Sainsbury's Bank Deals & Sales for 2016 - HotUKDeals
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Sainsbury's Bank Deals & Discounts

14
-183

5,000 bonus Nectar points for new customers - when you spend £800 @ Sainsbury's instore or at petrol stations

6
The £800 has to be spent in the first 3 months at Sainsbury's store or Petrol stations. 5,000 bonus Nectar points for new customers - worth at least £25... more if you double up or use other specia…
cinimodee Avatar1m, 1w agoFound 1 month, 1 week ago6 Comments
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Agreed, but Amex acceptance is much better than it used to be and you can always stock up on gift cards in store to use another time..

Now that is a great 'hack' - will bear that in mind, once I have done my 3 months on the interest-free card...
cinimodee
hornets
20,000 extra Nectar points on top of the 'standard' 20,000 when applying for the Nectar Amex credit card via the Nectar app. Must spend £2,000 within 3 months to get both sets of points.
40,000 points = at least £200 worth of Nectar points, maybe more...
Now that does sound like a very good offer - only problem is spending on Amex is sometimes quite difficult - though if you find places that you can pay with Paypal, you can link your amex card...
Agreed, but Amex acceptance is much better than it used to be and you can always stock up on gift cards in store to use another time..
dlloyd1980
£3 worth of nectar points per £100 is that good ?
Given that you usually get 1 point per £2 spend at Sainsbury's, so for spending £800 you would get 400 points, yes that is good... the nectar rebate % is not great, but if you are after a LONG interest-free period with some kick back - it is a pretty good card.
hornets
20,000 extra Nectar points on top of the 'standard' 20,000 when applying for the Nectar Amex credit card via the Nectar app. Must spend £2,000 within 3 months to get both sets of points.
40,000 points = at least £200 worth of Nectar points, maybe more...
Now that does sound like a very good offer - only problem is spending on Amex is sometimes quite difficult - though if you find places that you can pay with Paypal, you can link your amex card...
20,000 extra Nectar points on top of the 'standard' 20,000 when applying for the Nectar Amex credit card via the Nectar app. Must spend £2,000 within 3 months to get both sets of points.

40,000 points = at least £200 worth of Nectar points, maybe more...
259Expired

42 months interest free balance tranfers on a CC @ sainsburys bank (Nectar card bonus)

16
Want a credit card with interest free transfer for a long period of time?.... look no further! Only a 4% fee for transfer then a long 3 and a half years interest free! Also 3 months interest
Danjw91 Avatar1m, 2w agoFound 1 month, 2 weeks ago16 Comments
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What kind of card are you more likely to be accepted for? A balance transfer one or a 12/24 month interest free one?
great!! cheers!!
MrGamer123
Thanks guys, ill take a look at interest free credit cards. As you can tell I have never got a credit card in my life :D so this will be my first and last hopefully.

The ironic thing is you may struggle to get a card like this if you have never had a credit card before. Credit card companies like to see a history of you being in debt and paying what is due on time each month.
MrGamer123
Thanks guys, ill take a look at interest free credit cards. As you can tell I have never got a credit card in my life :D so this will be my first and last hopefully.


You'll probably struggle to get an interest free card if you've never had one before. By all means give it a go though.
Thanks guys, ill take a look at interest free credit cards. As you can tell I have never got a credit card in my life :D so this will be my first and last hopefully.
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-181

iPhone 7 from £22.19pm , S7 Edge £22.19pm or any other phone on 27month Interest-Free Credit plus up to 5000 Nectar points @ Sainsburys £599.00

13
iPhone deals all get voted COLD so I expect a backlash and minus-hundreds, but here is the best deal I could find for any sim-free top-end smartphone (Apple, Android, Windows etc). To obtain 27mont…
Orville Avatar1m, 4w agoFound 1 month, 4 weeks ago13 Comments
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Spasho
You seem to know a lot about it and if I knew someone who'd want an iPhone 7 I would redirect them to this post. However, for myself I'd never spend more than £150+ on a smartphone.
I cannot argue with this. £600+ buys a very nice TV, cooker or washing machine. Spending so much on a phone which will outdate itself within one year can seem crazy in comparison.
Orville
snoopy18
Yes, but your link requires an upfront deposit, has a shorter payement term, requires additional Apple Care purchase (if made online) and does not provide free points. It is also Store specific (not all provide 0%) and requires a credit agreement / credit check via Barclays Finance.
This appears the cheapest way to buy a new iPhone 7 without any additional fees or upfront deposit. Can anyone else locate one for less than £22.19pm?
I assume people are voting cold mostly becuase "Apple" is witin the title, rather than because there is a cheaper or better option available. Perhaps people do not want to apply for another credit card, but it is essentially the same as entering a monthly phone contract or purchase plan via Apple or similar stores. 80% of new phone purchases are paid via monthly contract anyway.
*So far 38 hot voters and considerably more cold voters. I am happy some are finding it helpful.
You seem to know a lot about it and if I knew someone who'd want an iPhone 7 I would redirect them to this post. However, for myself I'd never spend more than £150+ on a smartphone.
Has anyone spotted a cheaper iPhone 7 purchase plan than this, or is it merely predudice / hatred of Apple causing the cold votes? Please feel free to post better offers.
snoopy18
Yes, but your link requires an upfront deposit, has a shorter payement term, requires additional Apple Care purchase (if made online) and does not provide free points. It is also Store specific (not all provide 0%) and requires a credit agreement / credit check via Barclays Finance.

