Sainsbury’s loans calculator and review

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20 of 34 results

Finder Score	Loan amounts	Loan terms	Fee	Repayments
Promoted Finder score 8.3Great M&S Bank Personal Loan	Finder score 8.3Great	£1,000 - £30,000	1 year - 7 years	0%	£363.17 (£13,074.13 overall) Representative Example: Representative 5.8% APR fixed. Based on a loan of £12,000 for 36 months at 5.8% p.a. Total £13,074.13 repayable at £363.17 per month.	Representative Example: Representative 5.8% APR fixed. Based on a loan of £10,000 for 60 months at 5.8% p.a. Total £11,502.6 repayable at £191.71 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 8.2Great M&S Bank Personal Loan	Finder score 8.2Great	£1,000 - £30,000	1 year - 7 years	0%	£363.17 (£13,074.13 overall) Representative Example: Representative 5.8% APR fixed. Based on a loan of £12,000 for 36 months at 5.8% p.a. Total £13,074.13 repayable at £363.17 per month.	Representative Example: Representative 5.8% APR fixed. Based on a loan of £10,000 for 60 months at 5.8% p.a. Total £11,502.6 repayable at £191.71 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 7.9Great First Direct Personal Loan	Finder score 7.9Great	£1,000 - £50,000	1 year - 8 years	0%	£363.17 (£13,074.13 overall) Representative Example: Representative 5.8% APR fixed. Based on a loan of £12,000 for 36 months at 5.8% p.a. Total £13,074.13 repayable at £363.17 per month.	Representative Example: Representative 5.8% APR fixed. Based on a loan of £10,000 for 60 months at 5.8% p.a. Total £11,502.65 repayable at £191.71 per month.	Continue More info Compare product selection Compare	loading
Finder score 8.9Great HSBC Premier Loan Finder Award	Finder score 8.9Great	£1,000 - £50,000	1 year - 8 years	0%	£363.17 (£13,074.13 overall) Representative Example: Representative 5.8% APR fixed. Based on a loan of £12,000 for 36 months at 5.8% p.a. Total £13,074.13 repayable at £363.17 per month.	Representative Example: Representative 5.8% APR fixed. Based on a loan of £10,000 for 60 months at 5.8% p.a. Total £11,502.65 repayable at £191.71 per month.	Continue More info Compare product selection Compare	loading
Finder score 6.8Standard Tesco Bank Personal Loan (Clubcard)	Finder score 6.8Standard	£3,000 - £35,000	1 year - 10 years	0%	£363.17 (£13,074.13 overall) Representative Example: Representative 5.8% APR fixed. Based on a loan of £12,000 for 36 months at 5.8% p.a. Total £13,074.13 repayable at £363.17 per month.	Representative Example: Representative 5.8% APR fixed. Based on a loan of £10,000 for 60 months at 5.8% p.a. Total £11,502.6 repayable at £191.71 per month.	Continue More info Compare product selection Compare	loading
Finder score 6.4Standard Nationwide Building Society Personal Loan	Finder score 6.4Standard	£1,000 - £50,000	1 year - 7 years	0%	£363.17 (£13,074.13 overall) Representative Example: Representative 5.8% APR fixed. Based on a loan of £12,000 for 36 months at 5.8% p.a. Total £13,074.13 repayable at £363.17 per month.	Representative Example: Representative 5.8% APR fixed. Based on a loan of £10,000 for 60 months at 5.8% p.a. Total £11,502.6 repayable at £191.71 per month.	Continue More info Compare product selection Compare	loading
Finder score 7.4Great Santander Personal Loan Finder Award	Finder score 7.4Great	£1,000 - £25,000	1 year - 5 years	0%	£363.69 (£13,092.66 overall) Representative Example: Representative 5.9% APR fixed. Based on a loan of £12,000 for 36 months at 5.9% p.a. Total £13,092.66 repayable at £363.69 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 7.1Great TSB Personal Loan	Finder score 7.1Great	£1,000 - £25,000	1 year - 5 years	0%	£363.69 (£13,092.66 overall) Representative Example: Representative 5.9% APR fixed. Based on a loan of £12,000 for 36 months at 5.9% p.a. Total £13,092.66 repayable at £363.69 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £7,500 for 60 months at 5.75% p.a. Total £8,646.6 repayable at £144.11 per month.	Continue More info Compare product selection Compare	loading
Finder score 6.8Standard TSB Personal Loan	Finder score 6.8Standard	£300 - £50,000	3 months - 7 years	0%	£363.69 (£13,092.66 overall) Representative Example: Representative 5.9% APR fixed. Based on a loan of £12,000 for 36 months at 5.9% p.a. Total £13,092.66 repayable at £363.69 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £7,500 for 60 months at 5.75% p.a. Total £8,646.6 repayable at £144.11 per month.	Continue More info Compare product selection Compare	loading
Finder score 6.4Standard Barclays Premier Barclayloan	Finder score 6.4Standard	£1,000 - £50,000	2 years - 5 years	0%	£363.69 (£13,092.66 overall) Representative Example: Representative 5.9% APR fixed. Based on a loan of £12,000 for 36 months at 5.9% p.a. Total £13,092.66 repayable at £363.69 per month.	Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.	Continue More info Compare product selection Compare	loading
