got the money in my account. In the end, very happy with the entire process. Happy that I did not go for Tesco, my friend applied there for same amount and same duration and he got 6% and had to submit proof of employment, proof of passport and all attested for 15 pounds or so.

Review posted by Nadine Campbell

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I applied for a Sainsburys loan last night and having read all the awful reviews on here, i decided to ring them today to check that all was ok.Spoke to an advisor who was really friendly and helpful. We went through a few details and i confirmed what the loan was for (debt consolidation). Me and my partner applied for a joint loan, and having registered us both with Experian today i know that my credit rating is 905 Good and his is 849 Fair.Great news tho... its been approved and we got the great 4.6% rate that was advertised. Couldn't be happier. Really glad i read all your bad reviews after we'd applied or i would have missed out on this great rate and service.All in all, extremely happy. Lets hope it's all processed smoothly and the good service continues! :)

Review posted by Sofia Sullivan

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I just got engaged and was planning my wedding and concluded that my budget just wasn't enough to fullfill my dream weading. Plus I already had a child to look after so most of my income would be spent oon bills or the baby. I then conluded I was in need for a bit of extra funds. I applied for a loan online for £3,500 last week was accepted in principle, I rang the loan department later that day to see if it has been accepted, lady went through my application over the phone and told me I had been accepted for the loan. 2 days later I received the loan agreement I signed and returned it the same day, 3 days later the money in is my account. Very happy with the quick and efficient service.

Review posted by Nicky Romero

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One tends never to budget for things that are not everyday occurrences and believe me they happen all the time. Things like cosmetic dental treatment, car repairs and the like. I found myself in this situation a short while ago and was forced to take out a personal loan. I researched for quite some time trying to get the best deal and settled for Sainsbury's Bank relying on their credibility and their wellknown name. It turned out to be the perfect choice.I applied for a personal loan of £6000 ONLINE and the approval was almost immediate. The normal credit checks followed and once the loan agreement was signed and I had agreed to the repayment structure over a 3 year period, the funds were transferred to my account. No red tape and total professionalism. So I recommend SAINSBURY'S BANK with confidence.

Review posted by Terence Shaw

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After I applied I did read some of the reviews on this site, but I am pleased to say my personal experience was a very positive one. They did offer me the £49 courier service which I declined, but I received the paperwork to sign within 2 days and the money was in my account within 6 working days from my initial application. I did send back the paperwork by Special Delivery which cost me £4.80 which was is alot cheaper than the courier service they do offer. When I did call them with a query their staff were very polite and helpful and my experience has been a very positive one and I would certainly use them again and recommend them to my friends.

Review posted by Ingrid Taffinis

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When I was buying a new car, I searched the internet for the best deal available. Sainsbury Bank offered one of the best rates available. The loan was agreed over the phone and arrangements made for a courier to deliver the cheque at my convenience. I was allowed a set time to examine the details and to accept the terms of the loan. A payment holiday was offered, deferring the start of the repayments for a three month period. There was a small payment to receive this service which supported my financial plans for the purchase of the car. Highly recommended this company as they helped me when I was in need!

Review posted by Andrew Lomas

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I was desperate to get the money for the deposit and first month's rent on a flat that had just come on the rental market at our local estate agents but didn't want to approach my bank because I had been refused a loan from them a few months earlier when I wanted to buy a car.After that refusal I decided to stick with my current car for a bit longer, but getting my own flat was not something I wanted to put on hold any longer and so I had to get a loan from somewhere.My mum suggested that I give Sainsbury's a try and I thought she meant getting a job there to earn a bit more money on top of my full time job salary but she just laughed and said she meant try Sainsbury's Bank for a personal loan.I don't know what I would do without my mum sometimes because I didn't realise Sainsbury's were a bank as well as a supermarket. I got straight on to their website and found out more about them. Within less than an hour I had been approved a loan subject to a credit history check.It was the credit history check that worried me because of my recent knock back from my own bank but I am glad to say that wasn't a problem and I have just had confirmation that my loan is official and the money is being transferred to my bank account in the next 24 hours.I can't believe I am about to have my own flat finally, and now that I know all about Sainsbury's Bank I will think about getting that new car with a loan from them when I have paid off this current one.

Review posted by Alison W.

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I only found out about Sainsbury's doing loans when I went on to the loan comparison website to help my girlfriend look for a car finance loan.She ended up getting her loan with them and that started me thinking about maybe getting a loan myself to pay for an engagement ring.I had been thinking of proposing to her on New Years Eve but it all depended on how much Christmas bonus I got from my job. If I could get a loan with Sainsbury's then it wouldn't matter how much my bonus was.So I just went for it and made the online application with my fingers crossed that I would be as lucky as my girlfriend and get an immediate approval which I did subject to credit checks.I didn't get the official approval for a few days and I thought it wasn't going to happen but then they contacted me to confirm it had gone through and now I am just waiting for the money to be transferred into my account.Now I just have to make sure I buy the ring before I get tempted to do the same as my girlfriend and buy a new car.

Review posted by Conor Sullivan

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Not only did I get a very competitive rate on my loan from Sainsbury's Bank but they also set out a monthly repayments plan that was much easier for me than other lenders had quoted.I suppose that is the main reason why I went with Sainsbury's Bank because it doesn't matter how good the APR is if you find yourself struggling to meet the repayments each month.My loan package with Sainsbury's Bank also came with a Price Promise guarantee so I know I wouldn't have got a better deal elsewhere for the money I wanted to borrow with the repayment amount I could afford. So the decision wasn't too difficult for me in the end.

Review posted by Wills

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A personal loan was what I needed a couple of months ago and went online to do some investigating and found out that probably the best deal could be had at Sainsbury's Bank. We've been shopping at Sainsbury's for years and had no idea that they offer all sorts of financial services too.The application was filled in online and the approval was granted almost immediately. My credit rating must have been satisfactory. I requested £5000 and accepted the repayment package over 3 years which was comfortable. The instalments were to be paid monthly via a debit order. As soon as the loan agreement was signed the money was made available. Really helpful and I would recommend Sainsbury's Bank to anybody.

Review posted by Frank Emerson

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I had just finished a 6 year relationship and was feeling really down. My mother, of all people, suggested that I go away somewhere and have a really good time to lift my spirits once again. I thought I'd take her advice and go off to sunny Spain for a week and enjoy myself. The problem was that I did not want to go alone and my '' wingman'' Andrew couldn't afford it at the time. Our only option was for me to apply for a personal loan. He couldn't because he was busy paying off a loan and knew that another loan would not be approved. My mother also advised that I ask for a loan from Sainsbury's Bank which is what I did. All done online and with very little red tape. I asked for £3000 to be paid off over 24 months. Approval was almost immediate and soon thereafter the money was in my account. We had the time of our lives and all thanks to Sainsbury's Bank.

Review posted by Wallace Freeman

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I shop at Sainsbury's all the time and noticed on their advertising board the fact that they offer financial services as well as loans. I did not know that and thought I would look into it. I thought it was a pretty cool idea to earn extra Nectar points if you were accepted for a loan.I had been thinking about getting a loan for some home improvements so I went on line and looked at the application. I believed I ticked all the boxes to be accepted and completed the application. The process seemed quite simple and I did not have to wait too long at all before they responded that I could take out a loan. I went for the Shopper Reward loan so I could get the extra Nectar points. The waiting period for the money was not bad at all and I went to town on ordering my home improvements right away.

Review posted by Betty F.

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My wife told me about the financial services that Sainsbury's offered, so next time she went shopping I tagged along to learn more from their customer service. We had wanted to get a loan for an extension on the back of the house, there was no harm in finding out how the process worked at Sainsbury's.After having a few questions answered, when we got back home I got on line and looked at their website. The interest rate for the amount we wanted to borrow seemed reasonable and the wife encouraged me to use the Shopper Reward loan so she could get some more points. So I filled out the application and sat back and waited for their response. Happily my application was accepted and the extension to the house is underway.

Review posted by George Z.

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The sort of background I come from we dont use banks if we can help it. We only have a bank account so the wifes and my wages can be paid into it. I applied for a loan about 15 years ago and got turned down and I never bothered with them again after that.I work hard and earn a good wage so I can afford to pay my way and dont live beyond my means so when I decided to buy a new car I got my son to look on the internet for me and he came up with the Sainsburys loan. I wasnt surprised because a lot of our friends have had loans from the high street supermarkets and if we hadnt got the Sainsburys loan we would have tried someone like Tescos.But we got the Sainsburys loan and so my family would just like to say thanks for showing us the respect and consideration unlike my bank. My daughter in particular is delighted because she was fed up with our old car and was embarrassed to be seen in it and she is laughing at me as she is typing this review because she knows Im telling the truth.

Review posted by Jimmy Entwistle

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If they were giving out medals for multi tasking I would have a cupboard full of them by now. I have 3 children under the age of 6, two dogs, a cat and a husband that collapses in front of the telly as soon as he gets home at night.So this particular evening I excelled myself by cooking dinner for the kids, feeding the dogs and one very fussy cat before preparing and shoving a casserole in the oven for hubby's dinner and all this was going on at the same time as I was getting us a personal loan from Sainsbury's to pay for next years holiday.We've had our dinner, I've loaded the dishwasher and hubby is fast asleep in front of the telly and if he ever gets round to asking me how my day has been I won't know where to start but I'll make sure he knows its me he has to thank for next years holiday when he finally wakes up and takes the dogs for a walk.

Review posted by Linda P

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This is not a Bank-like. Customer service is very poor. I made an application once, and the adviser took my address for three months only rather than three years and my application was declined. My credit rating is excellent and well above the average UK. There was not any serious complaint handling. I very much prefer Sainsbury as food retailer but banking is not their piece of cake. I will never recommend nor ever thank to bank with a food retailer any more. I spent hours making the application, hours putting together the documents they requested and the whole process was waste of time. Surprisingly, I was not applying for any kind of credit account, I applied for long term saving bond where credit rating is of no relevance. I was very disappointed with the store I used to like as food retailer.. I advise all to bank with real banks at High Streets rather than with a Food store who wanted to be jack of all trades..

Review posted by claudia dabas

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I had been working really hard and felt that I had neglected my wife and wanted to spoil her so I thought a week in the Algarve might be just the right thing for both of us. As we do most of our shopping at Sainsbury's, we also knew that we could probably get a personal loan without too much red tape. We applied on line for a personal loan of £4000 to be repaid over 2 years and the loan was approved almost immediately, probably due to our positive credit rating.All that followed was to sign the loan agreement and the money was transferred to our account. What really pleased the wife was that she received a load of bonus Nectar shopping points as well. We had a great week and returned feeling refreshed and pleased and all thanks to Sainsbury's Bank.

Review posted by Jim Crawford

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I had put off the renovating and refurbishing of our house for so long it had started to bother me. There was always something else to do. On the last shopping visit to Sainsbury's my wife put her foot down and insisted that I ask Sainsbury's Bank for a personal loan to finally get our house in shape before the Xmas holidays.We went online to fill in the application and asked for £10000 with the repayment spread over a 5 year period. The usual credit checks were carried out and our credit rating must have been acceptable because our loan was approved. The next step was to sign the loan agreement and the full amount was transferred into our account. Comparing their interest rates to other companies I think we made the right choice. My wife also appreciated all the bonus shopping points and the work has begun on our home . Thank you so much Sainsbury's Bank.

Review posted by Francis Montgomery

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The hardest part about getting this personal loan from Sainsbury's was deciding whether to go for the Standard Loan or the Shopper Reward loan. In the end the lure of 5000 bonus Nectar points plus double points for the first 2 years of the loan was just too much to resist but I didn't tell my husband that.This loan is to pay for our daughter's wedding and he had entrusted both me and my daughter with the task of getting a suitable loan. Due to the fact that he wouldn't be getting much of a say in how we were going to be spending it he felt it was the least we could do.So with my daughter's help I have got the loan and even without taking the Nectar points into consideration I feel we have got ourselves a very good loan and as long as my husband is happy with the monthly repayments he need never know about all those Nectar points which I will be putting to very good use.

Review posted by Gloria Butterworth

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I'll be honest and say I was tempted to go for the Shopper Reward loan with Sainsbury's but I needed to get the lowest APR on this loan more than I needed those lovely bonus Nectar points and so common sense prevailed.It says something about the lending service Sainsbury's are offering when you can't make up your mind which loan to go for because they are both so appealing.But I have made my decision now and the Standard Loan has been approved and I am just keen to get the money into my bank account so that I can get started on my new kitchen. That was an even harder choice to make but I think I am going to be very happy with the one I have finally chosen and it's all thanks to Sainsbury's Bank.

Review posted by Jan Grey

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Hi everyone, I am writing this review because I want to share with you the amazing opportunity Sainsbury's gave me. As we all know Christmas is coming up.... I have a daughter and her birthday is on the 18th of december. I normally can't afford 2 presents but this year I am going to spend a bit more as she is going to be 18! The presents I want to buy aren't very cheap so I was in need of an extra little bit of money that I could pay back. I went to Sainsbury's and they explained everything to me and got me the loan... Surprised me, I didn't expect to even get accepted. I recommend 100%, they know what they're doing!

Review posted by Elisa Donworth

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Unlike credit card debt, once you've taken on student loans, there's usually no getting rid of them through bankruptcy. While loan holders will oftentimes negotiate temporary reduced repayment plans and payment postponement options, your loan will most likely grow bigger and badder while you struggle to get back on your feet. I had to think about this quite a few times, and finally got to a conclusion and picked Sainsbury's Bank to get my student loan. I am glad I chose Sainsbury's than any other bank as I have seen family of mine in sticky positions because of the lack of comunication. With Sainsbury's I'm aware about everything and anything... they have fantastic customer skills and are easy to use. Thanks Sainsbury's

Review posted by Helen Fitzgerald

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I do my local shopping at sainsbury's and always have considered myself a regular customer, me an all my family. I heard about Sainsbury's Bank, but it didn't really inspire any confidence... Just like tesco's or M&S Banks. I saw a few of my mates taking out loans with sainsbury's. I wanted to take my mum on holiday to Italy for her 50th so after all the great feedback I decided to try with them. I have the same opinion as them, they are great, they listen to you and they help the best they can. Great customer service skills and unbeatable A.P.R rates. Recommend 100%

Review posted by Whitney Sullivan

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My daughter had just finished school and wanted to go to one of the Greek islands to celebrate. I know what happens on those weekends but she did so well at school that I thought she deserved it so I went online to Sainsbury's Bank and asked for a personal loan of £3000 repayable over 12 months so my beloved daughter could have the week that meant so much to her. The loan was approved after their credit checks which were a formality and the option to repay over 24 months was a dream. It wasn't long and the money was in my account and her flights were booked. Oh! To be a fly on the wall. My daughter thinks SAINSBURY'S BANK is the best.

Review posted by Charlton Harold

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After reading a few reviews about Sainsbury's bank loans, I actually thought about it for a few days. Now I question why people actually right such mean reviews online. Maybe some had bad experiences but it's quite impossible. I had the best experience ever, and I definetely recommend 100%. Great apr rates, quick and easy service. They are so friendly and they really understand your problems and aren't sarcastic at all. They won't waste your time or scam you. Very very good people, keep up the good work. I highly recommend to all friends and family! They can really help in bad times.

Review posted by Tania S

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If I ever need to borrow money again I will definitely go back to Sainsbury's Bank as they gave me a low rate and a loan over 12 months. I had all but given up getting a loan as I saw alot of lenders that offer a good rate but over 24 months or more. I wanted to buy a new gucci bag as a treat to myself from finishing my college course in July. I have been looking around for weeks when I found sainsbury loans and they helped me so much. I got my bag a few weeks ago and have made my first repayment by standing order set up today. Everything was easy to do online and a quick confirmation phone call from Sainsbury's to make sure all my info was correct and they approved me. Was really simple and I'm happy I choice to go with them. It took them around 11 days for everything to be organised and I recieved the money on the 12th day I was really impressed that it was done so fast and I was told it could take up to 2 weeks. Thanks

Review posted by Susan

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I was slightly worried to apply for a loan online as the last loan I had was all done in branch. Now a days the banks to do always offer the best Apr rate so you do end up looking else where, to other company's who offer better rates. I applied online and I was happy to see it was easy. But I still had other questions so I called them up.I got the 4.5 APR Advertised when i was accepted and i was impressed with thwre full online program and how easy it was. It did not give me Enough info so customer service helped me. They gave me all the info I was not sure about when it came to the paper work and what I would need to send and how safe the would be. I was given an option of a secured security delivery service and I was happy to pay a little extra. It also ment that the loan complete took only 7 working days. Extremely impressed and I am highly recommend sainsburys , over the phone the offer a far better service than they do online. They were quick and easy and very polite telephone manner that i could understand.Thank you Sainsbury's for all your help and for taken the extra steps to insure me that all documents and paper work were safe when sending the loan agreement back and forth.

