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Loans help & support

Loans guides

Managing your loan

Find out how to make extra payments, pay your loan off early and get your latest balance.

Topping up your loan

If you already have a loan from Sainsbury’s Bank you may be able to borrow more. Find out how.

Taking out a new loan

Find out about our loans, how to apply and what you can expect when you take out a loan with us.

Cost of living

See how you could save money by checking out our handy hints and tips on how to cope with rising living costs on our cost of living hub.

Managing your repayments

If you're having financial difficulties managing your loan repayments, we want to help.

Find out what we can do in our debt management section.

Your top loans questions

Requesting a settlement figure

Click here opens in new window to request a settlement figure.

Alternatively you can call us between 8am and 8pm, Mon-Fri, 8am and 6pm Sat-Sun on 0800 096 0543*, selecting option 1. Additionally you can write to us at Sainsbury's Bank, PO Box 4955. Worthing, BN11 9ZA

Changing your payment date

Click here opens in new window to change your payment date.

Alternatively you can call us between 8am and 8pm, Mon-Fri, 8am and 6pm Sat-Sun on 0800 096 0543*, selecting option 1. Additionally you can write to us at Sainsbury's Bank, PO Box 4955. Worthing, BN11 9ZA

Changing your direct debit details

I applied for my loan: after 10 December 2017

You can change your direct debit by:

  1. Logging in opens in new window to your account. Not already registered? Register here opens in new window.
  2. Land on 'My Accounts'.
  3. Select 'Account Details' for your loan account.
  4. Select ''Change my Direct Debit' from the list of links on the right hand side of the screen or at the bottom of the page if you’re using a mobile phone. This will open a secure message.
  5. Simply detail the new sort code and account number you are looking to change to and hit 'Send'.

Please note, your bank details can only be changed once your first payment has been made. For future changes, you need to inform us at least 10 days before your next payment is due.

Log in (Opens in new window)


Alternatively you can call us between 8am and 8pm, Mon-Fri, 8am and 6pm Sat-Sun on 0800 096 0543*, selecting option 1. Additionally you can write to us at Sainsbury's Bank, PO Box 4955. Worthing, BN11 9ZA.

I applied for my loan: before 10 December 2017

You can change your payment date by:

  • Calling us opens in new window or
  • Writing to us at Sainsbury's Bank Loans, Retail Account Processing, Tower House, Charterhall Drive, Chester, CH88 3AN.

Topping up your existing loan

If you would like to borrow more, just give us a call on 08085 40 50 60*, select option 3 and we'll be happy to discuss it with you.

We’re open Monday to Friday 8am–8pm, Saturday and Sunday 8am–6pm.

Telephone calls may be recorded for security purposes and monitored under our quality control procedures. Calls are free from a landline and from a mobile when calling from the UK.

How to get an update on your loan application

While we aim to make an instant decision on all loans, we sometimes need to do some additional checks. If this is the case we’ll be in touch by email or post with our decision. This normally takes three days, but if we’re busy it can take up to five days.

If you’ve been waiting for longer than this, then you can call us on 08085 40 50 60* between 8am and 8pm, Mon-Fri, 8am and 6pm Sat-Sun.