This appears the cheapest way to buy a new iPhone 7 without any additional fees or upfront deposit. Can anyone else locate one for less than £22.19pm?

I assume people are voting cold mostly becuase "Apple" is witin the title, rather than because there is a cheaper or better option available. Perhaps people do not want to apply for another credit card, but it is essentially the same as entering a monthly phone contract or purchase plan via Apple or similar stores. 80% of new phone purchases are paid via monthly contract anyway.


*So far 38 hot voters and considerably more cold voters. I am happy some are finding it helpful.



Edited By: Orville on Oct 05, 2016 11:38: add info
There are free payment plans already with apple http://www.moneysavingexpert.com/news/phones/2016/09/iphone-7-interest-free-loan


Edited By: snoopy18 on Oct 05, 2016 08:25: Spelling
-44

£25 of Nectar vouchers with Sainsburys Credit card - spend £800 in first 3 months (new sign-ups only)

3
Anyone new signing up to Sainsburys Credit Card before 27th sept and spending £800 in the first three months will get 5k of Nectar points worth £25. Seems a good deal if you use if for big purchase…
CharlesHorse Avatar3m, 1w agoFound 3 months, 1 week ago3 Comments
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For those who collect nectar points - you get them on all spends - not sure on how many tho.
Heat... may look into this, hardly get anything on my Tesco credit card now, and with the Boost ending I may find more use from Nectar anyway. Thanks for the heads up :)

EDIT:
If you apply by 27th September 2016, as a new customer, you'll qualify for an 5,000 extra Nectar points when you use our credit card to spend £800 on Sainsbury's shopping or fuel in the first 3 months

Edited By: m.ad on Aug 25, 2016 22:51: Small print
looks like this on
es been a bit too complex judging by the neg votes, but I hope it has helped a few who know how to 'play the cards right'. As for the negative voters....stick to your video games and I'm sorry its not a PS4 deal
90

Sainsburys purchase credit card 0% on purchases for 27 months

1
As it says on the tin. 0% on purchases for 27 months plus nectar points
jaques_kalis Avatar5m, 2d agoFound 5 months, 2 days ago1 Comment
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hi. can someone pls say how good a deal this is. thanks.
75

Long Balance Transfer Credit Card 40 Months 0% transfer @ Sainburys

0
Benefits Pay 0% interest on balance transfers for your first 40 months. Apply by 27th July 2016 If you don't have a Nectar card a reduced balance transfer fee of 2.89% applies on transfers…
busfan001 Avatar5m, 1w agoFound 5 months, 1 week agoAdd Comment
-57

Sainsbury's Nectar Purchase Credit Card

1
Pay 0% interest on purchases for your first 25 months Pay 0% interest on balance transfers for your first 18 months (3% balance transfer fee applies. Minimum £3) No annual fee 18.9% APR Rewards
Diamond_Studd Avatar1y, 1w agoFound 1 year, 1 week ago1 Comment
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Sainsburys bank are complete and total muppets. my experience I know, but would never ever use them again!
68

Sainsburys loans Price Promise.. for Nationwide Customers apr 2.8% loan

4
This is a bit long winded but if you are a Nectar card holder and apply for a loan between £7500 & £15000 over a maximum of 3 years you will/may get the special rate of 3.4%. brilliant rate. (3.5% if
polg Avatar1y, 4w agoFound 1 year, 4 weeks ago4 Comments
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Being honest I've got accepted for the loan from Sainsburys, when the forms come out to be signed you go see Nationwide after a bit of Googling its best to go in shop rather than over the phone as the decision is quicker..
I know Sainsburys won't have the money in the bank till 4/5 days after I return the form..
From memory the last loan i got with Nationwide was in the bank the next day..
so although it's possible to achieve 2.8% - paying for parts for my builder may have a huge influence on whether I go back to Sainsburys or just accept Nationwide.. and phone Sainsburys and cancel..
as there's not a huge saving over 2.9 and 2.8 %....
Also there's something in my mind that is saying Nationwide perform a soft search so not the same impact on credit report..