Review posted by Miss E Wells

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Like most people i am not impressed with my own bank so i spent time looking around for another loan provide. There was many companys that popped up untill i stumbled upon Sainsburys Bank.I know other supermarkets who have branched into banking industry And it has worked well for them and when sainsbury opened a few years ago in Livingston I started to use them as my local supermarket. So when the Poped up online search they did catch my eye and I need up applying with them. Glad I turned to Sainsbury's for help they were there when I needed them and approved my loan with no questions asked for why I needed to borrow the money. I selected personal and was not questions further. Happy with the service.

Review posted by Livi girl

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Before I applied for a loan i read a lot of the reviews online first. A number of both a handful of good reviews and a handful of bad reviews too. I know everyone has there own personal experience this company and I am happy to share mine......I took out a small loan of £1500 over 24 months as this was the most affordable repayment amount available to me. I did not get the advertised APR at the time i applird but i waa only 1% highter rhan advertised so I was still happy to go ahead with the loan and the paperwork was sent posted out to me. It took around 4 days to come in the post and due to the weekend they didn't get back to Sainsbury's untill the end of the following week. Not as fast as so many others. The money arrived in my bank 6 days after i posted it back due to the weekend. I am surprised with how helpful and informative the service online was. The online website Sainburys offer is a easy to use service and I liked the ease of application process. There was alot of helpful information given to me and I would recommend them to other people based of ther service i have been given.

Review posted by Nina

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  • Ease Of Use
  • Value For Money

I applied online for my Sainsburys loan today via the travelmoneysupeemarket.com ans the rated rhem as number one for APR on the market. Making sainsburys the cheapest loans over £10000 they advertise a APR of 3.6 % (but this was sadly now what I was approved at when looking to borrow £10000 over 4 years) I then followed the link to the Sainburys Web page and began to fill in the application and submitted everything off to them when I was done. I didn't take me long . Maybe around 45 minuets and then i received a email from Sainsbury's direct. Basicly telling me to call Sainsburys finance in order for them to complete my application. Over the phone then I was give me a final decision of being approved for a loan. I was offered the loan at 6.6%APR and this was upsetting to myself even thought there staff Exspalned a number of factors to myself I was still not happy with the loan rate. In the end how ever I did sign with them and I am currently waiting on the funds to be sent to my self.The service it's self is grest and easy to use, the APR let this company down.

Review posted by Toby

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  • Flexibility
  • Ease Of Use
  • Value For Money

When i was shopping at the local supermarket ( Sainsbury ) i happened to picked up a brochure at the checkout. There was many that i picked up and I found one that was about their personal loan program. I was thinking for some time about consolidating my overdraft and credit card into one payment to save some money. So i thought i would give them a try. From there online calculating I done i estimated that the money I would need to borrow would cover both my outstanding balances. Sainsbury's calculations let me see the amount I would be paying back monthly and let me play about with the length of the loan so I could see affordability as well. Love this calculator tool.The online application on their website went very smooth and took me no time at all to complete the full application. Then the decision followed quick when I was approved. Everything else followed in the post as fast as it could and the loan has been agreed in principle untill the funds are in my account later this week. Thanks sainsburys bank and supermarket

Review posted by Tammy

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  • Ease Of Use
  • Value For Money

Me and my wife have been dicussing chashing in one of our bonds to take a small cruise threw alaska. There was a number of down sides to chasing in a bond early you lose interest and can incur charges so we looked into alternatives and after discussing with my wife again we decided to apply for a personal loan. There were a number of options available to our self's and we did spend a number of weeks looking at all options before we decided to go with Sainburys. There was many questions we called to asked before making the final call to actually apply for the loan, there was alot to consider with the monthly payments and could we pay it all back when our bond has finished. After we applied we were informed the usual credit checks were being carried out and we were placed on hold. There was a small bit of concerning ith payinf back the loan early option but that was quicky taken care off for ua by sainaburys wonderful employee our loan for £8900 was approved. The interest rate we got for this loan i feel is unbeatable and we have the option off a full repayment up to 60 days from when we recieved the money. Also we were given an extra bonus, a thousands extra Nectar shopping points on our club card.

Review posted by Harold

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  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a sum of cash a short while ago and because I know Sainsbury's so well I thought SAINSBURY'S BANK would be the best way forward. I then filled in the online application and the loan was approved although I still had to furnish certain details to confirm my credibility. I then received the loan agreement and the amount I'd asked for was £8000 to be repaid over a 3 year period. I signed this willingly and before long the money was in our account. We were really pleased at their service and their promptness and will certainly use them again.Also my wife was overjoyed at the fact that she would recive a substantial amount of bonus NECTAR points.

Review posted by Alvin Collins

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  • Flexibility
  • Ease Of Use
  • Value For Money

I'd been looking around and researching all the various loan companies because I wanted to buy a new car and wanted to be absolutely sure that the deal would be a good one. I went online and through Readies I found SAINSBURY'S Bank and to my joy I found that their rates were probably unbeatable. I then filled in the loan application online asking for £12000 and for a repayment period of 4 years being equal monthly instalments at a fixed rate. The loan was soon approved and after the usual credit checks which are understandable, I signed the loan agreement and the money was transferred to my account a short while later.I now have my new car and all thanks to SAINSBURY's BANK.

Review posted by Aubrey Shannon

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  • Flexibility
  • Ease Of Use
  • Value For Money

Having always shopped at Sainsbury's Bank and finding myself urgently requiring a fairly substantial bit of cash I went online and filled out an application for a personal loan of £6000 and asked to pay back over a 2 year period. I submitted all the details that were required and the loan was approved and as soon as the credit checks were completed I signed the loan agreement and the money was transferred to my account. The wife was also very pleased with the bonus Nectar shopping points. Sainsbury's Bank are really efficient and professional and honestly try to help their clients.

Review posted by Peter Charlton

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  • Ease Of Use
  • Value For Money

As most people recall it was the rugby world cup earlier this year. Unfortunately England didn't do well at all but I am a rugby fan and wanted to see as many live games as possible and because I don't live anywhere near where the action was to be I took off some time at work and planned three weeks in London. For that I needed some money and knowing About Sainsbury's Bank I applied online for a personal loan of £5000 to be repaid over a 24 month period. The loan was approved promptly and as soon as their credit checks were carried out to ensure that the instalments would not be defaulted the money was transferred to my account and I planned the rugby tour. It was an incredible experience and I thank Sainsbury's Bank and will definitely use the again.

Review posted by Byron Sherman

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  • Flexibility
  • Ease Of Use
  • Value For Money

What does one do when urgent money is required? Do what I do and often. I am the payday loan king. Only this time I needed a bigger amount so I went online and requested a personal loan from Sainsbury's Bank asking for £8000 and preferring the 4 year repayment structure which would be comfortable. Without a doubt I wouldn't need a payday loan for a while and that would save me a afortune. The loan was approved promptly and once the credibility checks were carried out the money was transferred to my account. I also signed a debit order so the monthly instalments could be deducted automatically.Sainsbury's Bank are great and their customer service is wonderful. I'm sure I will use them again.

Review posted by Morris Bender

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  • Ease Of Use
  • Value For Money

I was looking for a credible loan company as I needed a personal loan to help my daughter. She had just started a new job and the car she managed to save for is hell on four wheels and breaks down regularly. She hasn't been working too long so her mother and I decided to get her something a bit more reliable.She is so proud and at first refused the offer until we insisted. As the entire family do most of our shopping at SAINSBURY'S we also found out about their banking and loan services and with that in mind we applied online for a personal loan 0f £6000 to cover the cost of Annie's car. Our credit status was checked out and we must have had a positive credit score because the loan was approved as well as our request to pay off over 24 months. We signed the loan agreement and before we knew it the money was in our account. Annie has her car and everybody's happy thanks to SAINSBURY'S BANK!

Review posted by Gareth Miller

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  • Flexibility
  • Ease Of Use
  • Value For Money

I applied for a personal loan 0f £6000 a short while ago with Sainsbury's Bank. The reason why I opted for them was because quite a few of the high street banks either knocked me back or their rates were too high. We do most of our shopping at Sainsbury's and that's why I thought to give them a go and I was pleasantly surprised. As soon as my online application was filled in with all the relevant details in which I also requested to repay over 2 years, my loan was approved. I then just waited for the loan agreement which arrived a few days later, signed it and returned it. Within a few days the money was in my account and my wife would be receiving loads of nectar shopping points.Sainsbury's Bank can be relied upon.

Review posted by Patrick Allen

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  • Ease Of Use
  • Value For Money

Shopping one afternoon at Sainsbury's my wife pointed out to me that they also offer loan deals which I knew nothing about. At the time we were looking for a line of credit as we were keen on selling our car and replacing it with a better and later model.We'd seen the vehicle we wanted and the dealer agreed to value our car at £2000 and the one we wanted was for sale at £10000. We then applied for a personal loan from Sainsbury's Bank for £8000 electing to repay over 36 months. The loan was approved and all we then had to do was sign the loan documents and the money was transferred to our account. Our credit score was good, we knew that.We now have our new car and my wife has her Nectar bonus shopping points. We're so glad we chose Sainsbury's Bank.

Review posted by Gerald McCormick

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  • Flexibility
  • Ease Of Use
  • Value For Money

I was a bit worried when I first applied for my personal loan with Sainsbury's bank, but I needn't have been. Sainsburys Bank were very happy to approve my personal loan even though I have been retired for several years now. This loan will allow me and my wife to sort out a few problems around the house and pay for us to visit our daughter in Australia for Christmas. That is the most important thing for us as we miss not seeing her and our grandchildren. On behalf of me and my wife we would just like to say a huge thank you to Sainsburys Bank for this loan.

Review posted by Kennedy B.

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  • Flexibility
  • Ease Of Use
  • Value For Money

Not only have I got a very competitive loan from Sainsbury's Bank but I am also earning loads of extra Nectar points which will come in very handy for my Christmas shopping and booking next years flights to Spain. I wasn't sure which loan option to go for initially but I am so glad I decided to opt for the Shopper Reward Loan because even though the APR is slightly higher it is still a better deal than the one my bank were offering me. Well done Sainsburys for being competitive and for giving me all those lovely extra Nectar points!

Review posted by Yolanda

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  • Ease Of Use
  • Value For Money

My sister hosted Christmas last year and it seemed like no expense was spared so when it came to my turn this year to have the family over I was determined to outdo her which I appreciate is not exactly the Christmas spirit but we are talking serious sibling rivalry here and nothing could be left to chance.My long suffering husband suggested we take out a personal loan and left it to me to do the job. I had already heard from a friend that Sainsbury's do very competitive loans and as I would probably be buying most of the food from them it made sense to try them for a personal loan. Luckily they didn't disappoint and I got a very favourable loan that didn't freak my husband out and as soon as the money was in our bank account I got started on 'Operation Christmas Day' before my husband spent the money on a new TV!

Review posted by Gina Buckley

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  • Ease Of Use
  • Value For Money

Lured by the prospect of 5000 bonus Nectar points my wife persuaded me to give Sainsburys Bank a go when we were looking for a personal loan to help out with the Christmas shopping.However, I am not so easily enticed and I insisted on doing a loan comparison check first. So I was pleasantly surprised when I found that the Sainsburys loan option was as good as any of the other high street lenders.We went ahead and applied for the loan and when it was approved I thanked my wife for her advice and suggested we split the Nectar points 50/50 which went down like a lead balloon. Oh well, it was worth a try!.

Review posted by Andrew Pearson

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  • Ease Of Use
  • Value For Money

As I don't shop anywhere else but Sainsbury's, I like collecting Nectar points and use them especially at Christmas time. This year I was really planning ahead and wanted to buy the family a special present. I did not have enough cash so decided to apply for a Sainsbury's loan. I had never done that before and wondered how it would go. I rang their office and inquired as to whether I would be successful in my application. They were really helpful and took my details and we did an application there and then. I asked for the loan that gave you the Nectar points called Shopper Reward.I planned to take the family on a trip as a big surprise so needed to obtain an answer fairly quickly. I was pleasantly surprised when their office called me back after only a few days and said I had been offered a loan, I was delighted and accepted the terms which were doable and got all those extra points.

Review posted by Abby Wayland

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  • Ease Of Use
  • Value For Money

My wife always shops at Sainsbury#s and I go along for the hauling of the bags. I noticed on their bulletin board that they carry personal loans, which I did not know about. I had been thinking of getting a loan to cover some extra expenses at Christmas and thought that was a good way to go.When we got home with all our shopping I went on line to look at what terms they offered. I was surprised at how easy the process would be so decided to make an application. The form was pretty simple and I asked to be considered for the standard loan which had a slightly lower interest rate. I choose the amount I wanted to borrow and could afford the repayment. So I hit the send button and waited to see what their reply would be.When they replied they asked a few clarifying questions, which I supplied and within a short time came back with an acceptable offer. That was easy and I could now buy the extra things I wanted. Great folk to deal with, I am very happy.

Review posted by Scott M.

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  • Ease Of Use
  • Value For Money

I do my weekly shop at Sainsbury's as I just love their produce and competitive prices. I noticed on my way out of the store the other week that they offer financial services, which was news to me. My husband and I wanted to renovate our kitchen before the family came for the holidays so I told him about their personal loan service.We decided to go on line to read up on their services offered and to see what kind of terms and interest rate they could give you. Their terms were not bad at all so we filled out the application and when they came back with an offer we readily accepted. The repayments would fit our budget so we were able to do the work we needed. They were quick too in providing the funds. Great job Sainsbury's, we highly recommend them.

Review posted by Jan H.

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  • Ease Of Use
  • Value For Money

I had been considering applying for a loan to fund a project I had been putting off for ever. Finally the wife gave me an ultimatum so I had to start researching where I could get the best deal. I actually went on line and found Readies.com where I could compare personal loans, this did the research job for me.I decided on Sainsbury's as the wife could have some extra Nectar points if I was accepted for the Shopper Reward loan, besides which they did seem to be a good option. While I was on line, I went to Sainsbury's website and filled out the loan application. The process was not difficult and when they came back with a very reasonable offer which my budget could afford, I accepted and now I am able to get started on my project.

Review posted by Pete B.

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  • Ease Of Use
  • Value For Money

I wanted to fix up an old vintage car I had bought at an auction but did not have the money to do so. I was shopping with the wife in Sainsbury's and saw that they were not just a supermarket chain, but also offered financial services. I figured I could apply for one of their loans, get some extra shopping points for the wife, and fix up that car.I went on line and filled out their application. I chose the amount I thought I would need and their terms that came back were acceptable and doable in my budget, without breaking the bank. I accepted their offer and within a few days I had the money in the bank to start work on that car. Great, thanks Sainsbury's, good people to work with.

Review posted by Fergus L.

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  • Ease Of Use
  • Value For Money

I am so glad there are places like Sainsbury that you can go to when you want to borrow money. I have always been so nervous of banks in general which is ridiculous because when I left school back in the 70's my first job was with a bank who shall remain nameless!Now that I have mastered the computer and the internet I don't even have to venture out to apply for my loan and with the weather like it is at the moment that can only be a good thing.I did have a couple of queries regarding my loan but the lovely young man in the customer services department helped me sort them out so that I could complete my online application. He has assured me that my money will be in my bank account by tomorrow and as soon as it is I shall be doing a bit of Christmas shopping online if the weather hasn't improved by then.

Review posted by Mary Cadogan

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  • Ease Of Use
  • Value For Money

The wife and I are very happy with this loan from Sainsbury's Bank. Our daughter recommended them to us and we were a bit wary because we thought the best place to go for a loan was to your bank. As it turned out our own bank was charging way too much in interest rates for the amount we wanted to borrow and so we thought we would take our daughter's advice and see what Sainsbury's had to offer.We were delighted with the quote they gave us which came with a very reasonable APR and affordable monthly repayments and that was before we realised it came with 5000 bonus Nectar points and double points for the first 2 years.We are so glad our daughter introduced us to the Sainsbury's Bank although it has been staring us in the face all these years because we do our weekly shop there. As a retired school teacher I hate to say it, but we really should pay more attention!

Review posted by Douglas F.

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  • Ease Of Use
  • Value For Money

It wasn't too long ago that we needed some money to do some refurbishing at home. We'd bought the house about 10 years ago and all that we had done up to now was repaint the interior. It was time to do some work on the outside and also change some of the furniture and upgrade some of the kitchen and bathroom fixtures.The next step was to make a personal loan from a steady and fair company and my wife, after researching on line suggested we use Sainsbury's Bank. We'd always shopped with them and they were ever so helpful. We asked for a personal loan of £10000 to be repaid over 4 years and before long the loan was approved and a few days later after signing the loan agreement we had access to the money. Obviously they carried out credit checks on us. We always strive for a high credit score.We are totally Impressed with Sainsbury's Bank not to mention all the bonus Nectar shopping points.

