Rating based on 20 reviews

Sainsbury's Bank


  • Vehicle finance up to £30,000
  • Low-interest starting from 2.8%
  • Repayment up to 5 years

In-page navigation

Sainsbury's Bank homepage

Author Sainsbury's Bank. Screenshot of Sainsbury's Bank website. [Accessed September 4, 2019]

About Sainsbury's Bank

As long as high-quality vehicle finance in the UK helps fulfil your financial dreams, we will always strive to improve our craft as financiers.

Do yourself a favour and input in our website's loan calculator to see for yourself a general estimate of the marvellous deals we offer. Also, if you are a Nectar cardmember, you will be presented with our lowest rates.

The wonderful benefits of our personal loans

If you, who qualified for a personal loan but did not sign and return the loan agreement to accept it, find another lender who offers a like for like loan with less APR. You should let us know within 28 days of our approval of your loan so that we will offer you an APR 0.1% lower than a said competitor. This is known as our Price Promise Guarantee. We offer award-winning personal loans from £1,000 to £40,000 so that you will have a wide berth for your decision-making.

Topping up your loan with us

You could top up your loan with us in two different ways in order to meet a new financial challenge. The first option is to pay 58 days’ worth of interest early to settle your current loan and extend your term with extra interest, and the second option is to start a parallel loan with your existing loan and with the same interest.

Sainsbury's Bank Services

Affordability and transparency are the glue that holds our mission to provide the greatest vehicle finance in the UK together.

Explore our Nectar points calculator on our website to see how you can benefit from your Nectar card. We have optional cover and benefits of the Silver, Gold and Platinum credit card levels of your travel insurance.

Why our travel insurance is the best choice

Our travel insurance, which is underwritten by ETI International Travel Protection, has also received a 5-star rating from Defaqto for our Gold and Platinum cover. You also get 20% off with your Nectar card and you can order your insurance over the phone or online. Your children, sometimes excluding expenses for pre-existing medical conditions, are freely covered on your single trip or annual multi-trip cover.

The travel insurance we offer

Sainsbury's Bank's single trip cover does not employ an upper age limit, covers friends and family on the trip for baggage, medical expenses and more, to Europe, the UK, or even worldwide. Annual multi-trip travel insurance with us provides you with cover for unlimited trips for a year and covers your individual trips for up to 92 days if you choose the Platinum cover. The extended stay travel insurance that we offer includes a 24/7 helpline for medical and other emergencies, and the Silver and Gold policies cover up to 365 days while the Platinum policy covers up to 548 days.

Sainsbury's Bank Product Details

  • Loan Type Vehicle finance
  • Interest Rate 2.8 – 24.9% p/a
  • Loan Amount up to £30,000
  • Repayment 2 years to 5 years

Summary of Services

  • Quick access to  cash
  • Simple online application
  • Get affordable loan deals

Vehicle finance that fills the heart with pride and security

When you need vehicle finance in the UK but you have a bad credit score, the Sainsbury's Bank team can be trusted to faithfully and successfully back your corner.

Our car insurance, which is underwritten by a painstakingly selected range of insurers, has also received a 5-star rating in 2019 by Defaqto.

A no claims discount

You and your named driver also get no claims discount, while you are covered to drive anywhere in the EU, Switzerland, Norway and Iceland, for up to 35 days with a third party, fire and theft cover, or up to 90 days with comprehensive cover. Additionally, you will receive a new child car seat after an accident even if it is not visibly damaged, and if your car is written off or stolen, you were the first and only registered owner and your car is less than a year old, we will replace it with a new car of the same make.

Discounts on top of our spectacular car insurance

Car insurance with us will also double the points on your Nectar card when you buy fuel or shop at Sainsbury's, and if you enter your Nectar card number, you will automatically receive a discount on your car insurance. You save even more on your Nectar card if you take out different types of insurance to accumulate more points. Download our app in order to update your policy and to check on your cover details.

Third-party, fire and theft and comprehensive insurance

If you choose our third party, fire and theft insurance, you will be covered from damage to your car by theft and fire, named driver or non-named driver no claims discount, and cover for liability to other people.

Regarding your optional car insurance extras, your comprehensive cover may have added RAC breakdown cover, motor legal protection, an upgrade to your courtesy car in size or make, no claims discount protection, and key cover. You can add all this to your third party, fire and theft cover, as well as windscreen cover. As you can plainly see, vehicle finance in the UK has never been as excellent as with Sainsbury's Bank.

Customer Reviews & Testimonials

April 2019

I went to the branch to apply for the car loans. I wasn’t sure of the service but I was blow away when I left. The employed are professional and have manners

David W
— Liverpool —

May 2019

Perfect customer service

Lucy R
— York —

June 2019

Before I took the loan, the consultant explained everything to me. He was very good in explaining and was able to answer my questions

Max S
— Manchester —

Sainsbury's Bank Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 08:00 – 19:00
  • Saturday 09:00 – 17:00
  • Sunday – Closed