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Personal loans

Award-winning loans from £1,000 to £40,000

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

Planning a big purchase? Maybe you’re planning some home improvements or buying a new family car – it all adds up. You’ve come to the right place – a Sainsbury’s Bank Loan could be more affordable than you think.

  • From 3.4% APR representative applies to loans of £7,500 - £25,000 taken over 1–7 years depending on your loan value, for Nectar members. Other rates apply to other loan amount

  • 6,000 Nectar points^ for colleagues when you take out a loan

  • Colleagues are guaranteed the advertised rate for their selected loan amount, if approved

  • No application or arrangement fee

Make sure you apply via the ‘Apply now’ button below to get your points and guaranteed rate. Credit is subject to status.


Before applying for a loan

Wondering how to get a loan? Our loan application process is simple.

But before you apply, there are a few things you should think about.

Our lending criteria

To apply for a loan, you need to:

  • Be at least 18 years old and less than 80 when you apply. You should also be under 83 when the loan is due to be repaid

  • Have a UK-based bank or building society account that can accept Direct Debits. If you’re applying for a joint loan, the first named applicant must be named on this bank account

  • Have a permanent UK address

  • Be in permanent paid employment or retired with a pension

  • Have a gross annual income of over £7,500

  • Not have a history of County Court Judgments or bankruptcy

We won’t lend for any of the following purposes:

  • Business purposes
  • Buying a property
  • Deposit for a property
  • Investment
  • Gambling

Have a look at our full list of lending criteria.

Also make sure you read the Statement of Lender and Borrower Responsibilities. This outlines our key responsibilities and what we ask of you in relation to your loan.

The information we'll need

To make it easier for you, please have the following to hand when you're ready to apply:

  • Your Nectar card number

  • Your residential address(es) for the past three years

  • Your sort code and account number

  • Details of your monthly incomings and outgoings

  • Your employer's name and address

Are your circumstances likely to change?

Do you know of any likely, upcoming changes to your circumstances that could affect your ability to cover your loan repayments? If so, please get in touch to discuss your application before you apply.

Things to consider could include:

  • Fewer working hours
  • Retirement
  • Maternity/paternity leave
  • Increase in your living costs (like higher rent or mortgage payments)

Contact us

Lines are open: Mon-Fri 8am-8pm, Sat 8.30am-6pm and Sun 9.30am-5.30pm. Telephone calls may be recorded for security purposes and monitored under our quality control procedures.


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.

Terms and conditions

^ 6,000 Nectar points
1. This offer is only available to Sainsbury’s, Sainsbury's Bank, Argos, Habitat and Nectar colleagues, and Sainsbury’s Veterans. We may ask for proof of your employment status at any time during the application process.
2. We'll add 6,000 points to your Nectar account within 60 days of receiving your loan.
3. You need to tell us your Nectar card number when you apply and either start your application at or tell us that you’re a colleague if you apply over the phone.
4. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
5. We reserve the right to change or cancel this offer without notice.

For questions

Call 0800 169 8503*

 More phone options

Lines are open: Mon - Fri 8am-10pm, Sat 8.30am-6pm and Sun 9.30am-5.30pm. *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.

Important information

Customer Support