Review posted by Gregory Pearson

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  • Ease Of Use
  • Value For Money

It wasn't so long ago that the family really needed a holiday together. We'd been at each other's throats for a few weeks and our daughter decided that a holiday together maybe somewhere in the south of Spain lapping up the sunshine might be just what we need. The next step was to take out a personal loan. We shop regularly at Sainsbury's and my daughter Kim had certainly done her homework and suggested we apply for a personal loan with SAINSBURY'S BANK.We filled in the application online and asked for £6000 to settle over 24 months. we furnished them with all the details they required in order to confirm our creditworthiness and soon thereafter the loan was approved. All we had to do was wait a few days for the loan agreement, which we signed and returned and a few days later we had the money in our account and boy! did we have a great holiday! And all thanks to SAINSBURY'S BANK!

Review posted by Lawrence Hodgson

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  • Ease Of Use
  • Value For Money

My wife and me are getting on a bit now and we are both lucky enough to have already had our 3 score years and ten. We wanted to take out a small loan to pay for a few little jobs around the house and buy our grandchildren new bikes for Christmas so we did what our daughter suggested and applied for the loan with Sainsbury's Bank.We had been aware that Sainsbury's did loans and other such things but we had always thought it best to use our own bank for that sort of thing. Our daughter knows a thing or two when it comes to getting a bargain or finding a good deal on things so we were quite happy to let her guide us through the whole process.We are delighted to say that we have just got our loan and not only that, we are being given rather a lot of Nectar points as well which we are hoping to use towards our holiday flights next year when we visit friends in France.We are so grateful to Sainsbury's Bank for giving us this loan because we did wonder if perhaps we were too old to be considered for a loan but as it turns out we have a few more years to go before Sainsbury's think that. It is nice to know that not everyone rights you off once you've retired.

Review posted by Bernie A.

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  • Ease Of Use
  • Value For Money

Not only have I been approved a really competitive loan from Sainsbury's Bank but I will be getting loads of lovely Nectar Points as well. I had a previous loan from Sainsburys a couple of years ago but opted for the Standard Reward Loan that time. However when I was applying for this loan I was enticed by the 5000 Bonus Nectar points and the double points for the first 2 years. By the time I have paid off the loan I will have earned so many Nectar points that the slightly higher APR will have been worth it. I'm already trying to decide what to use the points for but it's bound to be for flights to somewhere hot next year and that is a great thing to look forward to during this miserable Winter.

Review posted by Ellen K.

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  • Ease Of Use
  • Value For Money

When our own bank refused us a personal loan recently we were very disappointed to say the least because we felt we had always had a good relationship with them and weren't aware of anything that might have influenced their decision. I was all for going down to our local branch and having it out with the manager but my wife said we shouldn't waste our time and energy trying to persuade the bank to change their mind.We left it for a few months but as we were approaching Christmas we thought again about getting a loan and so we got the laptop out and started looking for an alternative lender and we were surprised at the amount of loan companies there are out there. We took advantage of the various loan calculator facilities to see if we could afford the repayments or even if were going to be considered eligible to borrow the money in the first place.That's how we eventually ended up getting this loan from Sainsbury's Bank who were only too happy to give us the loan. We opted for their Standard Loan because the APR was lower than their Shopper Reward Loan although we were tempted by the bonus Nectar points. Maybe if we ever need another loan we will go to Sainsbury's Bank but we will never ask our own bank again and we are actually considering closing our account with them.

Review posted by Tony B.

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  • Ease Of Use
  • Value For Money

Both my sister and I took out our personal loans with Sainsbury's Bank within a week of each other and neither one of us knew the other had even applied for the loans until we both started bragging about how many Nectar points we had and then suddenly the penny dropped.It would seem great minds think alike and we had both looked at various lenders before choosing to get our Shopper Reward loans with Sainsbury's Bank. We are not twins but we are very close and we very often find that we have been thinking the same thing at the same time. However you don't have to have ESP to know when you are getting a good deal on a loan and that is probably the real reason why we both ended up with our loans from Sainsbury's just in time for Christmas. Apart from holidays what else do most people need extra money for if not for Christmas shopping?

Review posted by Brenda Ashton

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  • Ease Of Use
  • Value For Money

I'm not a person who normally opts for loans when in need, but I cannot deny the convenience they offer. As was the case a while ago when the family car had just collapsed and the time came to upgrade.We are regular Sainsbury's shoppers and my wife was the bright one who suggested we ask SAINSBURY'S BANK for a personal loan so that we can get the new car and promptly. We did everything online and it was really easy. We filled in the application asking for £8000 and a 4 year repayment schedule. our loan was approved very quickly and we then waited a few days for the loan agreement which we signed and returned. In a matter of days the money was in our account and we were able to buy the car we so badly needed. For their efficiency we are so grateful.

Review posted by Kevin Platt

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  • Ease Of Use
  • Value For Money

I am more than happy, I am absolutely thrilled to bits that I managed to get this loan in time for Christmas. I was planning on taking out the loan early next year to pay for some home improvements but I decided to get the money a bit earlier and make Christmas a bit special for my family as we have been through a lot recently with one thing or another. Let's just say we all needed cheering up and being able to borrow a bit more than I need for the home improvements means I can splash out a bit on presents for our twin daughters who have just had a very nasty car accident but managed to escape with just a few cuts and bruises. The accident made us realise just how precious life is and not to be taken for granted.The loan from Sainsburys is the first we have had from them and we are very impressed with how professional and efficient the staff were when we initially asked about the loan at our local store. They gave us good advice and said our online application would give us the quickest response but to get in touch with any of their customer services staff by phone if we had any problems whatsoever. I am glad to say we didn't and the loan has been approved and the money in our account in less than a week. We got a Shopper reward loan and have promised our daughters they can have a share of our bonus Nectar points.

Review posted by Kitty Morgan

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  • Ease Of Use
  • Value For Money

I would normally go to my bank for things like personal loans but when I checked them out on the loan comparison website they weren't as competitive as I thought they would be and so I did a bit more research and found that Sainsbury's were offering a much better deal.I did a bit of a double take because I thought I might have misread the quote but sure enough Sainsburys were far more competitive and they were offering two types of loan. I opted for their Shopper Reward Loan because I knew the wife would skin me alive if she missed out on the bonus Nectar points that were being offered with this particular loan.

Review posted by Brian A., London

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  • Ease Of Use
  • Value For Money

I needed a sum of money to sort out a personal matter and went on line to look for a company that would fit the bill. I was looking for flexibility and competitive rates and found that with Sainsbury's Bank. I knew they'd be professional as I'd shopped with them for years.I applied online for a personal loan of £5000 and before long the loan was approved and once my credit history was checked and the loan agreement signed the money was transferred to my account. I also signed a standard debit order for the payments to be deducted monthly over a two year period.My wife was also very pleased with all the bonus Nectar shopping points we'd earned.Sainsbury's Bank are reliable and efficient.

Review posted by Leonard Baxter

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  • Ease Of Use
  • Value For Money

We weren't sure at first if Sainsbury's Bank were going to be able to give us the loan we needed but we proceeded with the online application anyway because we had heard good things about them from various people and wanted an alternative lender to our own bank.We were tempted to go for the Shopper reward loan but the slightly higher APR put us off although I must admit if it had been up to me I would have opted for it because I could think of a million and one things to put those extra Nectar points to use on. But my husband was keen to get as low an APR as possible so I had to let him make the final decision.The Standard loan that we chose comes with an exclusive Price Promise guarantee which was another thing that attracted us to this loan option because it gave us the reassurance that we weren't missing out on a better offer from one of the other high street lenders.I don't think I could really fault the service we have received from Sainsbury's Bank with regard to processing the loan quickly and ensuring we got our money in plenty of time for Christmas but I was kind of hoping they might throw in a few extra Nectar points considering the amount we are borrowing but at the end of the day, we got a very competitive loan with affordable monthly repayments and that's the most important thing when taking on any sort of loan I think, so I am not really complaining.

Review posted by Belinda M.

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  • Ease Of Use
  • Value For Money

I have to say that I have been converted from my cynical view of supermarkets getting into the banking business. My friend persuaded me to give Sainsbury's a try when I was looking for a personal loan and my own bank have a tendency to drag their heels a bit when it comes to lending money and I really needed the money in time for Christmas.My online application was a first for me and I don't think I did too badly if I do say so myself. I didn't get persuaded by the Shopper Reward loan, the lower the APR the better for me so the Standard loan suited me better and it came with a Price Promise guarantee that meant I could be sure I was getting a competitive deal.I am not sure if I would consider banking with Sainsburys but certainly for the purpose of getting a good, competitive loan they are definitely worthy of my praise and I will be recommending them to friendswho might be looking for a similar type of loan in the future.

Review posted by Colin Wilmsley

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  • Ease Of Use
  • Value For Money

In my opinion Sainsburys are breaching FCA rules. Sainsburys advertise a very attractive rate, you then complete a loan application including Sainsburys leaving a footprint on your credit history. Sainsburys then speak to you at length to complete your application. At the very end just before agreeing the loan Sainsburys inform you the APR is now over 18%. this is a massive 450% increase from the advertised rate. when you say that you wont be proceeding the rate is immediately discounted by 1%. The credit search footprint makes it difficult to shop around, and the advertised rate is purely just an attraction to lure you in. Be warned before you apply for a loan with Sainsburys.

Review posted by Legin

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  • Ease Of Use
  • Value For Money

I was urgently needing to borrow a sum of money for an urgent family matter. I'm not normally a person to borrow money, but this time it was serious. I went on line to try and find the best deal that offered good rates as well as flexibility.I was surprised at how easy it was. An online application with SAINSBURY'S BANK requesting the amount, which in my case was £8000 and also asking for the payoff period to be 3 years was filled in. The monthly instalments would be comfortable. I had to submit all my financial and residential details and the loan was approved.I then waited a few days for the loan agreement to arrive and as soon as I'd signed and returned it, the funds were made available in a matter of days.They were totally professional and I appreciated their promptness and lack of irritating burocracy.Sainsbury's bank can be recommended with ease.

Review posted by Eric Norman

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  • Ease Of Use
  • Value For Money

Thanks to this personal loan from Sainsburys Bank I am going to be starting 2016 in a much better place. 2015 hasn't been a good year for me and my husband for various reasons and I was determined not to carry all that negativity into the new year.My loan from Sainsurys Bank will enable me to sort out several outstanding debts and pay for the repairs on my car. I will even have a few Nectar points to put to good use on a holiday this summer, which will be the first for a few years. My husband said we should just opt for the Standard loan but I said we would benefit from the bonus point when booking our holiday flights and after a bit of persuasion he agreed with me.So we took out the Shopper Reward loan and I am already seeing our Nectar points piling up every time I use my card. It won't be long before I can start thinking about where to jet off to for our long awaited and much needed summer break and we'll have Sainsbury Bank to thank for it not being a week in a caravan in Dimchurch again!.

Review posted by Pamela E.

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  • Ease Of Use
  • Value For Money

Sainsbury's Standard Loan has worked out very well for me and my family. We were able to borrow enough to have a new central heating system and some replacement double glazed windows installed and the work is almost finished in time for winter.My wife is delighted that we will soon be able to wear normal clothes around the house instead of thermal underwear and several layers of jumpers and much as we love our inglenook fireplace we can't keep huddling around that every night. We really should have got this loan sooner but we are glad we had the sense to sort it out sooner rather than later.The Standard Loan option suited us better than the Shopper Reward loan because we wanted to get the most competitive APR because of the amount we were borrowing but we were very tempted by the thought of all those extra Nectar points so maybe we'll consider that option if we need another loan in the future. either way we will certainly consider Sainsburys Bank again as we have been extremely impressed by their service.

Review posted by Ray K.

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  • Ease Of Use
  • Value For Money

A while back I needed some money for home improvements and a bit extra so the wife and I could take a week in sunny Albufeira while the work was being done. My neighbour who was my best mate said he'd supervise the job and look after the house and the dogs. Sounds like a lot but I've done it for him. My wife suggested we approach Sainsbury's Bank for a personal loan of £10000 which is what we did. We applied online and agreed to repay over 4 years. We furnished them with all our credit references and the loan was approved. We had a pretty high credit score and all we then had to do was sign the loan agreement and the money was made available. My wife was thrilled at the nectar bonus points and the holiday was amazing. Not to mention the joy when we got home as well. And all this was thanks to SAINSBURY'S BANK!

Review posted by Charlton Anderson

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  • Flexibility
  • Ease Of Use
  • Value For Money

Top of my list of New Year's resolutions is to sort out my old kitchen. I had cooked my last Christmas dinner in what can only be described as the kitchen that came off the Ark! When we bought our house 20 years ago the kitchen was dated even then and my husband kept promising to do something about it. However his DIY skills are not up to much at the best of times and we never seemed to have the money to pay someone else to do it until now.My personal loan from Sainsbury's Bank was a bit of a moment of madness but I am delighted that I took the initiative and applied for it. I applied for the Standard Loan option which came with a lower APR which I knew my husband would approve of and got an almost immediate decision on the approval and my husband is also happy with the monthly repayments we will be making.We plan to start looking for new kitchens immediately and maybe bag a bargain discount one in the sales. But either way I am going to have my new kitchen shortly and I am looking forward to cooking my first Sunday roast in a new oven that doesn't look like Mrs Beaton owned it!

Review posted by June Clarke

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  • Ease Of Use
  • Value For Money

The wife and I have just spent a very worthwhile hour on the laptop applying for our personal loan from Sainsbury's Bank. We need the money to pay for new windows and once they are installed our bungalow will be fully renovated to the standard we want before the final stage which is painting and decorating which I am happy to do myself.We weren't sure where to look for the loan but found the loan comparison website very handy and that is how we eventually arrived at Sainsburys Bank. We really did find the whole process very easy even though neither of us are particularly good with the laptop which was a present from our daughter this Christmas.So I am sure my daughter will be very impressed when we tell her that we have put the new laptop to good use and that we will be having the new windows installed as soon as possible so that we don't have to suffer another draughty Winter. She might also be interested to know that we opted for the Shopper Reward Loan which comes with a 5000 bonus Nectar points and the chance to earn double points for the first 2 years of the loan. As we buy a lot of our day to day things from Sainsburys that is going to add up very nicely and I am sure my wife is already thinking about what to do with them.

Review posted by Paul & Beryl Adams

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  • Ease Of Use
  • Value For Money

I would rather start the new year with just one manageable monthly debt instead of trying to juggle payments for various credit cards so that is why I have taken out this personal loan with Sainsburys Bank.Both myself and my wife got a bit carried away with the Christmas presents and we have maxed out all our credit cards which is not an ideal way to start 2016. We have borrowed enough to pay off all the cards and have a bit in reserve and the monthly repayments are more than affordable for us as we both work full time and earn decent money.We won't be using the credit cards again for a while, probably for our Summer holiday so we should have got our finances back on track by then.We chose to go with the Standard Loan rather than the Shopper Reward Loan because the last thing I want to do is encourage the wife to spend more than she needs to although I must admit the 5000 bonus Nectar points was very tempting.

Review posted by Alan Duggan

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  • Ease Of Use
  • Value For Money

We decided to get a personal loan with Sainsbury's Bank and I left it to my partner to sort it out once we had checked out their website and started the online application. So I am not quite sure how we ended up with the Shopper Reward Loan when I thought we had agreed that the Standard Loan with the slightly lower APR made more sense.Anyway I think the 5,000 bonus Nectar points might well have something to do with my partner's error of judgement. As the monthly repayments will be coming out of her bank account I suppose I shouldn't complain too much and I know all those extra Nectar points will come in very handy. She's probably already decided what to use them for and no doubt I'll find out sooner or later.

Review posted by Brett Saunders

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  • Ease Of Use
  • Value For Money

I needed a small cash injection leading up to Christmas. We had a bit saved but it's our belief that if you borrow from your savings you never put it back. Instead we decided on a small personal loan from Sainsbury's Bank. We'd dealt with them before and were totally satisfied. This time it was even easier. We filled in the online loan application asking for £4000 to pay off over two years or sooner and the loan was approved. As soon as we'd signed the loan documents the money was in our account. My wife was also pleased with all the bonus shopping points. We really appreciated the convenience.

Review posted by Kevin Burke

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  • Ease Of Use
  • Value For Money

We have just been given the approval for our first loan with Sainsburys Bank and we can't believe it. The whole process was so easy and being able to do the application form online was so convenient and meant we didn't have to venture out in the awful weather we have been having at the moment.We were given a choice of two loan options but we went for the Standard Loan because the APR was slightly lower and that made a big difference because of the amount we were borrowing.As soon as the funds are in our bank account we will have to venture out though because we needed the loan to buy another car and even though I did most of our Christmas shopping online I really don't think my husband wants to buy a car without test driving it first.

