Before you start

Now that you're starting to apply you should be aware of certain terms and conditions that apply. That's why we ask you to read the terms and conditions and data protection act.

What do I need to apply?

• Your residential address for the last 3 years
• Your bank/building society details
• Your monthly incomings and outgoings
• Employer's name and address
• Nectar card number (if you have one).
   

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Will my details be secure?

 All data sent as part of the application process is protected by 128 bit encryption

In order to process your completed application form, we will carry out credit reference or other enquiries in accordance with our lending procedures and once you are approved we will then send you a completed application form through the post in order to obtain your signature. A copy of our terms and conditions, data protection act and uses of data information sheet will also be enclosed for you to keep, however it is important that you read these before proceeding.

To apply for our personal loans you must:

• Be over 18
• Have a bank/building society account
• Have a permanent UK address
• Have not been declined for credit in the last month
• Not have a history of bad credit like arrears, county court judgements (CCJ's), default or bankruptcy.
  
  

By completing and submitting this application you agree to the above and confirm that all the information provided by you is true and complete and that you are at least 18 years of age.

We also recommend that you don't apply for more than three quarters of your gross annual salary and that you can afford the repayments you apply for.

Please note that should you decide to apply for Credit Care during your loan application, the sale and administration of this insurance will be undertaken by Bank of Scotland plc. Your policy will be underwritten by St. Andrew's Insurance plc and St. Andrew's Life Assurance plc.  Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England, no. 3279730) is authorised and regulated by the Financial Services Authority (FSA).

#Funds are transferred after our receipt of signed loan documentation and can take up to three days to clear from date of transfer. If you choose the optional courier service an additional amount of up to £50 will be payable 1 month before your first monthly payment. Delivery may take longer for weekend application or in outlying areas.

* Telephone calls may be recorded for security purposes and monitored under our quality control procedures.

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