Applied for a loan online and was offered their advertised rate of 5.2% APR! I applied to Sainsburys Bank before this and instead of being offered their advertised rate, I was offered 8.6% APR instead. Therefore, I opted for Tesco. After receiving the documentation two days later, I immediately signed the agreement and returned it in their pre-paid envelope. I kid you not, by approx. 6pm the VERY NEXT DAY, the loan funds appeared in bank account by a faster payment. Totally faultless experience of Tesco Loans.