Review posted by Caren A.

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  • Ease Of Use
  • Value For Money

Before we made the application for our personal loan with Sainsburys Bank we went through every lender that was advertising on the loan comparison website and so by the time we had decided on Sainsburys we had a pretty good idea of what we should be looking for in terms of competitive interest rates.Having chosen to go for the Standard loan we were pleased to find that it came with an exclusive price promise guarantee which just confirmed that we had made the right choice and weren't going to be missing out on a better deal elsewhere. I think this is a really good thing to offer lenders because it gives them reassurance that they are making the right choice.Borrowing a large sum of money is a big commitment and you want to be sure you are with the right lender for your particular needs and we are in no doubt that getting our loan from Sainsburys Bank was the right decision for us.

Review posted by Dan Abbotts

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  • Value For Money

After discussing it with my wife we decided to get a loan to pay off some debts that had accumulated in the build up to Christmas. We didn't like the thought of going into the new year with so much debt on credit cards because we usually only use them for emergencies but Christmas presents for the children had caused us to use them more than we would have liked.Being able to use the loan to pay off all the credit cards meant we would just have one affordable monthly repayment to deal with each month which would make life a lot simpler for us and take the pressure off our finances for a while.We went with Sainsburys Bank for the loan because we had used them once before a while ago and were very happy with the Shopper Reward Loan we opted for that time. We were very happy with the Nectar points we were able to accumulate over that loan period but this time we were keen to keep the APR on this loan as low as possible and so we went for the Standard Loan but it did come with a Price Promise guarantee so we knew we were still getting a comparable deal to what the other like for like high street lenders would be offering. All in all, we are very happy with this loan and we think we may well use Sainsburys Bank again for future loans because they seem to suit us very nicely.

Review posted by Jeremy Gatson

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  • Ease Of Use
  • Value For Money

My sister-in-law recommended Sainsburys Bank to me when we were talking about loans and with her help I went online and applied for their Shopper Reward Loan after she told me how much I could get in extra Nectar Points. I am a big fan of these and have been saving my points up for ages to use for my holiday flights to America this summer.The whole process of applying for the loan was very straightforward and now that I have done it once I am sure I won't need my sister-in-laws help again but I am very grateful to her for giving me the tip off on Sainsburys Bank loans because it would seem that there a dozens of other lenders available on the internet website and I would probably still be trawling through them now if I hadn't had her help getting this one.My husband was quite impressed when I told him I had sorted out a loan to pay for some work decorating our house but he couldn't resist saying that I should have gone for the Standard Loan because of the lower APR. Unlike me he is not such a big fan of Nectar points but when he realises I will have saved us hundreds of pounds on flights because of them he may well change his mind.

Review posted by Karen Baxter

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  • Value For Money

My wife and I are delighted with the Shopper Reward Loan we have just got from Sainsburys Bank and we thought we would do this review to express our gratitude to the customer services staff at Sainsburys Bank who were of great assistance to us when we made several calls to them during the loan application process.We are by no means experts when it comes to using the internet but we know how to switch the computer on and find our way around some of the websites. Without the benefit of Skype we would miss seeing our grandchildren growing up on a weekly basis. So it goes without saying we are very grateful for modern technology. But we did struggle a bit doing our online loan application and thats why we had to get in touch with the customer services people who were so helpful.We have our loan sorted now and we will be putting the money to good use visiting our son and his family in Australia and we couldn't have done so without this loan from Sainsbury's Bank and when we return from our trip we will be planning what to do with all the bonus Nectar points we have accumulated because of this loan.

Review posted by Amos Buckthorpe

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The only problem we had when applying for our loan with Sainsburys Bank was whether to go with the Standard Loan or the Shopper Reward Loan. My wife of course wanted the Shopper Reward loan and let's face it what woman wouldn't want to be rewarded for doing something she loves most - Shopping! But I was more attracted to the lower APR for the Standard Loan and much to my wife's dismay I had the final say and thats what we opted for eventually. The Standard loan comes with a price promise guarantee which meant I was certain we were getting the most competitive deal for our particular requirements.

Review posted by Harold R.

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Constant nagging was having no effect on my husband and in the end I had to sort out getting the finance for our holiday this summer.I bribed our daughter to spend the afternoon helping me look at all the loan companies websites and when we finally decided on Sainsburys Bank the only thing I consulted my husband about was whether or not to opt for the Shopper Reward loan. I knew he would be more concerned about getting the lowest APR on the loan but I quite fancied having all those extra Nectar points.He had the final word and we went for the Standard Loan which offered a lower APR and also a Price Promise guarantee. It was reassuring to know that we weren't missing out on a better deal with any of the other high street lenders because Sainsburys were offering to beat any rate offered by a competing bank on a like for like basis.Having done all that research on the internet I already knew we were getting a good deal from Sainsburys Bank and if I am honest I am pretty pleased with myself for getting the loan sorted, albeit with a little bit of help from my daughter Now I need to sort her ironing pile out before she starts nagging me!

Review posted by Janet Cooke

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Sainsburys Bank's Standard Loan with its Price Promise guarantee is, in my opinion, one of the best personal loans available at the current time. I spent ages researching various lenders and couldn't come up with a single lender that was offering a better deal for the type of loan I was looking for. So, ironically, I didn't need the Price Promise guarantee but the fact that Sainsbury's Bank offer it means they are already pretty confident that they are giving their customers the best deal possible.If I were looking to take out another loan in the future I would probably go to Sainsburys Bank first but maybe try their Shopper Reward loan because the bonus Nectar points would be very handy. Its just a case of balancing out the slightly higher APR you would be paying with the benefits of the Nectar points.

Review posted by Stan Webster

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Being tennis crazy I promised myself that this year I would see the only Grand Slam that I haven't seen LIVE! The Australian Open Tennis Championships are in January and for that I applied for a personal loan from Sainsbury's Bank. I shop there all the time so I thought WHY NOT? My credit rating is high and I have a steady job with a fair income and when I applied online and requested £6000 to be settled by way of 24 equal monthly instalments the loan was approved and all that I then had to do was sign the loan agreement and the money was in my account. An added bonus was all the bonus shopping points my wife would have.Aussie here I come and thank you SAINSBURY'S BANK!

Review posted by Alec Braithewaite

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I could not be more pleased when Sainsbury's came through for me on a personal loan. I had been car shopping and really wanted to trade in my current vehicle and pay cash for the balance. I really don't like dealing with those car sales men and their money managers, plus the credit company's they use seem to offer high interest rates.My wife and I have shopped at Sainsbury's for a long time and when the decision was made to trade my vehicle I went on line to see what the outcome would be to apply for a personal loan with Sainsbury's. It was such an easy process and they gave me an instant decision. My wife encouraged me to go for the Shopper Reward Loan so we could earn extra Nectar points, so it was a win-win situation.

Review posted by Derek Felton

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  • Value For Money

I was paying too much in interest on my credit cards and decided to consolidate my balances into one payment by applying for a personal loan. I had looked around at loan companies and settled on Sainsbury's as their information on line seemed reasonable and I looked like I would be successful in an application, meeting their criteria.I looked them up on the computer and read more about them and how to apply for a personal loan. The interest rates they used appeared to be less than I was currently paying so I completed an application and waited for a decision. They said they give an instant decision, and they weren't kidding, they came back with a positive response and I had the funds pretty soon after to pay off my cards. What a pain-free experience.

Review posted by Walter Finch

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I went to college and university and got my degrees to be nurse so I am fully qualified now and working in a local hospital. The problem is I don't seem to be making any headway into paying off my student loans. My father suggested I get a personal loan to pay off my student loans and just have one payment to contend with, it seemed like a good idea, but who to apply to. He also suggested that I apply to Sainsbury's, I thought he was being funny as I did not know they were into financial services. I shop at the local store and last time I was in there, I had a chat with their customer service. A very nice person gave me the phone number to call to ask about a loan.I called the customer service number when I returned home and the man was very helpful. He helped me complete an application and said he would get back to me with a decision. They were very quick in responding and I was granted a loan to pay off my student loans. Great people to deal with.

Review posted by Samantha R.

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I had decided to re-do my kitchen and make it larger with new cabinets and appliances we had the room to extend into the garden so I knew it was doable. I really did not want to use my savings and thought about applying for a personal loan. I went on line to the Sainsbury's website to see what it would take to get a loan from them. When shopping in their store recently, I noticed that they offered loans and you could obtain extra Nectar points, always a bonus.The application form was easy to complete and I met the criteria they were asking for. The interest rate was not unreasonable so I submitted the form and hoped to get a quick and positive reply. I was not disappointed, they came right back to me and offered me a personal loan at a pretty good interest rate. So I was well pleased and the money was to hand in a couple of days to begin working on my kitchen.

Review posted by Susan Taylor

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I had given my daughter a budget for her wedding but I knew that it would probably go over the amount I had saved. I needed a back up plan and thought I should apply for a personal loan so that I would not be caught short. We shop at Sainsbury's and I knew they offered financial services, plus you could earn some extra Nectar points. I looked on line to see what they needed from me to apply and it seemed pretty straight forward. I filled out the application, providing all the relevant details, and the amount I wanted to borrow.I had applied for the Shopper Reward Loan so we could benefit from the extra Nectar points, although the interest rate would be slightly higher. Their decision came back fairly quickly and the money was in the bank in a couple of days. The repayment amount was doable so I was ready for my daughter's big day.

Review posted by Peter W.

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With Xmas on the way and the whole family looking forward to a great festive reunion at our house I just felt that some extra cash would be handy. Fortunately I knew all about Sainsbury's Bank and their loan services. I applied online for a personal loan of £3000 just to tide us over and as soon as they carried out their credit checks the loan was approved.I then waited a few days for the loan agreement and as soon as it was signed and returned the money was transferred to my account. I elected to pay off the loan over 12 months which suited me fine.The convenience will be greatly appreciated thanks to Sainsbury's Bank.

Review posted by Jerome Anderson

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I know from my recent experience that applying for a personal loan is a relatively easy procedure if you use the online facility that most lenders have. Even my own bank offer that option but I didn't take them up on it because I had already decided to give Sainsburys Bank a go. I was attracted to the Shopper Reward Loan that they were advertising and before I could change my mind and opt for the Standard loan I filled out the application.I knew I could make very good use of the bonus Nectar points and that's one of the reasons why I like shopping at Sainsburys supermarkets especially at Christmas time when I am doing a very big food shop. The benefits I will get from the extra Nectar points will make up for the slightly higher APR I will be paying on this loan. I have already been saving my points from the last year or so and hope to be able to use them to pay for flights to America this Summer.A few of my friends have used Sainsburys Bank for loans and have all been satisfied with them so that is a good enough endorsement for me. If I had got any negative feedback I would have tried one of the other well known lenders such as M&S Bank because I have had a loan from them before and been quite happy with it. That came with some perks but nothing as flexible as Nectar points which I can use for so many different things.

Review posted by Mary Allsop

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  • Value For Money

We had a bit of a debate about which loan to apply for before we agreed on the Standard Loan. It made sense because of the amount of money we wanted to borrow. The lower APR would save us more than the extra Nectar points would be compensating us for.We are having a new conservatory built and we want it all finished before my sister and her husband arrive from New York to stay with us this Spring while they are househunting. The conservatory will be built off the back of our quite small kitchen and we hope it will open up the space a bit and make everything much brighter.We are delighted with the loan we have got from Sainsbury's Bank which all went through smoothly without any hold ups and I just hope the building of our new conservatory goes as well.

Review posted by Judy Featherstone

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My wife and I have just taken out this personal loan with Sainsburys Bank and we have chosen the Shopper Reward Loan because my wife was very excited about the extra bonus points. We use our Nectar reward card all the time and have accumulated rather a lot of points and these will be put to very good use when we book our holiday flights in the summer.We were taking out this loan to buy a new cooker and then we realised that the washing machine could do with replacing also so we applied for a bit more and got enough to purchase both items and some new carpet for the living room. I had to stopthe wife at that point otherwise the list could go on and on!We don't like using our credit cards except when we are away on our holidays and we don't like having too many separate debts to pay so being able to combine all these purchases and just have the one affordable monthly repayment is ideal for us.We looked closely at what other high street lenders were offering before choosing Sainsburys Bank because they were just as competitive and the Nectar points was the deciding factor for us. Even paying the slightly higher APR we were still getting a good deal and if we weren't bothered about the Nectar points we could have opted for their Standard Loan which would have been even cheaper. But we're happy with the loan and with the speedy service we have received from Sainsburys Bank.

Review posted by Howard Brown

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I hadn't planned to start off 2016 with a loan but after getting back from spending Christmas with my sister and her family in their beautiful new home I was seriously fed up with the state of my own place, the kitchen in particular.I love cooking and I spend a lot of time in my kitchen and so I don't know why I haven't done something about sprucing it up sooner. I just needed the wake up call of seeing my sister's new 'state of the art' kitchen to spur me into replacing my one.Getting a personal loan with Sainsburys Bank was fairly easy after doing a bit of a search online. I could afford to borrow enough to allow me to get a really nice kitchen that would rival my sisters one and because I can always make good use of extra Nectar points I opted for the Shopper Reward loan.I am busy planning my new kitchen now because the loan has been approved and the money should reach my account by the beginning of next week. I think using Sainsburys Bank for this loan was perfect for me. I do most of my food shopping there and like everything about their supermarkets in general, so getting a loan from them to buy my new kitchen seems rather appropriate.

Review posted by Ms J., New Malden, Surrey

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Getting a personal loan from Sainsbury Bank was a good idea and it was on the suggestion of my parents who had taken out a similar loan with them just before Christmas.I needed to find the money for the rental deposit on a flat and also settle my credit card bills that had taken a bit of a hit over Christmas. My bank weren't offering a very good APR and so I didn't bother wasting time with them.I knew Sainsburys and other high street stores did loans but I didn't know too much else about them. So I did the usual online search and found out a bit more about Sainsburys in particular and could see at a glance why mum and dad had chosen them for their loan.Mum is a big fan of the Nectar points and I knew without having to ask which loan option they went for. I didn't go for the Shopper reward loan though because I wanted to get the lowest APR possible and Sainsbsurys Standard loan was offering that. They were offering a Price Promise guarantee with that loan so I was confident I was getting the best deal available .By the end of January I should be settled into my new flat with no credit card debts hanging over me and just an easily affordable loan to repay which is a great way to start 2016.

Review posted by Russell Jacobs

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The Standard Loan I have taken out with Sainsburys Bank comes with a Price Promise guarantee which is why I chose it. After looking online I could see that the high street banks and stores were roughly on a par with the APRs they were quoting and so it was simple to just go with Sainsburys Bank who were first on the list because they were promising to beat any rate offered by a competing bank on a like for like basis.You can't really ask for more than that, and it shows that Sainsburys Bank are willing to go just that little bit further to give customers the best deal possible.If this loan has taught me anything it is that the traditional banks have got real competition with these high street stores and they should make more effort to offer competitive loans to their customers otherwise we just might take our banking business away from them and go to our local supermarkets for more than just shopping.

Review posted by Alex R., Marlow, Bucks.

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The end of 2015 will be upon us very soon and if there is one way I'd like to start 2016 it would be to be almost debt free. I had 3 credit cards that I was paying each month and even though I hardly used them they just did not seem to be going down.Taking a friend's advice the idea was to get a personal loan and settle the credit cards once and for all and then just pay off the personal loan and assume total control of your financial future.Sainsbury's Bank was the company I chose to approach after doing some research on Readies and they were great. I applied online and furnished them with all the details they required in terms of employment and financial status. They just needed assurance that you wouldn't default on your payments. My loan request of £12000 was approved very swiftly and the 5 year repayment schedule suited me fine. I then just needed to sign the loan agreement and the money was made available. I've settled the credit cards and now just pay Sainsbury's. What a life changer and all thanks to SAINSBURY'S BANK.

Review posted by Charles Gardner

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The family have a fabulous summer holiday to look forward to this summer and my brain wave of getting a personal loan to pay for it came after a chat over a cup of coffee with my new next door neighbour.She mentioned that she was having a new dining room suite and sofas delivered and she had taken out a personal loan to pay for them. I said I didn't think my bank would be so good at giving loans for that sort of thing and that's when she told me about Sainsburys Bank.After she left I went on the internet and looked them up and found that they were a really good option for small personal loans and when my husband got home I persuaded him to apply for the loan so that we could afford a summer holiday this year.To my amazement he was all for the Shopper Reward loan even though it came with a slightly higher interest rate but we use our Nectar card a lot and the extra bonus points will come in very handy.I'm really glad we have such a nice new next door neighbour who I'm sure I'm going to get along with very well especially if she gives me more good advice like the Sainsburys Bank loan.

