Rating based on 17 reviews

Sainsbury's Bank


  • Unsecured loans up to £15,000
  • Low-interest starting from 4.9%
  • Repayment up to 5 years

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Sainsbury's Bank homepage

Author Sainsbury's Bank. Screenshot of Sainsbury's Bank website. [Accessed April 2, 2020]

About Sainsbury's Bank

We first arrived on the financial forefront in 1997, and Sainsbury’s has since gained 100% ownership of Sainsbury bank as of January 2014.

We constantly strive to provide easy and helpful financial services to everyone that needs them. Our wide variety of financial services ranges from home and travel, credit cards, savings and loans, home, pet and life insurance.

What we aim to offer at Sainsbury

We aim to offer all Sainsbury’s shoppers the chance to have access to any and all of these services, regardless of who they are or what they need. Sainsbury is a national supermarket in the UK which has a truly tremendous amount of branches across our nation, all offering the same diligent, helpful services that the very first Sainsbury’s did back in 1869 – and we will always continue to offer that great service.

Short on cash? Unforeseen costs? We’ve got your back!

When difficult times arise, you need access to the best rates and terms you can get, and we here at Sainsbury’s have put together fair and helpful terms, small and easy to pay rates and the best service you could ask for – right at your fingertips!

Sainsbury's Bank Services

At Sainsbury’s Bank, we offer timeless, easy service, built to bring you all the convenience you could desire at your fingertips.

With literal decades of experience, we know what the customer needs to get by. Our services are located by teller in any local Sainsbury’s market in your area and offer the same speedy service at every single outlet.

We’ve got the gold to back it up

We have won a variety of awards from companies such as yourmoney.com, MoneyNet and Moneyfacts, and we are incredibly proud of all eleven awards we have acquired over the years. We firmly believe we deserved these after years of fair practice, dedication to our customers, and striving to constantly do better at what we could improve upon, to bring a better, more wholesome service to every person that gave us a chance to be their financial services provider.

We offer other things too, you know

We offer credit and short-term personal loans, as well as long-standing loans like mortgages and vehicle finance. We believe in filling every gap in our consumers pocket so that they can really live and enjoy their lives to the fullest of their abilities and means.

Sainsbury's Bank – Unsecured loans

  • Loan Type Unsecured loans
  • Interest Rate from 4.9%
  • Loan Amount up to £15,000
  • Repayment 1 year to 5 years

Benefits of Sainsbury's Bank

  • Competitive interest rates
  • Quick online loan application
  • Affordable loan deals



The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Sainsbury Bank – The UK’s first supermarket bank

Sainsbury’s Bank cares about you and cares about doing all we can to help you improve your own life.

With easy to use services like loan calculators and debt assistance tools, Sainsbury’s is equipped to help you through any financially straining crisis that may arise in the future, or even one that may have come already and is holding you back from living your life.

Bad credit at a Sainsbury’s Bank

 We offer loans to clients with bad credit ratings and debt consolidation to those who have already made the mistake of getting themselves into choking debt. But fear not! We are here to help you take the next step towards a brighter, more fulfilling tomorrow.

Our blog and how it can help

We have a blog available on our website called Money Matters, where we discuss how we can help you be smarter with your finance. We offer Nectar rewards for any UK citizens that use the Nectar rewards program. But most importantly, we offer bad credit loans, because we believe that everyone deserves a chance at redemption and a second chance to make things work. Come own to your nearest Sainsbury’s and see what we can offer you, or go to our website and see if we have what you need.

man holding thumbs up

Sainsbury's Bank is a trusted & reliable provider of unsecured loans

In our review, Sainsbury's Bank adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Sainsbury's Bank is a registered credit provider in the UK; FCA number 303190

Customer Reviews & Testimonials

May 2019

I applied for a Sainsbury’s Bank and was impressed to experience a fast turnaround on my loan application.

Emily A
— Glasgow —

September 2019

The agents at Sainsbury’s Bank are so helpful! Thank you and keep up the good work guys.

Simon S
— Edinburgh —

Sainsbury's Bank Contact

Physical Address

  • 3 Lochside Avenue South Gyle Edinburgh EH12 9DJ United Kingdom
  • Get Directions

Postal Address

  • PO Box 29191, Dunfermline, KY12 2AU, United Kingdom

Opening Hours

  • Monday 08:00 – 22:00
  • Tuesday 08:00 – 22:00
  • Wednesday 08:00 – 22:00
  • Thursday 08:00 – 22:00
  • Friday 08:00 – 22:00
  • Saturday 08:00 – 19:00
  • Sunday 08:00 – 19:00