Edited By: polg on Nov 04, 2015 23:18
Am a Nationwide customer and think this is great.Looking to turn garage into bedroom £140 will pay towards flooring.:)
I have nectar card and I am a nationwide customer but it is too much hasstle to save just £142 over 3 years
I am a Nationwide customer. Is the discount automatic or would I have to ring them / fill out a physical form? Amazing offer - heat added.
298

Sainsbury's loan 3.6% APR representative on loans between £7,500.00 - £15000

55
Just looking round at loans and the best deal out there ATM on loans from what I can find :) Online Rate Sale - Offer ends 10am Friday 26th June 2015. 3.6% APR representative* - £7,500 to £15,0…
pennyfarthing88 Avatar1y, 5m agoFound 1 year, 5 months ago55 Comments
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I have excellent credit rating, living for 4 years at the same place, I haven't been in a late for any repayment... And they offered to me around 8%, instead if 3.5%. So I didn't accept
SalfordCityRed
gazter
SalfordCityRed
gazter
SalfordCityRed
gazter
SalfordCityRed
Tommy_K
SalfordCityRed
Tommy_K
SalfordCityRed
Buy a cheaper car! £32,295? How utterly ridiculous, no wonder the World is drowning in debt!
I believe it's up to the individual on what they wish to spend their loan on. Plus if people didn't take out loans to buy such expensive treats, then the manufacture couldn't employee people to make them and businesses wouldn't invest money for banks to then lend out and given the investor a return on their money.
it's just one big cycle of moving money about to make the people with money richer, and those without the ability to spend like they do!!!
Tommy K, you my friend, are a complete and utter tool! Your logic is totally warped... Let's all stay in debt to keep the rich, rich...
I do take offense in being called a tool thank you..
Ok, sod it, lets never buy anything ever again on credit. No Mortgage, No loans, No credit cards, No HP, No Finance. We work until we have saved up enough to buy everything outright.
I'm sure your parents love you staying at home because you wont get a mortgage ;-)
You can't rent either, because that's like a car lease, paying for something you will never own. :-)
I own my own house bought from savings,, however my parents would never have kicked me out to become a debt ridden buffoon like yourself! Again, you've read into the propaganda that you must flee the nest and rent as soon as possible, you really are brainwashed!
You're saying that the UK being the most debt ridden country in the World per population is a good thing? Why, as it keeps foreign companies, bankers and Jews rich? Really, that's good to you, being a slave to debt's a good thing?
What planet are you on?
Did you really just go there??
Did I really go where??
You said:
"Why, as it keeps foreign companies, bankers and Jews rich? "
Sorry, is that not allowed, what do you mean?
Its not whether it is allowed or disallowed (though I would suggest if the site moderators spotted it they would remove it), it's just not really a part of polite civil discussion.
You realise that much of the Anti Semitism in communist and fascist thought comes from the argument that Jews are seen as international financiers who get rich from usury, and keep this wealth within their rich international friends? Marx believed that Jews had no God except money, and worshipped it, and the Nazis believed that the Jews acted in a parasitic way using finance to suck wealth out of a nation state, a society which they held no allegiance to, and spend that wealth elsewhere.
Gazter, I'm baffled by your conflicting sentiments... What's the point you're trying to make?