Review posted by Pauline R., Basildon, Essex

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It's not that I'm unhappy with my own regular bank but I wouldn't go to them for a small personal loan when I can get such a good deal from Sainsburys Bank and get heaps of extra Nectar points as well.Obviously for things like mortgages thats a different matter but for every day sorts of loans like this one for our holiday Sainsburys Bank are the ideal alternative lender in my opinion.This is my third loan with Sainsburys Bank and I have recommended them to family and friends also because I really do believe they are worthy of recommendation and I wouldn't just be saying that because of the Nectar points. The Standard Loan that Sainsburys Bank offer is a very competitive loan with a lower APR than the Shopper Reward loan so if you are not that bothered about the Nectar points that would be an even better deal for you.

Review posted by Judy Richards

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I changed jobs recently and prior to that my wife used the car to get to work and I used public transport. Now it was really inconvenient because I needed to use the car to get to work. We only had one choice. We needed to buy a reliable second hand car for my wife to use for work.We saw an absolute gem and she really liked it and it was so nicely priced at £6000. My wife was the one who suggested we apply for a personal loan from SAINSBURY'S BANK and that was our next step. We filled in the online application asking for £6000 to be settled over 2 years and the loan was approved very quickly indeed. We did have a very positive credit rating and as soon as we signed the loan agreement the money was in our account.We now have the second car and thank SAINSBURY'S BANK for their promptness and efficiency.

Review posted by John Simmons

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I am delighted with my loan from Sainsburys Bank and I am glad I chose the Shopper Reward Loan because now that I have all those extra Nectar points building up I will have a huge amount to use by the end of the loan and I plan to use them for flights to America in 2018 for my husbands 40th birthday.I know I should really have opted for the Standard Loan with the slightly lower APR but I do think its a swings and roundabouts situation and I am not really missing out because the flights to America would cost me far more than the extra interest I am paying on this loan.My husband doesn't know what I have planned for his 40th so explaining my reasons for opting for the Shopper Reward Loan wasn't easy but I think I got away with it by pleading ignorance about APRs, as if!

Review posted by Eve Marshall

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The Sainsburys Bank Standard Loan was one of the most competitive of all the high street lenders and we chose to go with Sainsburys Bank instead of our own bank because they were offering a price promise guarantee which meant they would beat our own banks quote and so our bank was pipped at the post so to speak.We did think about taking out the Shopper Reward Loan but the higher APR put us off because as much as we would have liked the extra Nectar points they wouldn't really be of real benefit to us and with regards to keeping the cost of the loan to a minimum the Standard Loan did that perfectly with the price promise guarantee.Maybe on another occasion if we are taking out another loan we might consider the Shopper Reward Loan but we would have to have something specific that we wanted to use the bonus Nectar points for otherwise they might go to waste. We'd have to do a bit more research into Nectar points and what they can be used for apart from getting a bit off your weekly food shop.I

Review posted by Kenny Harrison

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With Xmas and New Year on the way and loads of people on the way it was essential that we put up a good face and make sure that we weren't lacking in any department. There'd be dozens of people in and out of our house over the festive period and it was my duty to make sure that whatever anybody wanted to eat or drink, it would be available.A small personal loan of £3000 from Sainsbury's Bank would be sufficient and that's what I did. An online application, very quick approval and in no time at all we had the funds. I elected to pay back in 12 months and everything went so smoothly as I'm sure Xmas would too.You can count on SAINSBURY'S BANK.

Review posted by Mark Warwick

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It was time for a car change and I needed about £10000 to buy the car I really wanted. In the past I'd always saved until I had enough to pay cash which resulted in me always buying really ordinary cars. This time and for the first time I wanted to drive something special.My wife agreed and suggested we get a loan from Sainsbury's Bank. We went online and applied for a personal loan of £10000 which we'd settle over 4 years by way of equal monthly payments.They carried out their credit checks and approved our loan and within a few days after signing the loan agreement we had our money and needless to say we had our car too. All thanks to SAINSBURY'S BANK!

Review posted by Stuart Walker

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There's nothing like a smattering of snow, however light it might be, to get you thinking about the summer and where to go for a bit of guaranteed sunshine.That's what got us thinking about taking this loan out so soon after Christmas. We would have loved this bit of snow a few weeks earlier, who wouldn't? But instead we got rain and more rain and our Christmas Day walk to burn off some of the calories was a sodden sprint around the block and then back home to slump in front of the TV.So this loan is to book our summer holiday and regardless of what the great British weather is like for the next few months, we don't really care because our Sainsburys Bank loan is paying for us to go to Florida in July.We've just had the loan confirmed and I am about to get busy booking our sunshine holiday and with that to look forward to it really doesn't what the forecast is for here in the UK although we will feel a little bit sorry for family and friends who want be lucky enough to join us in sunny Florida.

Review posted by Janet Edory, Kent

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We have taken out a loan with Sainsburys Bank once before and it worked out very well for us so we decided to give them another try when we were looking for this loan. Its so easy being able to go online and do this sort of thing and getting an immediate decision on your loan application is so helpful. You don't end up wasting a lot of time waiting to hear if you have been approved the loan which can be very frustrating especially if it results in you being declined.As with our previous loan from Sainsburys Bank we weren't declined and we can honestly say that it was so easy doing this loan application online. We hope we can continue to apply for our loans in this way and we shall make sure we continue using Sainsburys Bank if they continue to offer the excellent Shopper Reward Loan with the bonus Nectar points.

Review posted by Trevor Cranston

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I wanted to start the New Year off completely debt free and the only way to do that was to take out a personal loan for the total amount of my debt, settle it and then only pay one instalment.The bulk of the debt was two credit cards that had become a nightmare. I had a good job with a better than normal income and my credit rating had to be positive as I'd never missed a payment. So I went online and applied for a personal loan with SAINSBURY'S BANK requesting £12000 and a repayment period of 5 years so there'd be no pressure on me.Certain affordability checks were carried out and then the loan was approved and after I'd signed the loan documents the money was transferred to my account.I've since settled all my debt and thank SAINSBURY'S BANK for for a happier, stressfree life.

Review posted by Charles Faulkner

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A family summer holiday was very important for us last year. We all felt that we needed to bond. My wife had been working very hard and so had I. As we're both regular Sainsbury shoppers my wife was convinced that SAINSBURY'S BANK would have the best personal loan deal available. We went online and filled in an application for a personal loan of £6000 and opted for a 2 year repayment plan.Our loan was approved very quickly and we then just had to wait a few days to sign the loan agreement and the funds were made available. Having a positive credit rating must have helped and my wife was thrilled at the bonus Nectar points.We thank SAINSBURY'S BANK! The holiday was a special time for us.

Review posted by Joshua Peterson

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The Sainsburys Shopper Reward Loan is a brilliant loan option for some one like me. I wanted to take my loan out over a 2 year period so that the monthly repayments would be lower but in the end I opted for a 3 year repayment period, borrowing a bit more than I originally intended.This Shopper reward loan entitled me to 5000 bonus Nectar points and double points for the first two years of the loan. As I am a big fan of the Nectar points this was a nice incentive for me and more than compensated for the slightly higher APR as compared to Sainsburys Standard Loan.I think I would have been happy with either of these loan options but the Nectar points helped sway my decision to the Shopper Reward Loan.

Review posted by Janice Chapman

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With our personal loan from Sainsburys Bank we were able to book our cruise and as this is our first cruise and our first personal loan from Sainburys Bank we are very pleased and excited about the whole thing.We had been promising ourselves a cruise for a while and when some friends said they were thinking of going on a cruise around the Mediterranean and would we like to join them we said yes immediately on the proviso that we were able to get a loan to pay for it.Being relative novices at looking for loans on the internet we weren't sure what sort of loan we should be looking for but our friends gave us some very good advice and suggested we try Sainsburys Bank. It turns out they had used them several times themselves and thats how they were paying for their cruise.We took their advice and got straight on to the computer and applied to Sainsburys Bank for their Standard Loan and were pleased to see that they were offering a Price Promise guarantee which meant we were sure to be getting the most competitive offer compared with the other banks.That was good enough for us and we didn't have to look any further than Sainsburys Bank because we were more than happy with their loan offer.We have booked our cruise and are looking forward to spending time with our friends onboard and no doubt we will be talking about our loans and comparing notes!

Review posted by Ted Burrows

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My wife and I have shopped at Sainsbury's for years, she likes to collect the Nectar points and we think the store is second to none. We had discussed applying to Sainsbury's for a personal loan as we wanted to upgrade our car and did not want to go to a dealer without cash in hand. The wife insisted that we collect extra Nectar points while we were in the process, so I applied for a Shopper Reward Loan. We did pay a slightly higher interest rate, but it was still compatible with the high street banks.The application process was not hard at all and we did it on line. We were delighted with the instant decision to grant us a personal loan and appreciated the speed with which the money was available to us.

Review posted by Albert Foss

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I considered taking out a personal loan to consolidate some debts. My immediate thought of course was going to a bank, however, when I was in Sainsbury's last week, I noticed outside their customer service office a poster that said they offered financial services. I guess I was not aware of this service so I spoke to the lady in the office and she gave me a flyer to take home and read.Having digested the information in the flyer I found myself going on line and pulling up Sainsbury's web site to see what else they had to say. It all looked reasonable and I could see that extra Nectar points could be earned. I decided to fill in the application and see what happened. Well was I surprised when they came back with an instant decision. This was all pretty efficient and I am well impressed.

Review posted by Jeremy W.

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My mother and I always shop at Sainsbury's together and we were talking the other day about my student loans. I said I wanted to try and consolidate them and maybe I could get a personal loan so I would just have one payment. She suggested I apply to Sainsbury's, I was so surprised, I did not know they gave loans. When I got home I got on the computer and pulled up their website. It made interesting reading and seemed simple to apply, so I did.I was very happy to receive an instant reply to my application. I was approved and the money was deposited into my account by the next week. This was so easy and I will be sure to tell my friends about Sainsbury's.

Review posted by Sonya Young

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When I discovered that Sainsbury's offered financial services, like personal loans, I did not hesitate to look into applying to them for a loan. I just love their stores and they seem financially sound in all respects. I believe them to be a pretty reliable establishment.I wanted to find some extra cash for taking a trip with my kids, the savings would be depleted and that was not a good idea, so I did not want to use that account. I found the number to call them direct and with their loan representative, I completed an application. The person was very helpful and friendly and I felt quite at ease doing business over the phone. She said I would receive a response within a day or two, and I did. I was granted a personal loan and not long after the paperwork was done, the funds were deposited in the bank. Very swift process and nice people to deal with.

Review posted by Shirley B.

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I needed to acquire some money for making home improvements. I never realized just how expensive this project would be, the materials alone were really expensive. The items I needed to replace really could not wait any longer so I did not have any option but to start looking around for a potential lender.The wife came back from shopping the other week and said why didn't I try getting a personal loan from Sainsbury's. I said she was daft, but she showed me a leaflet she had picked up for me, I stood corrected. Well I never knew they did that. I got on the phone and talked to a chap in the loan department. He gave me the basic information and suggested I just go on line and take a look at what they had to offer. I could call him back or proceed with an on line application.Well it seemed so easy to do it while I was on the computer. I understand the forms and they seemed simple enough. We had worked out how much we needed and the terms they were suggested looked reasonable. I submitted the forms and an instant decision came back. I was approved for a personal loan and the money was available within a few days, that was brilliant. Good old Sainsbury's I told the wife.

Review posted by Sid Weller

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I had an urgent debt to settle and knew that a personal loan would be necessary. I had in the past asked for loans and had always been knocked back. I'd somehow managed to sort things out without a loan but this time I did need one.I went online onto Readies site and thought I'd have a go and ask SAINSBURY'S BANK for a personal loan of £3000. I also requested a one year repayment period. My credit rating was positive and my employment was steady and to my joy the loan was approved. I then just had to wait for the loan agreement to arrive at my address. I signed the papers and sent it back to Sainsbury's Bank and a few days later the money was in my account. They saved my life and rest assured I will not default on the instalments.The debit order I signed would make sure of that. Sainsbury's Bank helped me out when others wouldn't.

Review posted by Gordon McQeen

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I could get used to these loans from Sainsburys Bank. They are so easy and straightforward to apply for and I particularly like the Shopper Reward loan which gave me so many extra Nectar points on my last loan that I was able to pay for our flights to New York last year.I am hoping to replenish my stock of Nectar points with this current loan that was approved this week and maybe by the time the loan is paid back in 2 years time I will have enough to put towards the cruise my husband and I would like to go on to celebrate our 25th wedding anniversary.Having such an nice bonus to a loan is not usual as I have searched the internet to find something similar and it seems like its only Sainsburys Bank that are offering such a great added extra to their loans. I might be wrong but either way I am very happy with the Sainsburys Bank loan and will continue to use them and hope the bonus Nectar points remain a part of their loan deals.

Review posted by Patricia Anderson

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We have home and pet insurance cover with Sainsburys Bank and we more often than not use them for our travel insurance and currency when going on holiday. However, this is our first loan with them and we'd always said that when the time came that we needed some extra cash we would give their loans a try.The online application was easy, just like the other products we have got through their website and we found the whole process very uncomplicated which is a pleasant change from our usual experience of dealing with banks.Once we had the feedback and knew what we were going to be charged in interest rates and what the monthly repayments would be we didn't hesitate in agreeing to the terms and conditions of the loan.Less than a week later we are in possession of the funds and we couldn't find any faults in the way things have been handled. That's pretty much how we have found all our dealings with Sainsburys Bank so I suppose we shouldn't be too surprised about their consistent good service.

Review posted by Mr & Mrs D., High Wycombe

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My husband of just 6 months and I had our first proper argument. He lost and I hope he realises that he had better get used to losing 99.9% of our arguments because I know best and that 0.01% of the time he does win an argument is because I will choose to let him win.Seriously though, we couldn't agree on whether to opt for the Sainsburys Shopper Reward loan or the Standard loan. I argued that the 5000 bonus Nectar points that come with the Shopper Reward loan would far outweigh the cheaper cost of the Standard loan that comes with a slightly lower APR.My husband didn't even know what a Nectar point was and so I won my argument on the basis that you can't dismiss the value of Nectar points if you don't even know what they are. Your honour, I rest my case. By the way, did I mention that my husband is a lawyer?

Review posted by Nabila Shah

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We've just applied for the Sainsburys Standard loan but I really wanted the Shopper Reward loan. All those lovely extra Nectar points would come in really handy. But my husband wasn't seeing beyond the Standard Loan and its lower APR. and argued that the money we save by taking out the Standard loan will be of more use to us than all the Nectar Points.I really can't agree with him but I don't really know how to go about proving him wrong. Perhaps Sainsbury's Bank would be so kind as to produce some type of information leaflet aimed specifically at Nectar point sceptics like my husband just to show them what we will be missing out on by opting for the Standard Loan. I would be most appreciative. Thank you.

Review posted by Sharon Fisher

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My wife's 50th birthday was approaching and she didn't say it but I knew she wanted to change her car for a second hand SUV so it would be easier to transport our 4 dogs from place to place. I thought it would be a great birthday present.When I told her this she was overjoyed. Unfortunately this was not something we could keep a surprise as we had to trade her vehicle in and also she would have to help me choose the SUV she wanted.As we know SAINSBURY'S so well we applied for a personal loan from SAINSBURY'S BANK for £8000. This was after we had selected the vehicle my wife wanted. The loan was quickly approved and we then signed the loan agreement and the funds were available and all before her birthday. I was still able to tie a ribbon around it.Sainsbury's Bank were great.

Review posted by James Fullard

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The family needed a lump sum of cash to sort out a couple of things at home. We'd been burgled and there had in fact been quite a few burglaries in the area. A lot of our neighbours were now building higher walls around their properties which gave them security and more privacy as well as adding value to their property. We decided to do the same.We got a quote and also had some savings but decided instead to apply for a personal loan to pay for the work. Knowing all about SAINSBURY'S BANK having shopped there for years we applied online for a personal loan of £8000 which we'd settle over 48 months.As soon as we were checked out in terms of affordability the loan was approved and once we'd signed the loan agreement the money was transferred to our account. All this just took a few days and my wife was chuffed with the bonus NECTAR shopping points too. SAINSBURY'S BANK really played the game with us!

