Dont fall for this scam, whatever your circumstances are you will never get a loan at 2.8% APR, even if you apply for only £7,500! I dont pay a mortgage, have no debts, keep a credit card (fairly low credit limit, which I barely use and never been late with my monthly payments), only for the sake of having good credit score, according to Experian -978, (the one Sainsburys Bank use), and yet the APR increased from 2.8 to 10.1% at the end of the application, after all personal details, including bank details, have been filled. I didnt actually need this loan, applied only because the APR was advertised at such amazing % and as I expect in couple of years my son to get married, it wold be nice to have some extra cash. I did not agree with the 10.1% APR, clicked the button No, thank you and called for some explanations. Believe or not, the answer was: Having a credit card can be one of the circumstances your rate to be increased, because you have to pay one more direct debit. Judge it for yourself- when they cant give any reasonable explanation, they will say: " You have a credit card and its on our list of circumstances."