A lot of evil in the 20th century has come about by apportioning blame to rich international Jews sucking up your resources by money lending.
gazter
SalfordCityRed
gazter
SalfordCityRed
gazter
SalfordCityRed
Tommy_K
SalfordCityRed
Tommy_K
SalfordCityRed
Buy a cheaper car! £32,295? How utterly ridiculous, no wonder the World is drowning in debt!
I believe it's up to the individual on what they wish to spend their loan on. Plus if people didn't take out loans to buy such expensive treats, then the manufacture couldn't employee people to make them and businesses wouldn't invest money for banks to then lend out and given the investor a return on their money.
it's just one big cycle of moving money about to make the people with money richer, and those without the ability to spend like they do!!!
Tommy K, you my friend, are a complete and utter tool! Your logic is totally warped... Let's all stay in debt to keep the rich, rich...
I do take offense in being called a tool thank you..
Ok, sod it, lets never buy anything ever again on credit. No Mortgage, No loans, No credit cards, No HP, No Finance. We work until we have saved up enough to buy everything outright.
I'm sure your parents love you staying at home because you wont get a mortgage ;-)
You can't rent either, because that's like a car lease, paying for something you will never own. :-)
I own my own house bought from savings,, however my parents would never have kicked me out to become a debt ridden buffoon like yourself! Again, you've read into the propaganda that you must flee the nest and rent as soon as possible, you really are brainwashed!
You're saying that the UK being the most debt ridden country in the World per population is a good thing? Why, as it keeps foreign companies, bankers and Jews rich? Really, that's good to you, being a slave to debt's a good thing?
What planet are you on?
Did you really just go there??
Did I really go where??
You said:
"Why, as it keeps foreign companies, bankers and Jews rich? "
Sorry, is that not allowed, what do you mean?
Its not whether it is allowed or disallowed (though I would suggest if the site moderators spotted it they would remove it), it's just not really a part of polite civil discussion.
You realise that much of the Anti Semitism in communist and fascist thought comes from the argument that Jews are seen as international financiers who get rich from usury, and keep this wealth within their rich international friends? Marx believed that Jews had no God except money, and worshipped it, and the Nazis believed that the Jews acted in a parasitic way using finance to suck wealth out of a nation state, a society which they held no allegiance to, and spend that wealth elsewhere.
Gazter, I'm baffled by your conflicting sentiments... What's the point you're trying to make?
SalfordCityRed
gazter
SalfordCityRed
gazter
SalfordCityRed
Tommy_K
SalfordCityRed
Tommy_K
SalfordCityRed
Buy a cheaper car! £32,295? How utterly ridiculous, no wonder the World is drowning in debt!
I believe it's up to the individual on what they wish to spend their loan on. Plus if people didn't take out loans to buy such expensive treats, then the manufacture couldn't employee people to make them and businesses wouldn't invest money for banks to then lend out and given the investor a return on their money.
it's just one big cycle of moving money about to make the people with money richer, and those without the ability to spend like they do!!!
Tommy K, you my friend, are a complete and utter tool! Your logic is totally warped... Let's all stay in debt to keep the rich, rich...
I do take offense in being called a tool thank you..
Ok, sod it, lets never buy anything ever again on credit. No Mortgage, No loans, No credit cards, No HP, No Finance. We work until we have saved up enough to buy everything outright.
I'm sure your parents love you staying at home because you wont get a mortgage ;-)
You can't rent either, because that's like a car lease, paying for something you will never own. :-)
I own my own house bought from savings,, however my parents would never have kicked me out to become a debt ridden buffoon like yourself! Again, you've read into the propaganda that you must flee the nest and rent as soon as possible, you really are brainwashed!
You're saying that the UK being the most debt ridden country in the World per population is a good thing? Why, as it keeps foreign companies, bankers and Jews rich? Really, that's good to you, being a slave to debt's a good thing?
What planet are you on?
Did you really just go there??
Did I really go where??
You said:
"Why, as it keeps foreign companies, bankers and Jews rich? "
Sorry, is that not allowed, what do you mean?

Its not whether it is allowed or disallowed (though I would suggest if the site moderators spotted it they would remove it), it's just not really a part of polite civil discussion.

You realise that much of the Anti Semitism in communist and fascist thought comes from the argument that Jews are seen as international financiers who get rich from usury, and keep this wealth within their rich international friends? Marx believed that Jews had no God except money, and worshipped it, and the Nazis believed that the Jews acted in a parasitic way using finance to suck wealth out of a nation state, a society which they held no allegiance to, and spend that wealth elsewhere.
gazter
oddballjamie
gazter
SalfordCityRed
Tommy_K
SalfordCityRed
Tommy_K
SalfordCityRed
Buy a cheaper car! £32,295? How utterly ridiculous, no wonder the World is drowning in debt!
I believe it's up to the individual on what they wish to spend their loan on. Plus if people didn't take out loans to buy such expensive treats, then the manufacture couldn't employee people to make them and businesses wouldn't invest money for banks to then lend out and given the investor a return on their money.
it's just one big cycle of moving money about to make the people with money richer, and those without the ability to spend like they do!!!
Tommy K, you my friend, are a complete and utter tool! Your logic is totally warped... Let's all stay in debt to keep the rich, rich...
I do take offense in being called a tool thank you..
Ok, sod it, lets never buy anything ever again on credit. No Mortgage, No loans, No credit cards, No HP, No Finance. We work until we have saved up enough to buy everything outright.
I'm sure your parents love you staying at home because you wont get a mortgage ;-)
You can't rent either, because that's like a car lease, paying for something you will never own. :-)
I own my own house bought from savings,, however my parents would never have kicked me out to become a debt ridden buffoon like yourself! Again, you've read into the propaganda that you must flee the nest and rent as soon as possible, you really are brainwashed!
You're saying that the UK being the most debt ridden country in the World per population is a good thing? Why, as it keeps foreign companies, bankers and Jews rich? Really, that's good to you, being a slave to debt's a good thing?
What planet are you on?
Did you really just go there??
Reminds me of a certain mustached man.
Burt Reynolds?
http://memecrunch.com/meme/15ZD2/borat-1/image.png
43Expired