Review posted by John Crighton

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Before I forget and get caught up in the excitement of helping my daughter plan her wedding I felt I must thank Sainsburys Bank for the personal loan my husband and I have just taken out to pay for the cost of it.We always knew we would have to rely on a loan to pay for the wedding and we have seen over the years how more and more expensive weddings are becoming. We have a number of friends who have seen at first hand how costly it can be and they warned us when our daughter got engaged to be prepared to re-mortgage the house to pay for the wedding!Well we didn't want to go down the route of re-mortgaging as we quite like the fact that our house is bought and paid for as they say, and so we decided that an affordable personal loan and possibly a bit of our savings would be the better option.As it turns out, we won't have to dip into our savings because we have secured very affordable loan that should cover the cost of the wedding easily provided our daughter doesn't suddenly decide she wants to invite ALL her friends. She's a very popular young lady and we have already had to insist she limits the list of invites to her friends so that we can at least invite some of ours!

Review posted by Heather Adamson

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When we were looking at taking out a personal loan with Sainsburys Bank I gave in and let the wife have the Shopper Reward loan instead of the Standard loan which would have come with a slightly lower APR. I figured it would be worth paying the little bit more in interest rates to let her have the bonus Nectar points. For the life of me I don't know quite what she proposes to do with them but experience has taught me not to pay too much attention just as long as she is happy.We have taken out this loan to pay for a small extension on the back of our house so that I can work from home doing my job as an antique furniture restorer. The savings I will be making by not having to rent a workshop will more than cover the cost of the monthly repayments on the loan. So it made economical sense to do it.Giving the wife the extra Nectar points was the least I could do now that she is going to have me under her feet more often, as she so kindly put it!

Review posted by Stan Morris

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We found the initial application straightforward but after we were refused the loan we received very unhelpful and 'robotic' service from Jacqueline Binnie at Sainsbury's Loans. Trying to appeal the decision to gain a £25k loan was difficult and information constantly not provided when asked. We got our 3 credit reports each that were 'clean' but even trying to forward this on became a nightmare. Every reply from this lady was a generic cut and paste one and made us feel like a statistic. I have taken many loans out with Sainsburys in the past, all fully paid up before their end but we were treated poorly here. We won't be appealing any longer and will try elsewhere. We are 'real people' you know. Please try and remember that even though you may hate your job!

Review posted by Joan Atkinson

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We chose the Sainsburys Bank Standard loan because the interest rate was lower than the Shopper Reward loan. I think if we'd been borrowing a smaller amount we would have been tempted by the bonus Nectar points. However this loan is for our daughter's wedding and we have to try and keep the costs down in every possible way.We originally planned on getting the loan from our own bank but as we got busy searching online we realised our bank weren't as competitive as we had hoped they would be. It was rather disappointing really because we did want to use our bank for such a large loan.Now that we have sorted out this really competitive loan with Sainsburys Bank we are more than happy that things turned out the way they have and we would probably consider using Sainsburys Bank again even if our bank were giving a good rate. We might even opt for the Shopper Reward loan and take advantage of all those bonus Nectar points.

Review posted by Elizabeth Palmer

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Sainsburys Bank was our final choice after spending a couple of hours comparing different lenders. We found the loan comparison website a great help and we wouldn't have arrived at our final choice nearly as quickly without this website to help us.We could see at a glance what each potential lender was offering and we were surprised that Sainsburys Bank were so competitive because we'd assumed the supermarket banks would not be able to offer as good a deal as the regular high street banks.We don't mind being proved wrong in this case and what's more, we have a a whole load of bonus Nectar points that come courtesy of the Shopper Reward loan that we chose.

Review posted by Ann Woolston

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In days gone by one of the most difficult things to do was pop into a bank and get a positve response to a loan request. Nowadays as long as you have a credit rating it's one of the easiest things to do and the people you deal with are so pleasant and helpful.My latest experience was asking SAINSBURY'S BANK for a personal loan of £6000. They didn't even have to see me as it was all done online. I gave them all the info they needed and about one week later I had the money. INCREDIBLE! That would never have happened in the past. The red tape would have driven you crazy and you would have given up.Also the APR is really good and the payoff period is designed to suit your situation. My congratulations to SAINSBURY'S BANK!

Review posted by Steven Walsh

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My wife and I took out this Shopper Reward loan with Sainsburys Bank because we were keen to take advantage of the the 5000 bonus Nectar points that were on offer and with double points as well for the first two years of the loan we couldn't resist it.I initially thought we should just go for the Standard loan with the slightly lower interest rate but we use Nectar points a lot and all those extra ones will come in very handy for us. It will be like having money in our pocket and my wife has already decided what we should do with the majority of them. Personally, I hope it's to use on a nice holiday somewhere and not another trip around some stately home. That Downton Abbey program has got a lot to answer for!

Review posted by M. Bayliss

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The Sainsburys Standard loan is a good all round loan package which comes with a competitive interest rate and affordable monthly repayments. No fancy extras, just basic borrowing without any hidden clauses. The Exclusive price promise is good to have but I don't think it is exclusive because some of the other lenders I looked at offer a similar guarantee but it's good that Sainsburys Bank are competing with them in this way.I have no misgivings about choosing the Sainsburys Bank Standard Loan and I am sure I will not encounter any problems repaying the loan which means I have made the right choice and my reason for taking out a loan will be achieved when I sign the rental contract on my new flat.

Review posted by Ted Green

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We love travelling and do a lot of it. We especially enjoy europe with all it's history. The idea was to buy a mobile home and once a year travel by road and visit different parts. We decided that not only would we save a lot but we'd also see a lot more, things that the normal tourist doesn't. The one we wanted was priced at £35000. We had some savings put away and decided that £15000 was what we needed to borrow to offset the deficit.We'd never made personal loans before but going online and comparing loan companies we opted to approach SAINSBURY'S BANK for a number of reasons, but mainly because we knew them.We applied online and as soon as we were checked out the loan was approved. We then signed the loan agreement in which we asked for the 60 month repayment schedule. We were also given a load of bonus shopping points. We now have our mobile camper and could never have done it without SAINSBURY'S BANK'S help.

Review posted by Austin Prentiss

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We've had a marvellous opportunity to join some friends at their holiday home in Madeira this Summer and we needed to get some financial help to pay for our flights etc. We had a couple of rather large outgoings at the end of last year which left our savings a bit low.Our daughter suggested we take out a personal loan and showed us how to look online for a suitable lender and that's how we arrived at Sainsburys Bank. We liked the idea of their Shopper Reward Loan and my husband was happy with the interest rate they were charging.So we worked how much we could afford in monthly repayments and based our loan amount around that. Sainsburys Bank have confirmed that our loan has been approved and we are delighted with the outcome.The bonus Nectar points will be very handy and we will be giving some serious thought as to how best to use them.

Review posted by Maude Cresswell

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The hardest part about our online loan application for a personal loan from Sainsburys Bank was deciding which loan to go for. I am sure that is a dilemma a lot of people like us will have had when applying for a loan from Saisburys Bank. I don't know anyone who doesn't like getting Nectar points when they go shopping and we generally save ours up for Christmas.That means we are currently out of them but not for long because I managed to persuade my husband that we should opt for the Shopper Reward loan and with one click of the computer mouse we have potentially instantly boosted our Nectar points to an amazing 5000 with double points for the duration of our 2 year loan.We'll know for sure once our application has been finalised but we have been accepted for the loan and we we've already started thinking about whether we should be keeping those points until next Christmas or maybe putting them towards our Summer holiday. The jury is still out on that one!

Review posted by Linda & Chris S., Essex

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We have just got approval for our Sainsburys Bank Shopper Reward loan and I am very excited because it means I can get my new kitchen installed before I have a house full of visitors in March for my husband's 60th birthday party.I love entertaining and I want to do the catering for the party myself which should save me a lot of money. Being able to do all the cooking and preparation in my brand new kitchen with all the labour saving gadgets I plan to buy will make the whole job a lot more fun.The shopper Reward loan was a good choice for me because I can make very good use of all those extra Nectar points. I've already got some ideas about using them for my husband's birthday present.This really is the perfect loan for me and my husband because I get my lovely new kitchen and he gets a 60th birthday party to remember!

Review posted by Mrs J., Carshalton, Surrey

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We have made a good choice with the Standard Loan from Sainsburys Bank. It is one of the cheapest loans we have seen advertised and even if we had chosen the Shopper Reward loan we think it would still have been very competitive.Our bank wasn't offering such a good APR and we found that rather disappointing because we thought they might have made some concessions for customers like us who have been with them for as long as we have.So it is just as well that there are other lenders like Sainsburys Bank to choose from because the big high street banks have had the monopoly for far too long in our opinion.

Review posted by Mr & Mrs Clarke

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The Standard Loan coming with an exclusive Price Promise guarantee was all I needed to see to help me make my mind up about whether to go with Sainsburys Bank for my personal loan. They wouldn't be offering that guarantee if they weren't able to back it up so I didn't feel the need to put them to the test. I figured other people may have already done that.I just wanted a loan that I knew was fair and competitive and one that I could easily afford. I didn't want to be overpaying no matter how little that overpayment might be. I'd rather those extra pounds were in my pocket than the lenders'.I have been totally satisfied with the service I have received while taking out this loan from Sainsburys Bank and would certainly consider them again if I needed another loan in the future.

Review posted by Robert E., Loughton, Essex

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I was after a small personal loan because we simply overspent over the festive period. I had thought about a payday loan but the amount we needed was a bit more and payday loans put you under pressure.We needed about £4000 to close a few holes and went online and had a look at READIES to find a good deal. We opted for SAINSBURY'S BANK. We applied online for a personal loan of £4000 and were amazed that the loan was approved so quickly.We did have a positive credit rating and it took a few more days for us to sign the loan agreement in which we also asked to repay over 2 years. The instalments would be comfortable for us and The APR was a lot better than normal. As an added bonus we were given loads of bonus NECTAR shopping points.The money was made available soon thereafter and we are really impressed with the way SAINSBURY'S BANK works.

Review posted by Eric Sanderson

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After we had applied for our personal loan with Sainsbsurys Bank and it was approved, I had forgotten that we opted for the Shopper Reward loan and so it was a lovely surprise to see all those Nectar points on our statement when it came through.Although we are paying a slightly higher interest rate we know we will be getting a lot of benefit from so many extra Nectar points. We are already looking at using them for our holiday flights this Summer.If we weren't such avid collectors of Nectar points we would probably have gone with the Standard Loan but either way we know we would still have got a great deal on a loan from Sainsburys Bank and that 's why we have come back to them again for another loan.

Review posted by Miriam D., Highgate, London

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The reason I came back to Sainsburys Bank for my second loan was because the first one was just about everything I was looking for in a competitive loan. I just wanted to get the same great deal as I did before. It was 2 years ago but they have remained competitive with their interest rates and so I felt happy taking my chances with another loan from them and so far so good.I resisted the temptation to choose the Shopper Reward loan as I did before and maybe I should have given that option a go this time but I will give it serious consideration the next time if only to appease the wife who seems to think we are missing out on a wonderful opportunity.

Review posted by Jeff Hawkins

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When I realized that Sainsbury's had a bank and offered personal loans, I just happened to be in the market for a newer vehicle. My car had quite a few miles on it and it was time for an upgrade.I learned about the Sainsbury's bank while in the store a few weeks back. My wife likes to collect the Nectar points so I thought this might be a good idea. I went on line and looked at the application. I chose to ask for The Shopper Reward personal loan and submitted the completed application. The came back really quickly with an instant decision and lucky old me gets to go shopping for a better car.What a smooth and easy process, I will consider recommending Sainsbury's Bank to my friends.

Review posted by Mike Sterling

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I am a regular shopper in the Sainsbury's local store, I just love their produce and you can get just about everything you need. I was reading a flyer I picked up in the store about their other financial services, being curious, when I returned home, I pulled up their website. I was interested to see what they needed if you applied for a personal loan.I have a few odd debts with varying interest rates and was thinking about paying them off and just having one payment. Seemed like a very practical way to deal with these balances. Anyway, I liked what I learned on the website and decided to ask Sainsbury's Bank for a personal loan, I chose the standard loan so hopefully the interest rate would be better than I was already paying.Well it turned out this was a splendid idea, they answered with an instant decision and the terms offered were really good. That was a simple and efficient process by the Sainsbury's Bank, I am very happy with them.

Review posted by Cheryl Owen

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My wife has been nagging me to redo the kitchen in our house, and I have to admit it does need a make-over. When I started to look into how much new appliances and building materials would cost, I was a bit put out. There was not enough in the coffee tin to cover that much expense so it would have to be a personal loan from some where.The wife shops as Sainsburys and mentioned after her last visit to the local store, that they offered loans, did I know that. Well I must admit I did not know that. We looked on line at their website and felt we met the criteria they asked for, so we filled out an application. Sainsbury's are full of surprises, they came back right away and approved us for a loan. The terms were acceptable and we were on our way to redoing the kitchen. Brilliant.

Review posted by David Bentley

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I have been in my current job a few years now and everything is going very well. I have money in the bank and am living quite comfortably. After college, however, I still had college fees to pay as I had to take out loans to pay for my education.I wondered if it would be a good idea to take out a loan to pay off these fees and just concentrate on one payment going out each month. It would be great too, if the interest rate was better than those I was paying. I shop in Sainsbury's on a regular basis and had seen the posters in the store for different financial services they offered. I decided to give them a try for the purpose I had in mind.I have to report that Sainsbury's Bank were really easy to work with and they did grant me a personal loan to pay off my college fees. It was a simple process and they were very helpful in explaining their procedures.

Review posted by Susan Whitman

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Sainsbury's Bank came up on my radar when I was researching on line for a lender. There are many to choose from and its quite the challenge to select the best organization. I wanted to consolidate my credit card debt, I had got the balance down quite a bit, but it was going so slowly I wanted to be done with paying those high interest rates.Sainsbury's Bank offered very competitive rates and I fit the criteria they needed to take out a loan. So when I applied on line I was hopeful that they would consider me a good risk. Well I guess they did, they came back with an instant decision and I liked the terms they were offering me. The interest rate was a great improvement on what I had so I was well pleased.

Review posted by Clive Saunders

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I have a Standard Loan with Sainsburys Bank which I am delighted with. It's just been approved and I hope to have the funds in my bank by the end of the week. I do shop regularly in Sainsburys supermarkets but that's not why I chose to get my loan from them. I chose Sainsburys Bank because the Standard Loan really is one of the most competitive loans available at the moment. I did quite a bit of research before I chose them and I don't think I could have got a better deal anywhere else.I think it helped that I wasn't tempted by their Shopper Reward loan. That comes with a slightly higher APR and might well have been less than competitive unless you are a big fan of Nectar points in which case it might suit those people just as much as my Standard loan suits me.

Review posted by Katie Medcroft

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Sainsburys Bank Standard loans come with an exclusive price promise guarantee and once I read that I didn't bother to check out any other of the high street lenders' websites. I was in a hurry anyway and wanted to get the loan sorted before I lost internet connection and that price promise was good enough for me. I did lose internet connection and had to start all over again the next day but this time I just went straight to Sainsburys Bank and got the whole thing sorted with plenty of time to spare. My loan is to help me move to a new flat and hopefully my new flat will have better internet connection!

Review posted by Sonya R.

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We've just completed the online loan application for a Shopper Reward loan with Sainsburys Bank and we thought we would post a review to say how easy we found the whole business of doing this online. It is such a time saver for us because we both work long hours and we have precious little time to spare when we get home.We're not sure how long the rest of the application will take from here on but we're happy to have got the online quote confirmed and approved and we'll just wait patiently for the next stage and hopefully it won't be too long before we have the money in our bank account.

Review posted by Martin McCann

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Sainsburys Bank were not my first choice for a loan but after I did what a friend advised and looked on a couple of loan comparison websites, I decided they were actually offering one of the best deals with their Standard Loan, a low rate and affordable monthly repayments, just what I wanted.I was pleasantly surprised because I felt sure my own bank were going to be able to beat any of these supermarket lenders but that was soon proved to be a wrong assumption. I shall learn not to judge a book by its cover in future and I will also learn to take more advice from my friend who seems to know what she is talking about when it comes to finding a competitive loan.

Review posted by Julie P., Keston, Kent

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Decisions, decisions! Do I opt for the Shopper Reward Loan or the Standard Loan? I do my weekly shop in Sainsburys and I am always popping in to the one near work at lunch times or on the way home. So the amount of Nectar points I would accumulate if I took out the Shopper Reward loan would be quite considerable. But the savings I would make by opting for the Standard loan that comes with a slightly lower APR would make the monthly repayments much more affordable for me. In the end I decided on the Standard loan but it literally was decided by the toss of a coin!

Review posted by Margeaux J., London

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I am delighted with the Sainsburys Standard loan that I have taken out. It is competitive and the repayments work out to be much lower than I anticipated which is always a good thing. There was a Shopper Reward loan alternative but I don't think I personally would have benefited much from lots of extra Nectar points but maybe I'm wrong. I must look into what these Nectar points are all about and whether or not they might have been of use to me. In the meantime, I more than pleased with the terms and conditions of this Standard loan and if my own bank had been able to match it I would probably have gone to them and the issue of the Nectar points would not have arisen.

