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Sainsbury's Bank

Personal loan calculator

Borrow any amount from £1,000 to £40,000

Loan Calculator

Use our calculator below to find the ideal loan for you and apply online now. All quotations given are for illustrative purposes only.

If you already have a loan with us, check out your options. Top up your loan.

Are you a Nectar member? Nectar Logo

If you’re a Nectar member, you'll qualify for our lowest rates.

What is your Nectar card number?

Enter a valid Nectar number

Is this a single or joint application?

Calculator result

Monthly repayment


Total repayable


Illustrative APR


Length of Loan

60 months

Loan amount


Annual interest rate (Fixed)


Representative Example

You could borrow £10,000 over 60 months with 60 monthly repayments of £181.24. The total amount repayable will be £10,874.40. Representative 3.4% APR, annual interest rate (fixed) 3.4%.

*Representative APR applies to loans of £7,500 - £25,000, between 1-7 years depending on loan value, for Nectar members. Other rates apply to other loan amounts.

All quotations given are for illustrative purposes only. We treat all our customers and their applications on an individual basis. 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 3.4% to 24.9% APR.


How our loan application works


From buying a car, making home improvements or sorting out your finances, there are many occasions where a loan can come in handy. And it could be more affordable than you think.


  • You could get your money in as little as 2 hours, or the next business day, once you’ve been accepted

  • Our online application is quick and easy to complete, you can sign your agreement online, and upload any documents we might need

  • Find out how likely you are to be accepted, and rate we might offer you, without affecting your credit score

Already have a loan with us? Check out your options for topping up your loan.

What do you plan to use your loan for?

Car loans

Looking for a new or used car? Let us help you start the journey

Home improvement loans

Use our loan calculator to see how much you could borrow to spruce up your home

Wedding loans

Planning a wedding? Perhaps a loan could help you make your big day a reality

About our loans

If you want to know more about how our loans work before you apply using our personal loans calculator, check out our handy guides.

How our loans work

Find out what information we’ll need when you apply for a loan

Full lending criteria

Are you eligible for a loan? Check which types of income we’ll accept and things you can’t borrow for

Got a question?

If you’re unsure of how the loan process works – our FAQ section is a great place to start

Useful guides

We have a range of loans guides and tools that can help you decide if borrowing money is the right call for you.

Can I afford a loan?

Our guide covers different types of credit, budgeting, APR, credit scores and more

Debt consolidation loan

Choose to move all your debt in to one easy to manage payment with a debt consolidation loan

Loans glossary

Confused by the financial jargon around borrowing money? Have a look at our loans glossary