Finder score 6.8Standard Tesco Bank Personal Loan (Non-Clubcard)	Finder score 6.8Standard	£3,000 - £35,000	1 year - 10 years	0%	£365.23 (£13,148.24 overall) Representative Example: Representative 6.2% APR fixed. Based on a loan of £12,000 for 36 months at 6.2% p.a. Total £13,148.24 repayable at £365.23 per month.	Representative Example: Representative 6.2% APR fixed. Based on a loan of £10,000 for 60 months at 6.03% p.a. Total £11,607.6 repayable at £193.46 per month.	Continue More info Compare product selection Compare	loading
Finder score 5.9Standard Barclays Barclayloan	Finder score 5.9Standard	£1,000 - £50,000	2 years - 5 years	0%	£365.23 (£13,148.24 overall) Representative Example: Representative 6.2% APR fixed. Based on a loan of £12,000 for 36 months at 6.2% p.a. Total £13,148.24 repayable at £365.23 per month.	Representative Example: Representative 6.2% APR fixed. Based on a loan of £10,000 for 60 months at 6.2% p.a. Total £11,608.2 repayable at £193.47 per month.	Continue More info Compare product selection Compare	loading
Finder score 7.6Great HSBC Personal Loan Finder Award	Finder score 7.6Great	£1,000 - £30,000	1 year - 8 years	0%	£366.26 (£13,185.31 overall) Representative Example: Representative 6.4% APR fixed. Based on a loan of £12,000 for 36 months at 6.4% p.a. Total £13,185.31 repayable at £366.26 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661.05 repayable at £194.35 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score Not yet rated HSBC Personal Loan	Finder score Not yet rated	£1,000 - £30,000	1 year - 8 years	0%	£366.26 (£13,185.31 overall) Representative Example: Representative 6.4% APR fixed. Based on a loan of £12,000 for 36 months at 6.4% p.a. Total £13,185.31 repayable at £366.26 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661.05 repayable at £194.35 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score Not yet rated AA Personal Loan Member	Finder score Not yet rated	£1,000 - £35,000	1 year - 8 years	0%	£366.26 (£13,185.31 overall) Representative Example: Representative 6.4% APR fixed. Based on a loan of £12,000 for 36 months at 6.4% p.a. Total £13,185.31 repayable at £366.26 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £7,500 for 60 months at 6.4% p.a. Total £8,745.6 repayable at £145.76 per month.	Check eligibility More info Compare product selection Compare	loading
Finder score 7.4Great Halifax Personal Loan	Finder score 7.4Great	£1,000 - £50,000	1 year - 7 years	0%	£366.26 (£13,185.31 overall) Representative Example: Representative 6.4% APR fixed. Based on a loan of £12,000 for 36 months at 6.4% p.a. Total £13,185.31 repayable at £366.26 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 48 months at 6.22% p.a. Total £11,321.28 repayable at £235.86 per month.	Continue More info Compare product selection Compare	loading
Finder score 6.8Standard Halifax Personal Loan	Finder score 6.8Standard	£1,000 - £25,000	1 year - 7 years	0%	£366.26 (£13,185.31 overall) Representative Example: Representative 6.4% APR fixed. Based on a loan of £12,000 for 36 months at 6.4% p.a. Total £13,185.31 repayable at £366.26 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 48 months at 6.22% p.a. Total £11,321.28 repayable at £235.86 per month.	Continue More info Compare product selection Compare	loading
Finder score 7.4Great Lloyds Bank Personal Loan	Finder score 7.4Great	£1,000 - £50,000	1 year - 7 years	0%	£366.26 (£13,185.31 overall) Representative Example: Representative 6.4% APR fixed. Based on a loan of £12,000 for 36 months at 6.4% p.a. Total £13,185.31 repayable at £366.26 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 48 months at 6.22% p.a. Total £11,321.28 repayable at £235.86 per month.	Continue More info Compare product selection Compare	loading
Finder score 7.4Great Bank of Scotland Personal Loan	Finder score 7.4Great	£1,000 - £50,000	1 year - 7 years	0%	£366.26 (£13,185.31 overall) Representative Example: Representative 6.4% APR fixed. Based on a loan of £12,000 for 36 months at 6.4% p.a. Total £13,185.31 repayable at £366.26 per month.	Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 48 months at 6.22% p.a. Total £11,321.28 repayable at £235.86 per month.	Continue More info Compare product selection Compare	loading
Finder score Not yet rated AA Personal Loan	Finder score Not yet rated	£1,000 - £35,000	1 year - 8 years	0%	£366.77 (£13,203.84 overall) Representative Example: Representative 6.5% APR fixed. Based on a loan of £12,000 for 36 months at 6.5% p.a. Total £13,203.84 repayable at £366.77 per month.	Representative Example: Representative 6.5% APR fixed. Based on a loan of £7,500 for 60 months at 6.5% p.a. Total £8,765.4 repayable at £146.09 per month.	Check eligibility More info Compare product selection Compare	loading

