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Sainsbury's Bank

Top up loans

Need to borrow a little extra? Read on.

Top up loans

Here’s how you can top up your loan

If you already have a loan with Sainsbury's Bank, you could potentially borrow more. Each loan cannot exceed £30,000. Your total borrowings must not exceed £40,000.

For example:

You may already have a loan with us for £5,000. You could take out a second loan with us up to the maximum value offered (£30,000) as this is a combined total under £40,000.


You may already have a loan with us for £15,000. You could take out a second loan with us up to £25,000 as this is a combined total reaches the £40,000 cap.

We offer two ways to top up your loan.

Option 1

  • Combine your existing loan with your top up and repay over a longer term. You'll need to pay up to 58 days' interest to settle your current loan early. You'll also pay extra interest as we'll extend your loan term and amount.

Option 2

  • Take out a second loan at our current interest rate, to run alongside your existing loan at its original interest rate.

Call us on 0800 096 0543 to discuss your options. 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.

These options aren't guaranteed offers and you'll be subject to the normal application process. The rate we offer on the new loan could be higher than your existing loan and will depend on your personal circumstances, credit assessment and other related factors.

Helpful guides

Explore our library of guides on loans and a whole host of related topics.


Got questions?

Please take a look at our FAQ section, where we answer the most common questions that we’re asked about loans.