Review posted by J. Smith

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We've used the Sainsburys Bank Standard Loan twice now to borrow money and we've found it to be the best loan for our particular needs. We like that it comes with a price promise guarantee because it means we haven't missed out on a more competitive deal from a similar bank.Sainsburys Bank haven't been able to tempt us with their Shopper Reward Loan yet because we are always more focused on the APR and the lower we can get it the better. But we can see why some people might take that option over the Standard Loan because the extra Nectar points are very handy from time to time.

Review posted by Maggie K., Tonbridge, Kent

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Now that we have had our Shopper Reward loan approved we will be on a mission to earn as many extra Nectar points to go with the 5000 we were instantly eligible for with this loan. Double points every time we use our reward card means it won't take too long to get the points we need.The loan is to pay for our trip to New York but if we can, we would like to be able to use some if not all of our accumulated points towards the cost of the flights. If we can do that then we will have got an even better deal because we'll have spare cash left over which will come in very handy for all the shopping we plan on doing once we get to the Big Apple!

Review posted by SuenJon

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I'd had too good a holiday and spent a bit too much at the casino. Naughty boy! I won't do that in a hurry again. And now I'm a bit short. I do have a pretty good job and I know it will be only temporary but I was forced to ask SAINSBURY'S BANK for a personal loan of £4000 which I'd settle over a 24 month period.I applied online and as soon as I was checked out in terms of creditworthiness and employment and residence etc, the loan was approved and a short while later I had the money after I signed the loan agreement.Everything is now back to normal and for that I thank SAINSBURY'S BANK.

Review posted by George Enslin

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We saw a Sainsburys Bank advert on the TV and were reminded that they would be an option for us when we were looking for a loan. My husband suggested we have a look at their website to see what they were offering in terms of interest rates and we found that they really were very competitive in comparison to a lot of the high street banks, ours in particular.So we went out on a limb a bit and applied there and then for a personal loan which we wanted to use to pay for a cruise holiday, once again it was a TV ad for cruises that got us thinking about what to do for our summer holiday.We got quite excited when they said yes to our online application and after we'd finished on their website we got straight on to looking at cruises. We weren't sure how long the whole process would take but were fairly confident there wouldn't be any problems with our credit check and before we knew it, in just over a week we had the loan and were able to go ahead and book our cruise.The power of TV ads definitely seems to work!

Review posted by Mrs J N, Hounslow

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Getting my loan from Sainsburys Bank was so easy and straightforward. I did the online bit and got a good idea as to what it would be costing me in monthly repayments and then had a quick look at a few other lenders before going back to Sainsburys.It was the Shopper Reward loan that did it for me. I use my Nectar points for all sorts of things and the thought of a whopping 5000 extra points and then double points for the next two years was just too much to resist. I've got my loan approved now and I am planning what to do with all those Nectar points.

Review posted by Jack P., Shepherds Bush

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I took out a loan with Sainsburys Bank because they were offering a very good rate on their Standard Loan which was a much better option for me than what I was quoted from my own bank. I don't really know why banks can't offer their own customers a rate that they can go and get some where else. Don't they want to keep their customers happy?Sainsburys Bank would get my custom any day so long as they are still offering such competitive rates on their loans. Even their Shopper Reward loan was a good option for me but I wouldn't have put the Nectar points before getting the lower rate that comes with the Standard loan. But I'm sure there are lots of people who would like all those extra Nectar points.

Review posted by Dermot P., Hythe

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Before I chose the Sainsburys Bank Standard loan I looked at what the other high street lenders were offering in terms of APR and the Sainsburys Standard Loan won hands down. For me the most important factor of the loan had to be getting the lowest rate and that is what I have achieved with this Standard Loan from Sainsburys Bank. Of course I was tempted by the 5000 bonus Nectar points, who wouldn't be. But I kept to my original plan and have no regrets because I now have a competitive, affordable personal loan that I am very satisfied with.

Review posted by Bettina Wilson

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After being regular shoppers at Sainsbury's and then finding out that they also offer multiple financial services too, we thought it normal that we approach SAINSBURY'S BANK for a personal loan so that the wife and I could go on a real holiday. We've not been for a few years and thought a luxury cruise would be dead right.We applied online and asked for £6000 with a 2 year payback option and after the necessary credit checks were carried out our loan was approved.We then just waited a few days and signed the loan agreement and shortly thereafter the money was made available.My wife chose a Med cruise and is also very happy with the bonus shopping points too. SAINSBURY'S BANK really try and help their clients.

Review posted by Michael Donaldson

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I'm a doglover and had been waiting for a long time for the two puppies that had just become available. They were thoroughbred Belgian Shepherds and I wanted them so much. I'd had Belgian Shepherds before and to me they were the ideal pets.I needed to take out a personal loan not only to pay the breeder but also to build the kennelling that would be necessary.As I know Sainsbury's so well I applied online for a personal loan and requested £6000 and also a 3 year repayment plan. My credit rating was checked and confirming my affordability the loan was approved.It was then just a matter of days and the money was transferred to my account after I signed the loan agreement.SAINSBURY'S BANK were really helpful and professional.

Review posted by Bruce Grant

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I was looking around for a while as I need money for our wedding but I wanted the best possible rate available to myself as weddings them self if not carefully can be a total wrip off. So when looking for a loan to cover the venue and dinner cost I knew I was looking for the best of the best as it is my wedding after all and where the money comes from to pay it I will be paying back for a long time so I have to make sure it's all perfect , and give myself no extra worries.Sainsbury's Bank I have heard of them before and they ranked number one on every comparison website I looked at so my decision was pretty wasy as to where I was planning to borrow money.Not only have I got a very good loan from Sainsbury's Bank and I am also earning alot of extra Nectar points which will come in helpful around Christmas shopping time. It really was a lovely extra to get so many extra points that I didn't exspect to get any in the first place.

Review posted by Easter Kerr

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I found this company after I web search online when I was looking to borrow money. I was thinking of re decorating our second bedroom since we have a new baby on the way I want to turn it into a nurse as in time she will need her own room and no is as best a time as any. So after I found them online I used there helpful calculator to help me work out how much I would be paying monthly. I could afford to pay back around £200 a month and I needed to borrow £4000 so once I found our what the best term was I applyed.It worked out I would borrow the money I needed over 2 years so it is 24 months of repayments that are under the limit I can afford. They did offer me points but I don't have a card thing and I didn't take any deferment in payment I want the room done and earthing ready for my little girl and get this loan paid off as fast as possible.

Review posted by Alison Anderson

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I wanted a loan with Sainsbury's and they advertise 4.3% and I was approved for 5.7 % and I wasn't sure as to why this had happened untill I read the fine print in the documentation they sent me. Maybe my credit score is not as good as I thought I was after all these years off never missing a payment I thought it was alot better than 5.7 %I had to talk things threw with my partner before I decided to go ahead with the loan and the higher rates makes the monthly payments higher and I wanted to be sure I could afford it before I went any further and got any money.I have made my first repayments and so far it has not been as bad as I thought we have still enough money to live this month and paid all our bills and rent that we needed to so let's hope it stays this easy the next 24 months. Fingers crossed.

Review posted by Miss K Richards

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Hello , My name is Claire I applied for a personal loan with Sainsbury's Bank online. I found the whole process easy and the allocation to be the easy eat part. I applied with the rate showing as 4.5% but when I heard back from Sainsbury's Bank they would not let me borrow at that rate. I had to borrow over 36 months and not the 24 months I wanted to since the rate I was approved for was highter.I still went a head with the loan even thought it was highter I could still confortbly afford the repayments taken over a slightly longer period of time.Thank you Sainsbury's Bank.

Review posted by Claire

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After i saw a advert that caughy my eye , I applied for a Sainsbury’s Shopper Reward Loan. I was looking to borrow money to construct my debt in to one monthly payment and in doing this is it also let me get lots of bonus Nectar points and this is like. I was not to sure how to use the website so I called the helpline and asked to talk to an adviser about the shopper rewards loan and they explained everything to me.I was surprised at how quick the paperwork and documentation came threw the next day. Also the terms and conditions were very easy to understand , even for myself and a few days later I had the money I needed thanks to sainsbury bank.

Review posted by Dean

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It was time once again to hear '' another one bites the dust''. My best friend was getting married and I had to organise the stag. All the guys said we had to get as far away from home as possible so I organised that we go to Barcelona. Everybody agreed but I was a bit short and I would need a personal loan for a small amount to see it through.My wife told me about SAINSBURY'S BANK and so I went online and asked for a personal loan 0f £4000 which I'd settle over 2 years so my wife could benefit from the nectar bonus shopping points. I filled out the form detailing my credit history etc. and the loan was approved very quickly. I then just had to sign the loan agreement and the money was put into my account.I appreciated that SAINSBURY'S BANK saw the urgency and treated it that way. We had an incredible weekend in Barcelona and I have SAINSBURY'S BANK to thank for it.

Review posted by Paul Hartman

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I was searching online to find a company who would let me borrow money with them short term. 12 months personal loans are not always given to people now with the financial state of this country. I tried with many other company's to borrow money 12 months and some of them would not even let me apply for 12 months , It was 24 months or longer. When I found Sainsbury's I was glad to see they would let me apply for 12 months loan for 4000 pounds , this is good news.I was accepeted for a loan with Sainsbury's the rate was not as small as I want. I got a rate of 4.1% so it was alright I tried but they would not change this to 3.6% I wanted to I said yes to the 4.1 loan.For 12 months it is still a good rate.

Review posted by Mr N Patel

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I have always had a Sainsbury’s store card for the last couple of years and I love using it when I go food shopping. I collect lots of extra points and i always recieve vouchers at the end of the year which I can use to buy gifts and i also get monthly vouchers in the post. I found out by looking on the Sainsbury's website after i got my monthly vouchers in , i have never checked them online before and i am glad that i did. I found out that as a club card holder I was entitled to special rates on Sainsbury's loans and more reward points. I thought this could be the best time to take the chance to consolidate my finances once and for all, so I applied online straight away with Sainsbury's Bank.

Review posted by Jinty Smart

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Shopping at Sainsbury's was the only reason I chose SAINSBURY'S BANK to request a personal loan. I went online and briefly compared their rates and found it unnecessary to look elsewhere. I had a stable job and also my credit rating had to have been positive so when I applied for a personal loan of £6000 the loan was approved very quickly and even my wish to repay over 2 years by way of 24 equal monthly instalments was accepted.It was really so straightforward and I especially appreciated the promptness that was shown. I recommend all to use Sainsbury's Bank when in need of a loan of any type.

Review posted by Vernon Dewhurst

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For the holiday of a lifetime! Well that's what my wife has called it. And this compelled me to take out a personal loan of £8000 to satisfy my wife's demands. A luxury Caribbean cruise for 10 days was what she wanted and after applying online with SAINSBURY'S BANK it seems that she was going to get itEverything was done online and completed in a flash. Credit checks and employment verification and the loan was approved with us having to repay over 3 years. As soon as we'd signed the loan agreement the money was transferred to our account and we were then able to book our dream holiday.All this was thanks to SAINSBURY?S BANK'S efficiency. Not to mention all the bonus nectar shopping points.

Review posted by Jerry Sanderson

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A personal loan of £8000 was what the missus and I were after to sort out a few things at home and take a weeks break in Spain. Being a shopaholic and especially at Sainsbury's the wife knew all about their financial services too. So it was Sainsbury's Bank that we asked for the personal loan and as soon as our financial and employment situations had been checked out the loan was approved. We then just had to sign the loan agreement in which we opted for a 3 year repayment schedule and the money was tranferred to our account and we then were able to do what had to be done. For this we thank SAINSBURY'S BANK!

Review posted by Wilson Avery

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I have to say I was very surprised at how helpful the staff were at my local Sainsburys store when I enquired about their loans. They even offered to help me with the online application when I said I wasn't particularly good on the computer. My loan was eventually sorted out over the phone with the help of the well informed young lady who talked me through the whole process. I've been shopping at Sainsburys for many many years and this wonderful service from them has just made me more determined to remain a loyal customer. Its nice that you can still get such good service at my age when a lot of companies have so little patience with the older generation.

Review posted by Ann Grainger, Essex

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We're very happy with our Shopper Reward loan from Sainsburys Bank and we would definitely recommend this particular loan to our friends. We all like the opportunity to get more Nectar points and we use them usually for our frequent visit to Spain so the 5000 extra point we are getting with this loan will come in very handy.We first used Sainsburys Bank a while back but just opted for the Standard loan which was extremely competitive and we always said that if Sainsburys loans remained as competitive as they are we would be a bit more adventurous and opt for the Shopper Reward loan the next time we needed a loan and so thats what we have done this time and we couldn't be happier with our decision.

Review posted by Kath & Steve., Burton-on-Trent

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Getting the 'blue screen of death' come up on my computer was absolutely not what I needed at the end of last month. Ok it was pretty old, but I rely on my computer for my studies and my work, and I simply cannot get everything done without it. I went into some of my local electrical stores, but nothing was in my price range. One store offered me a payment plan, so that I could pay in instalments, but the rates really didn't seem that great. I went home and had a look at what deals I could get online, which is when I came across Sainsbury's loans. It worked out that taking out a loan, would actually work out much better value for money than the payment plan I was offered by the store. It definitely pays to shop around!

Review posted by Jo Underwood

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Sainsbury's is normally who I would go to for my groceries, not my financial needs, so when I saw the rates they offered on short term personal loans, I was really surprised. In the past when I've needed some extra cash, I've always gone directly through my bank, but now I realise just because they are the ones I've got an account with, doesn't necessarily mean that they're the ones who can give me the best deals. When I compared the loan I've taken out with Sainsbury's to the deals I've had in the past, it just made me wish I had come across them sooner.

Review posted by Ruth Bulmer

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When a friend of mine told me they were going on safari in Africa and asked did I want to go with, I jumped at the chance. That was until I heard the price, at which point my heart sank. After some deliberation, I decided this was really a once in a lifetime opportunity, and I should just go for it, so I started looking at personal loans. I wasn't prepared to spend hours trawling the Internet, so was relieved to find Sainsbury's loans relatively quickly, offering great deals. I was able to proceed with the whole process online, and it was even faster and easier than I had previously predicted. I'm so excited about my holiday, and am glad I was able to make use of Sainsbury's financial services.

Review posted by Carla Hickley

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I really don't think I would bother with my own bank for a loan any more. I have had two superb small personal loans from Sainsburys Bank now and I have been totally satisfied with both of them.This current loan has just been approved with an even better rate than I got with the first one a couple of years ago and because I have opted for the Shopper reward loan both times I have accumulated a very nice amount of Nectar points which I am going to use towards flights for this years Summer holiday to Florida.I wouldn't get such a nice bonus from my own bank and I doubt that I would get such a competitive rate either. I did check before going with Sainsburys Bank and each time my bank weren't as competitive.

Review posted by B. Garvell, Highbury, N London

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This is the first time I have used the services of Sainsburys for anything other than the weekly shop, but I am so delighted with this personal loan that they just approved for me that I do wish I had considered Sainsburys Bank before now.I had a small personal loan with my own bank a couple of years ago and wasn't overly impressed with the terms and conditions of it and the interest rate they charged me was just about acceptable. I wasn't keen on going back to them for another loan and that's when I had a look on the internet and compared other lenders.Sainsburys Bank are among the most competitive of all the high street lenders and it was an easy choice to make to go with them as I am a regular customer and have a Nectar reward card.So on top of this very competitive loan I am also getting a huge amount of extra Nectar points which will come in very handy.

Review posted by Judy H., Dartford, Kent

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I have just completed the last payment on my personal loan with Sainsbury's Bank, and have been very pleased with their service. I had been putting off leaving them a review, as I am a bit superstitious and didn't want to jinx anything, but they really provided me with a trouble free service and there were never any hidden costs or extra fess at any point. Being able to access the amount of money I needed has really helped me get a grip on my finances again, and now I am in a much more stable position thanks to the help from Sainsbury's Bank.

Review posted by Sienna Thomas

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With Sainsbury's price promise guarantee, the stress was really taken out of applying for a loan. I didn't need to spend hours trawling the internet and comparing different lenders, because with Sainsbury's I knew if I found a better deal elsewhere, that they would match it. Initially I thought there must be a catch somewhere, or some hidden fees, but there really wasn't – it was just a straight forward service that enabled me to get the money I needed at a time when I wanted a little extra financial help. I will definitely be recommending the services of Sainsbury's bank to a couple of friends of mine that are in a similar situation to the one I was in.