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Finder Score for unsecured loans

To make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

How did Sainsbury’s personal loans work?

Sainsbury’s Bank offered unsecured personal loans, meaning they were based on creditworthiness, rather than using property, vehicles and other assets as collateral. While Sainsbury’s rates were definitely competitive, the advertised representative APR may not be the rate you would receive: Sainsbury’s would offer you a rate based on assessment of your personal financial circumstances.

Here was the typical process for taking out and repaying a Sainsbury’s loan:

1. Apply to borrow – over – years. If you’re happy with the results of your eligibility check, you can proceed to the real application. Sainsbury’s will auto-fill fields with information you’ve already provided. You’ll be asked for your Nectar card number and you’ll need to decide whether you want to take advantage of the two-month repayment holiday at the start of the loan (if you can, it’s cheaper not to).
2. Get an instant decision (in most cases)… In a few, exceptional cases, Sainsbury’s Bank might request additional information.
3. …and access funds straightaway. Once your application has been approved, you can accept the loan offer online and the money should be transferred immediately. If you’s prefer to receive and sign the physical documents, Sainsbury’s Bank says it will transfer the money within 1-5 working days of receiving signed documents.
4. Pay a fixed sum each month for the duration of the loan. Because the interest rate is fixed, you’ll pay the same amount each month and you’ll know upfront how much the loan is going to cost overall.
5. Repay some or all of the loan early, if you wish to. Pay back your some or all of your loan early at any time. An early settlement fee equivalent to 58 days’ interest on your remaining balance may apply.

Use the eligibility checker to find out your chances of getting approved for the loan you have in mind (this will involve a “soft” credit search that doesn’t have any affect on your credit score).

Sainsbury’s will present you with your chances of approval and a repayment example. This is a useful indicator but not a guarantee of approval, and the numbers could change after a full credit search.

If your application is likely to be approved you can proceed to the actual application (which involves a “hard” credit search and a slight – usually short-lived – negative impact on your credit score).

Am I eligible for a Sainsbury’s loan?

Sainsbury’s Bank are no longer accepting new loan applications from new or existing customers. If you are an existing customer, no immediate changes will be made to your current products or services.

Sainsbury’s Bank customer reviews

In our independent 2025 customer satisfaction survey, 87% of Sainsbury’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s great customer service, competitive rates and easy application process.

One customer said: “Easy and same day payment, affordable monthly pay back and no hassle”. Another praised the “good rates” and “flexible payment plan”.

Customer support

You can contact customer support on 0800 056 0565. Lines are open Monday to Friday 8am – 8pm and Saturday 8am – 4pm. If you’re struggling to pay, you can call 08085 405060. Lines are open Monday to Friday 8am – 7pm, and Saturday and Sunday 8am – 5pm.

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 528 Finder guides across topics including:

• Loans & credit cards
• Building credit
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