Sainsbury’s Travel Insurance announces Half Price Sale

7
23 March 2015 Sainsbury’s Travel Insurance announces Half Price Sale Sainsbury’s Travel Insurance announces a half price sale on single trip travel insurance policies purchased online between 23rd M…
jodie1234 Avatar1y, 8m agoFound 1 year, 8 months ago7 Comments
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I've got a policy cover confirmation - but don't see the names of my family in the email. How can I get a confirmation of the names (which I might need for the visa)? Help!
£6.10 for 2 x adults and infant to travel to Europe! Wow!
Got one for family, thanks for making us aware about this policy in the market...
got covered for a week in june in spain £16.00 total for me and wife. thank you
Comment
shirley999
Sounds misleading to me. If 45% off is 'standard' then to me that is the normal price and they are offering less than 10% discount with this code.
note also "Discount does not apply to the part of the premium you pay to cover any pre-existing medical conditions."
35Expired

Sainsbury's Nectar Bonus Credit Card 8 Nectar Points per £1 for the first 3 Months

1
Collect 8 Nectar points per £1 spent on Sainsbury's shopping & fuel for your first 3 months Offer Finishes 29th December 2014 Our Sainsbury's Nectar Bonus Credit Card lets you collect more Necta…
Diamond_Studd Avatar1y, 11m agoFound 1 year, 11 months ago1 Comment
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By the time I get the card, all the spending craze will be over!
401Expired

Sainsbury's Nectar 0% Balance Transfer Credit Card 33 Months + Nectar ponts @ Sainsburys

24
Just saw this while shopping in Sainsburys and saw its longest 0% balance transfer ive seen it just shy of 3 years there is a 2.89% fee for first 3 months for transfers then 3% after Our Sainsbury'…
rocko5000 Avatar2y, 2m agoFound 2 years, 2 months ago24 Comments
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Bear this in mind if you are applying just to use this in Sainsbury's in the long term. From 11 April 2015, Sainsbury's are changing the way you earn Nectar points, so you'll earn 1 point for every £1* you spend in store and online at Sainsbury's. You'll also no longer receive 1 Nectar point for every bag you reuse in store.
BenderRodriguez

Years of hassle for a bit of interest below inflation level.. Complete waste of time and potential of that money.

I agree.
About 10 yrs ago, we had interest on savings of over 4% (for ISAs).
We could then pocket the diffference using the credit card balance transfer.

These days however, if savings accounts rates so low, it's a lot of work for little gain.
****$ have declined me what do you need a £50,000 income or something
jezzery
BenderRodriguez
vns146
Heat, but it depends on the maximum balance you get and the minimum fee you pay for successful stoozing

Years of hassle for a bit of interest below inflation level.. Complete waste of time and potential of that money.

Yes not worth it for a savings account but worth it if you are paying 6% on a mortgage like the one account where you can reduce your mortgage amount. Minimum payment is £5 so even better.

Didn't think of that, but probably won't work for 1st time buyers, most banks won't be happy with using CC for deposit? Unless I'm wrong on that, pls correct me if so.
Heat added! :D
563Expired

Lowest rate ever for a loan Sainsbury loan at only 3.9 % for between £7500 and £15000