Review posted by Heidi Fillen

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Sainsbury's certainly wasn't the first money lender that sprung to mind when I was considering applying for a personal loan, but I was pleasantly surprised by their loan terms and rates, especially their price promise guarantee (this wasn't something I had come across with other lenders I'd looked at). In the end I opted for their shopper reward loan, as this will really benefit me, and with a family of five to feed and take care of, money off the weekly shop really helps. All I can say is don't be put off applying for a loan with Sainsbury's just because financial services aren't their mainstream product, their deals really are the best that I found on the market.

Review posted by Zita Steering

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Terrible. Don't give you your agreed interest rate until you receive the paperwork a week and a half later. I got several automated emails which all contradicted each other and were therefore utterly pointless. When I FINALLY got my paperwork I had been offered double the advertised APR despite the fact I have perfect credit score (and I mean perfect having printed it out days earlier). Call centre staff are rude, obstructive and condescending. Wish I hadn't applied to them in the first place - I now have a mark on my credit score for a credit check on a loan I'm not going to use. Just awful.

Review posted by Kitty2112

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I'm a shopaholic who has taken out a personal loan with Sainsburys Bank and of course I have opted for the Shopper Reward Loan instead of the Standard Loan, what self respecting shopaholic wouldn't? I am a big fan of Nectar points and getting 5,000 bonus points and double points for the first 2 years of this loan was just too tempting an offer to resist. I know I'm paying a slightly higher APR but I can justify it because I will make very good use of those extra Nectar points and will probably end up saving more money. I have plans to visit America in the next 12 months and those extra Nectar points will almost certainly be enough to pay for my flights. If you use Nectar points in this way they really can be the better option than a slight saving on interest rates. I don't think I am wrong but I'll just have to wait and see.

Review posted by Lorraine Fletcher, Eastleigh

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I got my car repairs sorted and have managed to book a holiday too with the loan I got from Sainsburys bank. Actually my mum found them for me and helped me with the loan application process but she can't really use the internet very well so I did have to sit through it all with her which took 3 times as long as it would have done if I had bothered to do it by myself. Anyway its done now and mums happy that I have my loan and my car is back on the road so I don't have to keep borrowing hers. She wasn't too keen on the idea of me borrowing more money to pay for the holiday as well but I have promised her that I will do extra shifts at the call centre I work in and give her a bit extra in housekeeping each month as well, which she seemed more than happy with.

Review posted by Ben Trotter, Billericay

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With the help of these very handy loan comparison websites my wife and I finally settled on Sainsburys Bank for our personal loan. We found the website extremely helpful and it certainly cut down on the time it would normally have taken us to do our research before choosing the right lender.We haven't had a loan of this type for many years so we weren't altogether sure what we should be looking for in terms of APR but the website helped us get a general idea of what the main banks and high street lenders were offering.We chose Sainsburys in the end because their APR was very competitive but we also liked their Shopper Reward Loan which comes with 5000 bonus Nectar points. We do like collecting our Nectar points and we thought such a lump sum of them plus double points over the duration of the loan would come in very handy.We know the Shopper Reward loan comes with a slightly higher APR than the Standard loan Sainsburys offer but we felt it would be worth it because we will be making very good use of the Nectar points. All in all we are very happy with this personal loan from Sainsburys Bank and we're delighted to have been able to pick them so quickly with the help of the Readies loan comparison website.

Review posted by Desmond Clarke, Weybridge

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I was in a bit of a quandry as to which of the Sainsburys Bank personal loans to go for. My husband's advice was the Standard Loan for the obvious reason that it comes with a lower APR but I was very tempted by the Shopper Reward loan that comes with 5000 bonus Nectar points and double points for the first two years of the loan. As I use my Nectar card quite a bit that would amount to a lot of extra points over the next two years and so I decided to go with the Shopper Reward loan.I am sure the benefits of so many extra Nectar points will make up for the slightly higher rate although my husband isn't convinced. He obviously doesn't realise quite how much use my Nectar card gets and it's probably best that I keep it that way!

Review posted by Janette P., High Wycombe

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Have been shopping buying fuel for my and wifes car for some many years in Sainsburys Received many post mail offers loan and when finallly made decision to apply my application was rejected.. So we are dissapointed with this fact Sainsbury’s Bank’s interest rates are very fair and I think this is a great deal for people needing a personal loan. I’d especially recommend it for frequent Sainsbury’s shoppers Anyway will try somewhere else if needed in future And have to write extra words to reach 100 words for my review to be accepted :) Still need a few words more Hmm Have agood day everybody

Review posted by raf

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Our personal loan from Sainsburys Bank couldn't have worked out better. I debated for a while about whether to opt for the Standard loan or the Shopper Reward loan but in the end I couldn't resist the 5000 extra Nectar points and the double points for the first 2 years of the loan.The loan is to help pay for our wedding and my fiance was keen for us to just go with the Standard loan with its slightly lower APR but when I told him we could put the bonus points towards our honeymoon he relented and agreed to go with the Shopper Reward loan.Now that the loan has been approved and we have the money safely in our new joint bank account my next job is to sort out the honeymoon and make sure I put those 5000 Nectar points to good use and get us to our dream honeymoon location!

Review posted by Holly Bartlett, Colchester

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Our Mediterranean cruise is coming courtesy of the superb personal loan we have just been given by Sainsburys Bank. We haven't been on a cruise before so we are really looking forward to it but when our bank refused us a loan we thought we might have to put the cruise on the back burner so to speak until we could save enough money.Then a friend mentioned that the banks weren't the be all and end all of lenders and that if we went onto the internet and looked on the many loan comparison websites we would be bound to get lucky and find a loan that we could afford and more importantly one that the lender was prepared to offer us!We did just that but we never thought it would be Saiinsburys that came to our rescue and with such a competitive loan as well. As far as we are concerned our bank can go whistle for any more business from us. Now that we have got our loan from Sainsbsurys Bank we are seriously considering taking our entire banking business over to Sainsburys. When we get back from our cruise we are going to get straight on to it.

Review posted by G Forbes, Gillingham

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Every couple of years the wife and I go on a cruise and we do it with the help of a small personal loan from Sainsburys Bank. This will be our third loan in just over 6 years and our 3rd cruise. We love these cruises and feel we get so much more out of them than a regular two week holiday to one of the Spanish resorts. Because the cruises cost a bit more we don't mind only doing them every two years and that's why we can afford the repayments easily. Spread out over 2 year period they are much easier for us and we hardly miss the money each month. Sometimes we can even afford to get away for just a week to Spain so we are getting the best of both worlds with these loans from Sainsburys Bank. This time we have opted for the Shopper Reward loan which means the loan comes with the bonus Nectar points that my wife has been badgering me about. Well she's got her way this time so maybe I'll get some peace and quiet on this cruise!

Review posted by George Hill, Basildon

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My personal loan from Sainsburys Bank came about when my neighbour told me she was going to buy her husband some new golf clubs from Sainsburys and I said the expected response that I didn't know Sainsburys sold golf clubs, followed by her predictable fit of laughter when she said that Sainsburys don't sell golf clubs but they do give you loans to buy them yourself. By this time I was losing the will to live when all I had asked her was what she had planned for hubby's forthcoming 60th birthday. Anyway some good did come out of the conversation because I decided to have a look at these Sainsburys loans myself and that's how I came to get my personal loan with 5000 Nectar points thrown in as well. I haven't asked her if she opted for the Shopper Reward loan too but I if she didn't I'll bet she had a really good reason why and to be honest I can't be bothered to find out so I'll keep quiet on that point.

Review posted by Maureen Crosbie, Amersham

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I needed a personel loan urgently as My Car had broke and I was left with no vehicle to run around doing my job in. I needed a new starter motor, new battery and 2 new tyres So when I contacted Sainsbury to ask the if they would allow me to take out a Personel Loan. I was absolutely delighted when the answer was yes. They loaned me 2,000 , so finally I could get my car fixed. Because I had the money to pay for the car repairs it meant I could get back to normal life. Thank you Sainsbury for your friendly service and prompt decision.

Review posted by Kayla Demetri

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I had no idea that sainsburys even had a bank or did personal loans until I picked up a leaflet in my local supermarket. After having a read through I decided the rates looked good and gave them a call. The lady that talked me through it all was extremely helpful and clarified all my questions. I'm a self employed gardener and have been struggling to take my business to the next level, and I also needed some extra cash to help me out with a few personal expenses. The loan has enabled me to get more equipment and do some much needed advertising which thankfully is paying off. I can now continue to work for myself and hopefully the busier I get the less I will struggle to do so. No regrets in taking out a loan with Sainsbury's!

Review posted by Lisa B

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I have been retired for 3 years now and although we have enough to make ends meet and our mortgage is now paid off, I desperately wanted to take my wife on the cruise she's always wanted to go on for her 60th without the worry of eating into our savings and taking out a loan with Sainsbury's meant I could pay for my two daughters and grandchildren to come too. I was amazed how straight forward it was and my loan was deposited straight into my account. Needless to say my wife is thrilled and the cruise is booked for next month. Very satisfied customer indeed!

Review posted by William Donald

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Just want to say a big thank you to customer service team at Saisburys bank that provided me with the help I needed. I had a nasty fall in my garden which left me needing knee surgery. I wasn't considered an urgent case on the nhs so decided to go private I couldn't wait around for my insurance to help me out as we all know how long that can take. Paying for the surgery out of pocket was fine but I didn't want to be left trying to get by for the rest of the year so a small personal loan was ideal for me. They decided I was eligible and payment was prompt. Thanks again.

Review posted by Margaret Smith

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I had gotten a bit carried away with my spending and got myself into overdrafts on various credit cards I was also struggling to keep up with my car payments and late paying my rent. I really didn't want to turn to my parents yet again to bail me out! My friend told me about the Sainsburys loan she took out a few months ago and how fair the payment plan was and so I decided it was just what I needed so took the plunge. The staff that helped me get it all sorted were really helpful and I'm now finally getting my life back on track, I have learnt my lesson and will not be getting myself into unnecessary dept again!!

Review posted by Liz Turner

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it was so easy and straight forward dealing with the staff at Sainsbury' bank. At first, I thought it was too good to be true but it wasn’t. My loan was approved within 48 hours and the money was in my account within a few days. thanks to their service, I’m free of all my credit card debts and will be relatively debt free in 3 years. It's taken a long time and many sleepless nights to get here and I'm so thankful I have. Its great to no longer feel I'm carrying a massive weight on my shoulders. Thank you!

Review posted by Ed Mathews

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Sainsbury's is a wonderful company. They have helped me on more than one occasion. As a single mother living paycheck to paycheck, I do sometimes depend on their help to pay bills. They are very quick to get back to you with a loan quote and usually answer any questions within a day or so. I first found out about them from readies and then after talking to close friends I realised a lot of people I knew had used their loan services. They are approachable and pretty easy to use. I've now used them several times with no big issues or complaints.

Review posted by M. Burrows

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We've had a good experience with Sainsbury's personal loan department. After getting engaged to my childhood sweetheart in 2014 we have been saving and planning for so long and still coming up short. Our parents aren't in the position to help us out financially so we started looking into loans. I must admit I was a little sceptical when my now husband mentioned looking into a Sainsbury's personal loan, I mean it's a supermarket! But little did I know it's much more than that nowadays. I found them very easy to communicate with and they were very helpful. With in a week we had been approved an affordable loan and had set the date!

Review posted by Melody

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I'm getting a loan off a freaking supermarket! Yep that's exactly what I shouted out to my gran when I got excepted for my personal loan! Who new that Sainsbury's could help me with a loan, I sure didn't! When my living room was destroyed by an electrical fire that I stupidly didn't have covered with insurance I was stumped at how I could raise the money to fix it all up. the only people I could ask for help were my elderly grandparents, witch didn't sit well with me at all. Then I came across Sainsbury's personal loans and they just fit the bill.. Literally! Quote was quick, acceptance was quick, and the fees and repayments were affordeable! I was saved from the embarrassment of borrowing off the old folks and the problem was solved!

Review posted by Carlo

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Sainsbury personal loan helped me because it is flexible and so easy to use. I wanted to go traveling and needed to book my ticket immediately. I was still working so I knew I could pay off the loan sooner than the term but as the ticket was on Sale it was beneficial for me to buy it immediately. I would definatly use Sainsbury's loans again if I need to buy something that I needed immediately. The flexibility to pay extra on your monthly installments or shorten the length of the loans makes it so easy to buy what ever you want.;)

Review posted by sonia law

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The hardest part about taking out this Sainsburys Bank personal loan was trying to decide which loan option to go for. The Standard Loan with a slightly lower APR or the Shopper Reward Loan with thousands of extra Nectar points? If I'd left the choice to my husband we would have gone for the Standard Loan but as it will be me paying the monthly repayments the final word was down to me and I opted for the Shopper Reward Loan. I can think of a hundred and one things to put those extra Nectar points to good use with and I definitely think the benefit I get from them will outweigh the slightly higher rate I'll be paying for this loan. I appreciate the Shopper Reward Loan might not suit everyone so it's good that Sainsbury's Bank give their customers that choice. I really am very pleased with this loan and I'm glad I chose to go to Sainsburys Bank and not my own bank for this loan. Getting such a good rate and so many Nectar points was too good an opportunity for me to miss.

Review posted by Elizabeth Ashton, Poole

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When I went online to start my search for an affordable personal loan I hadn't even considered someone like Sainsburys Bank. I had focused my attention on the main high street banks including my own. However, it didn't take me very long to see that these high street banks aren't necessarily the best option and with the help of the Readies loan comparison website I was able to see at a glance that Sainsburys Bank were likely to be my best option based on the APR they were quoting for the amount I wanted to borrow.That turned out to be the case and here I am now posting a review to say thank you to Sainsburys Bank of all people for giving me a very competitive and convenient loan that I really should have been able to get from my own bank but couldn't!

Review posted by Neville Fogarty, Henley-on-Thames

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I was booked on the Cross Channel ferry to Santander, having paid the booking deposit months ago but disaster struck and I had to use the money I had saved to pay the final amount due. I had less than 2 weeks to find the extra money and I knew I wouldn't get much luck from my own bank so didn't even bother with them.I spent the evening online checking out every loan website and finally ended up applying for my loan with Sainsbury Bank. To my relief they approved my loan and within 3 days I had the loan documents signed and returned them back by courier to hurry up the process. I have just had confirmation that the funds are being deposited into my bank account today which means I can pay the rest of my ferry ticket with days to spare before I would have lost the booking and my deposit. Thank you so much Sainsburys Bank!

Review posted by Deirdre Flynn, Tulse Hill

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I think the decision process in wanting to or needing to take out a personal loan is a real tough one to deal with, especially with so many loan companies out there now. I had no idea either that Sainsbury's offer financial services until I started looking at all my options. Being overwhelmed by the choice and getting so confused with all the interest rates I decided to go with a reputable company that offered the Shoppers Reward Scheme- simply because I love my nectar points anyway and this seemed like the only opportunity where I didn't just get punished for taking a loan with high interest rates. Instead here you feel like you get something back that is useful, besides the actual loan! I considered this loan a necessity as I really wanted to visit my sister who lives in the USA and really needed some sister time, but whatever your reason is, sometimes you just want to treat yourself for once and cannot come up with a lump sum, but can afford the monthly payments. Either way I really recommend this option with Sainsbury's.

Review posted by Natasha Dunn

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Having used all my saving to buy a house I had nothing left to make any improvements. With a young family I didn’t want work on the house to drag out over years so I borrowed the money to pay for it. I left it to my wife to find a lender and she came back with the Sainsburys Shopper Reward loan. It has higher interest rates but gives back brilliantly with nectar points. With all the nectar point we earned on top of what we already had we were able to buy some nice extras to decorate our house.

Review posted by Tom B

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I am absolutely delighted with this great personal loan from Sainsburys Bank. I had no idea Sainsburys Bank were so competitive with their loans until I checked them out on the loan comparison website and it was a real eye opener for me. It's not just the regular high street banks that offer competitive loans and at the moment it seems that Sainsburys are offering one of the best, if not the best interest rates. I am certainly very pleased with the rate they have quoted me for my loan and I have been telling all my friends about it. I also think their Shopper Reward loan is one of the best perks of taking out a loan and I'll be putting all those lovely Nectar points to very good use.

Review posted by Karen Brownlow, Chichester

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Sainsburys Bank have approved this fantastic personal loan for me and I just wanted to post a review to say how very impressed I have been with the whole process. I really had no idea it would be this simple and straightforward. I had originally planned to go to my own bank for this loan but when I saw that Sainsburys Bank were really competitive and they were offering a Shopper Reward loan that comes with tons of bonus Nectar points I just couldn't resist and went straight ahead and applied. I got an instant 'yes' and was already spending those Nectar points before the loan was even finalised. I am so pleased I checked out the loan comparison website before applying because I think I might have missed out on this loan and just played safe and gone with my own bank.

Review posted by T. Hudson, Gillingham

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