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The APR we offer is determined by the details you supply and the loan you are applying for, along with an independent verification of your credit and repayment history and will range from 3.1% to 22.8% APR. Calls are free from a landline and from a mobile when calling from the UK.

At least 51% of accepted loan applicants will be offered the Representative APR advertised for the particular loan amount and term, or a lesser APR. We’re open Monday to Friday 8am–10pm, Saturday 8.30am–6pm and 9.30am–5.30pm on Sundays.

All other accepted applications will be offered a higher rate. If you've already got a personal loan from Sainsbury's Bank and your financial needs have changed, topping up your existing loan could be the answer. Telephone calls may be recorded for security purposes and monitored under our quality control procedures.

Whether you're planning on some home improvements, replacing your car or simply getting your finances in order, a loan from Sainsbury's Bank could be more affordable than you think.

Use our calculator below to find the ideal loan for you.

All quotations given are for illustrative purposes only.

Annual Interest Rate (fixed) is 3.90% p.a., with a representative 3.9% APR based on borrowing £10,000 and repaying over 60 months with 60 monthly repayments.

How to make a claim: The Offer does not apply to the following rate or loan types: - Loans where the funds are not available for immediate use - Discount rates offered only to members of groups or individuals who meet previously specified criteria; - Rates that are not immediately available, promotions that are not at everyday rates and products which are sold under different terms and conditions, such as special financing (i.e.

You must have qualified for our Personal Loan but must not have accepted our offer by signing and returning the loan agreement.Multiple credit searches may make obtaining future credit more difficult.Monthly repayments of £183.41 with total amount repayable of £11,004.60.Price Promise Guarantee Our Price Promise Guarantee means that if you are offered a like for like loan with a lower APR by another lender we will beat it by 0.1%.

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- Any personal products being charged interest at a variable rate; - Any personal and non personal loan type products including but not limited to lease, contract hire, hire purchase or conditional sale agreements; - Loan agreements where interest has been temporarily or permanently suspended (including deferred payments and 0% loans for an initial period); - Loan agreements where the funds are to support periods of study, or the period immediately following completion of studies (for example, student loans or graduate loans).We treat all our customers and their applications in an individual basis.

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