119
Lowest rate for a loan. This is for 3 years or less or 4.0 % for above this. Great if you need money for new car or home improvements. If your rate does change. They will also price promise and beat a…
iamgds Avatar2y, 4m agoFound 2 years, 4 months ago119 Comments
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well said. there is good and bad debt.
valerydarcy
@splender Plenty of people and vast majority of institutions who borrow money dont do so because they have no choice- most have the money/means already but understand the value of cheap credit. Debt forms a part of most peoples/companies portfolios for a good reason. Youre referring to the type of people that take out a wonga loan to pay for their sky sports subscription. Suggest you take a basic finance and economics course before spouting your load on a subject you clearly know very little about.
HarpoonJoe
Vatman95
There are two types of people in this world i.e. borrowers (punters) and savers (bookies).
Exactly, and for the former this is a good deal, and for the latter this product is irrelevent so doesn't really warrant any negative comments from "savers". It's like casual cyclist arguing the need for carbon fibre road bikes, or complainging about wasting money on lease deals on a new Mercedes. After all nobody needs The Last of Us or Bioshock, and how many need a cheap flight to Amsterdam or a Chromecast? but you don't get savers sticking their noses in there saying how much cheaper it is to go without but that's exactly what the've been evangelising here.

If a product is designed for a different type of customer then why comment, surely those views are redundant? It would be like complaining that Apple Care is a rip off despite not having a mac! People could do well to remember that this site is not about finding the optimum way of leading their life according to someone else's moral code, it's about getting the things you want and/or need for less. It's a deals site not a money saving's one.


Well said
Vatman95
There are two types of people in this world i.e. borrowers (punters) and savers (bookies).
Exactly, and for the former this is a good deal, and for the latter this product is irrelevent so doesn't really warrant any negative comments from "savers". It's like casual cyclist arguing the need for carbon fibre road bikes, or complainging about wasting money on lease deals on a new Mercedes. After all nobody needs The Last of Us or Bioshock, and how many need a cheap flight to Amsterdam or a Chromecast? but you don't get savers sticking their noses in there saying how much cheaper it is to go without but that's exactly what the've been evangelising here.

If a product is designed for a different type of customer then why comment, surely those views are redundant? It would be like complaining that Apple Care is a rip off despite not having a mac! People could do well to remember that this site is not about finding the optimum way of leading their life according to someone else's moral code, it's about getting the things you want and/or need for less. It's a deals site not a money saving's one.

Edited By: HarpoonJoe on Jul 14, 2014 09:33: typo
DAZZ2000
joewall33
DAZZ2000
joewall33
DAZZ2000
joewall33
splender
Kingsworth
splender
OP, extremely bad examples: one does not need money for new car or home improvements. If one cannot afford with cash then one cannot afford it.

Oh it's this comment again...

You really need to get with the times. Loan deals like this are fantastic and good for both parties involved (The borrow & lender). As long as it's done responsibly and at an affordable, fair rate than there's absolutely no problem with borrowing money. Hardly anyone would own a house if they had the same nonsensical opinion as you.
Read my comment #1 again, my comment was against OP's comment on examples of spend on a new car and home improvements as bad examples to use a loan for. The OP's examples did not state a house. A house is a worthy cause for a mortgage. I was in topic about OP's deal. The OP's deal product was for an unsecured loan of 3 years. Good luck if you can get a house for unsecured loan of £15,000 repaid in 3 years.

To be fair mate I think everyone Mis-read your comment.

Too many people think a forum comments section HAS to mean war of words.

If you share an opinion that someone doesn't agree with get ready for unnecessary backlash, oh and always remember the comment that gets the most likes has the most soilders added to his war of words.



There wasn't anything to misread. Splender was most certainly telling everyone what they should and shouldn't do when it comes to loans. Do you really think the rest of us on a deals site need advice on when they should or shouldn't take out a loan?

Perhaps it might have been better received on the money saving expert forum, if at all. I certainly haven't learnt anything new from Splender. If you have Joe then fair play, he reached the intended audience I guess.

Slight irony in your post, are you not a soldier in disguise ? :p

No you're prime example of what my post mentioned.

A guy shares his thoughts (to help people not get into debt for no good reason) and your reply attempts to insult me.

Way to go bro!

(Not getting into a keyboard fight so it's pointless to reply)

If you're insulted by my last post I can only assume you either read too much into my response or are a little sensitive. The last comment I ended with was in jest, hence the " :p ". Either way I apologise if I offended.

I still stand though that what Splender said (not what you said) was a little condescending towards others who can, I'm sure, ask for advice if they want it.
"I certainly haven't learnt anything new from Splender. If you have Joe then fair play, he reached the intended audience I guess"

Its cool mate, no worries. :)

Ah ok, yes okay that was in fairness an unnecessary comment mate, sorry.

Cool man, No worries. :D
424Expired

Lowest rate ever for a loan Sainsbury loan at only 3.9 % for between £7500 and £15000

41
Lowest rate for a loan. This is for 3 years or less or 4.0 % for above this. Great if you need money for new car or home improvements. If your rate does change. They will also price promise and beat a…
iamgds Avatar2y, 6m agoFound 2 years, 6 months ago41 Comments
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callum9999
spurious
How can getting into debt be considered a 'deal'?

Because you're getting into less debt than you would elsewhere...

A less worse non-deal than other non-deals does not a deal make.
Blueandy99
xp3200
Only a very small amount of people will get this rate you have to have a fantastic history, They advertise one thing you get the paper work and its another :(

51% get the rate, it's the law Guv

lol yeah im going to win the lottery tonight, There are plenty of other laws that are not upheld what makes you think this is any different.
xbecky07x
When u apply for it do u need to provide proof in to what u are using it for eg recipiet for car ect x
no
When u apply for it do u need to provide proof in to what u are using it for eg recipiet for car ect x
upset brown pant
amsieg
Get partner to take out loan..

Then put down as a deposit on a io mortgage for a 100k house.

Then rent out house for 600 a month. Earn 200 at no cost to self..

err, loan repayment on 10k over 5 years would be about 200 and the 90k mortgage about 500, so unless you are planning on ripping your partner off you you'll be putting money in until the rent you can command rises.

plus for 100k it will be in some grim northern hole. I doubt you'd get a 7% yield tbh.

Poor kids upset and browned his pants.
32Expired

Lowest balance transfer fee in the market: 0% for 12 months - 0.5% fee @ Sainsbury's Finance

5
0% on balance transfers for the first 12 months from account opening (0.5% (minimum £3) balance transfer fee during the first 3 months from account opening, then 3% onwards) * 0% on purchases for…
kneale81 Avatar2y, 6m agoFound 2 years, 6 months ago5 Comments
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kneale81
Chanchi32
kneale81
Chanchi32
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

It's a HUKD mystery :{

Yep it's a mystery

People liking the Tesco deals today kneale, currently occupying the top 4 hottest deals of the day :)

Ugh, I haven't even had a change to go on Tesco's site today.

All four deals are yours, too! That must be a HUKD first, congrats ;)

thanks, it may well be :)
Chanchi32
kneale81
Chanchi32
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

It's a HUKD mystery :{

Yep it's a mystery

People liking the Tesco deals today kneale, currently occupying the top 4 hottest deals of the day :)

Ugh, I haven't even had a change to go on Tesco's site today.

All four deals are yours, too! That must be a HUKD first, congrats ;)
kneale81
Chanchi32
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

It's a HUKD mystery :{

Yep it's a mystery

People liking the Tesco deals today kneale, currently occupying the top 4 hottest deals of the day :)
Chanchi32
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

It's a HUKD mystery :{
Hot - free meerkat if you go via comaprethemarket

£10 fee for borrowing £2k at 0% for 1 year - why is this not hotter!

Edited By: Chanchi32 on May 22, 2014 21:20
65Expired

Sainsburys personal loans 4.5% representative on £7500-15000 plus double nectar points

9
I spotted this deal on a poster outside my local store the other day. They're also offering 5000 nectar points and double points for 2 years. Not sure if this is only available after the loan is re p…
almo Avatar2y, 6m agoFound 2 years, 6 months ago9 Comments
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Shopper
Reward Loan
Monthly repayment
£187.33
Total repayable
£11,239.80
Representative APR
4.8%

Standard
Loan
Monthly repayment
£186.02
Total repayable
£11,161.20
Representative APR
4.5%

So if u do shop at sainsburys worth to have the shopper reward is only more £78 expensive (but then u get 5k nectar and double points over 2y)

kapzar
The 4.5% is only if you don't use a nectar card. As soon as you enter a nectar card number it assumes you want a Shopper Loan, which has a higher interest rate to compensate for the nectar points.

I've just taken a loan out and had this issue. I took the lower interest rate and forfeited the nectar.
only for HSBC customers..
toonarmani
Lower APR elsewhere so looks a poor deal?

Checked HSBC and they are only 4.3% so suspect there are others even lower.
toonarmani
Lower APR elsewhere so looks a poor deal?

Checked HSBC and they are only 4.3% so suspect there are others even lower.
I did see HSBC but the figures are based on taking out a higher loan
The 4.5% is only if you don't use a nectar card. As soon as you enter a nectar card number it assumes you want a Shopper Loan, which has a higher interest rate to compensate for the nectar points.

I've just taken a loan out and had this issue. I took the lower interest rate and forfeited the nectar.
Lower APR elsewhere so looks a poor deal?

Checked HSBC and they are only 4.3% so suspect there are others even lower.

Edited By: toonarmani on May 20, 2014 07:59
435Expired

Sainsbury's 12 months 0% credit card with 3% balance transfer fee refunded in nectar points

18
Found on Stoozing.com Title says it all - 12 months 0%, 3% fee refunded in full as nectar points - also 12 months on purchases. Worth considering if you have a balance to transfer or want some low int…
Mickyfinn Avatar2y, 8m agoFound 2 years, 8 months ago18 Comments
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somewhere to spend these hard earned points for those that still don't know. ..
http://m.hotukdeals.com/deals/spend-nectar-points-ebay-500pts-2-50-spend-1715292?mforwarded=true
Thank you, my barclaycard 9% runs out in 3 months. Voted hot from me.
I'm so happy as my 10 year Sainsburys loan that I cleverly consolidated some years back actually finishes tomorrow 1st April 2014. :D
Could think of another shorter name for Richard more appropriate for you mate!

Rich-G
You'd get into debt to get necter points. Do you charge for this advice?
Thanks for the post. As others have pointed out, money savvy people who CAN manage their finances will appreciate this :)
834Expired

Sainsburys life insurance from £5 p/m and get a free £75 gift card

157
Just found this deal for life insurance from sainsburys for nectar card holders. .......Take out life insurance from £5p/m and after four months you get a £75 gift card to spend at sainsburys......…
robb5810 Avatar2y, 10m agoFound 2 years, 10 months ago157 Comments
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Finally got mine today after 6 complaints. Only 6 months late. Got a whole extra £5, aren't they generous!
I complained 3 times and finally received it.
Got mine yesterday (30th) :)
dona3853
Complained. Got an email saying they were being dispatched 8th Aug and to let them know if I had not recieved by 29th Aug. As expected nothing yet arrived so they clearly haven't been sent. Even if you wanted to carry on with the policy, if they can't sort this out I would be concerned with relying on L&G in the event of needing to call on the policy should the worst happen!!!

I complained and was told the same..... BUT 2 turned up today!!!!!!! (Only 1 policy, so maybe I have yours!)
Complained. Got an email saying they were being dispatched 8th Aug and to let them know if I had not recieved by 29th Aug. As expected nothing yet arrived so they clearly haven't been sent. Even if you wanted to carry on with the policy, if they can't sort this out I would be concerned with relying on L&G in the event of needing to call on the policy should the worst happen!!!
1130Expired

Sainsbury's 0% for 12 months balance transfer & purchases + fee refund in Nectar points e.g. £5k balance transfer = £150 Nectar points to redeem @ Argos/ebay...

82
When you take out the Sainsbury's Nectar Credit Card through MoneySupermarket, if you transfer a balance from another card, Sainsbury's will refund your 3% balance transfer fee to the equivalent value…
Chanchi32 Avatar2y, 10m agoFound 2 years, 10 months ago82 Comments
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mspychala
mspychala
So I can effectively transfer £2500 from my two amex cards to this card. Pay off the card in 6 months(paying the minimum each month) and pay no fees?
Anyone? Are there any catches?(_;)

Only catch might be whether you're actually able to transfer the balance. I couldn't do a balance transfer from my Amex Gold Card (I'm not sure whether that's because it's a charge card though - it could well be!).
has anyone got their nectar vouchers through yet?
Don't forget to double up your points from 23rd April to 13th May.

http://www.sainsburys-live-well-for-less.co.uk/products-values/nectar/the-nectar-rewards-double-up/
dsided
our application decision [blank]

Seem to be having problems with the site. calling customer services they say I'll need to call back in 48 hours (ie Tuesday) for this to show up on their system Grr.

What was the outcome of this? I just applied had the same thing. I have emailed them, but wondered whether your application went through or not?

Cheers.
You can make a profit on the BT refund by using them in the Sainsburys double promotion at the end of this month, or the 1.x value Pizza Express redemption.
268Expired

100 Nectar Points for providing insurance renewal details

12
Nectar Points terms & conditions 1.100 Nectar bonus points will only be awarded when a valid full name, address, email address, Nectar card number and at least 1 insurance renewal month are submitte…
jonathoncreek Avatar3y, 2m agoFound 3 years, 2 months ago12 Comments
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Anyone receive points for this yet?
horizon-in
To give all yr details and than receiving all those rubbish calls for 50 pence??
Use your imagination when putting your phone number in then.
To give all yr details and than receiving all those rubbish calls for 50 pence??
Lovely
excellent deal, took seconds to complete