This company is terrible. Wasted so much time responding to their emails and sending in information. I have a perfect credit score, never defaulted a single payment in 27 years, have taken out loans in the past for more with banks without any issues. They sent out an email to request further information, wanted me to connect my bank to them which I did. I was then sent another email saying I hadn't done it, which was incorrect as the open banking connection was showing on my bank app. After I called Tesco, they said to ignore any emails requesting information because they don't work. Why use it if it doesn't work? Where has that information gone? After being accepted after they made a credit check, I then get rejected? When I called to ask why, I was told they couldn't tell me. I am baffled and so disappointed that they have recorded a search on my file and it's ended up this way. Never happened before. I won't go near Tesco again! Learnt my lesson. If you need a loan, go to a proper bank. 've checked all the information again, I am convinced they have made an error but they won't tell me why so it can be resolved.

APPLIED FOR A LOAN FOR A CAR. NO CONTACT FOR 4 DAYS. PHONED THEM UP AS CAR WAS BEING DELVERED NEXT DAY. VERY OBNOXIOUS MAN ON PHONE!!! COULDN'T TELL ME ANYMORE AND WAS SO RUDE. PHONED AGAIN NEXT MORNING AND WAS TOLD IT HAD BEEN REFUSED. TOTAL JOKE OF A COMPANY AND VERY EMBARRASSING. SPOILT MY CREDIT SCORE NO DOUBT. APPLIED ONLINE WITH ANOTHER COMPANY AND ACCEPTED IMMEDIATELY. BEWARE NO MATTER HOW GOOD YOUR CREDIT SCORE IS DONT BOTHER WITH TESCO!!!!!!

All done on line 'get back to you in 3-5 days" , 12 days pass nothing but now I have a hard search on my credit file???, no idea if it was approved or not as never heard another thing about it? Now I need to apply somewhere else making ANOTHER hard search on my credit file, joke!

Really garbage service. Agreed in principle, send back proof In post then no contact. I had to contact them to get final decision. Waste of time and not professional. Patronising staff. I would never recommend Tesco to anybody. Absolutely rubbish they should stick to their supermarkets only..

Customer service is ok - sometimes long waiting! People are ok/friendly. Tesco bank simply doesn't have enough employees to deal with the amount of customers! The process is too slow - take too long for credit check and need to send the documents back by post! Oh my god. I just found out that the process was so slow. If I knew it earlier, I would definitely avoid it. It only took me one day to take out £10000 with HSBC, but with Tesco, you are talking about one month. Avoid at all cost in the future. Definitely doesn't recommend it. I regret that I didn't read the reviews before I went to Tesco.

Customer service is ok - sometimes long waiting! People are ok/friendly. Tesco bank simply doesn't have enough employees to deal with the amount of customers! The process is too slow - take too long for credit check and need to send the documents back by post! Oh my god. I just found out that the process was so slow. If I knew it earlier, I would definitely avoid it. It only took me one day to take out £10000 with HSBC, but with Tesco, you are talking about one month. Avoid at all cost in the future. Definitely doesn't recommend it. I regret that I didn't read the reviews before I went to Tesco.

APLICATION RALLY FAST PAS BUT....I WANTED TO BAROW 8000 FOR 2 YEARS (I DO USED THEIR CALCULATOR ) AND THE CALCULATOR SHOW ME-3,8PROCENT IT WAS 346.45 WHEN I FEELED APLICATION FORM THEY CHANGE FOR 11PROCENT WHERE IS DIFFERENCE BECOUSE AMOUNT IS 370,93 SO IT IS 24,48 EVERY MONTH.I CALLED THEM BUT THEY SAID IT IS THE HIGHEST AMOUNT. I THINK IS UNFAIR AND THEY SHOULD CHANGE THIS . WHEN THEY GIVE YOU CALCULATOR YOU SHOULD HAVE PROPLY AMOUNT WHAT YOU CAN PAY BACK. THANK YOU

I applied for a tesco loan to consolidate my other loan and credit cards due to the low advertised rate of 4.1%. I applied online but was told they needed extra time to consider my application and would be in touch. 4 days later I received my paperwork stating the loan had "been agreed In principal" at a rate of 11.2%!! I know rates are sometimes approved at favourable rates considering credit scores etc so I obtained my credit report. It states my credit score is excellent and I have 0 missed or late payments. I called tesco to query why they had almost tripled the advertised rate and was told they are generated by a computer and no one could explain to me why this happens, it's calculated automatically?... Really tesco? What appalling misleading service with a terrible explanation and after service! Now I have a loan offer I don't want and an added search on my credit history. If I'd have known this would be the rate on offer I would have never of applied! It's higher than the rates of the loans I'm consolidating! Waste of time... I'm furious!!!

I applied for Tesco Loans on 18th April and was duly accepted, I was delighted as the repayments were £44 less a month than a loan I wanted to repay for my lovely new car. I waited for my paperwork, it arrived very quickly considering the Easter break, I posted it back on 25th April and awaited my money. Feeling very happy with myself, as a working mum the loan was put to the back of my mind, I had done everything I'd been asked to do. By 10th May I paid as other large installment on my original loan (Tesco money hadn't arrived at this point) but I thought they could be behind with all the bank holidays we had lately. Having worked masses if overtime lately, I felt I needed to chase up this Tesco loan, no money has appeared, no letter, no nothing. 23rd May I innocently chased up, to my surprise they responded that my application had been received, had been unexplainably missed, and had expired, so I would need to have the whole thing reprocessed. I could either have it reprocessed that day and take a chance that I would be offered the same APR and to be even accepted at all because 2 credit checks would have happened within a short period of time, or I wait for them to remove the credit search that would not happen til Wednesday, then they would reprocess. Sadly no apology, for the paperwork being missed. I begrudgingly had to wait til the next week. Sadly nobody contacted me until Thursday, it was how the shifts at the call centre fell, at this point they said for a reason out of their control the credit check had not been removed and will not be removed til the following Monday. The person who had been promising me everything that never happened was on holiday so another person from their team would come back to me on Monday. So I called back to finally speak to somebody who was going to actually do what they had promised. I finally got an apology in the form of a £20 Tesco gift voucher! Moral: Do not use Tesco loans if you want quality customer service and to be treated like a respectable human being. We have yet to see if I finally get my credit check removed!

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After making an application online following the headline grabbing 4.8% APR Decision came back instantly with an APR hike of 6.7%. My Experian credit score is currently 999 out of 1000 in the green excellent bracket. I would love to know who does achieve there 4.8% APR This misleading advertising needs to be investigated as the search by Tesco Bank may impact on my excellent credit rating. DO NOT TRUST THIS ADVERTISING NOR TRUST THE PROVIDER

Applied for a loan advertised at APR 4.8% for £14K over 3 years, it was a joint application between me and my partner (both on good salaries) and after spending few days on filling all the information required for the application we got approved (within one minute from pressing proceed) but with an APR of 8.5%! I called Tesco to complain for wasting my time and they could not give me any information as to why we got APR 8.5%. Either me or my partner aren't what they would call "risky" customers and I really believe TESCO are tricking their customers. Very disappointed, do not waste your time filling the application unless you are happy with a high APR.

Really don't like how you apply for a loan with a 4.8% APR rate and then they do a credit check against you, say you've been approved for something like 7.8% APR, I didn't apply for that so it should be either a yes or a no but instead they offer a rubbish rate that goes against your credit score, thanks for that

Very disrespectable advisor, never helped me once, never return call wen they advise too.

applied for a loan with Tesco as previously they provided an excellent & effective service. However when applying this time we had to chase for a decision after a week only to be told that they had been trying to contact my husband on his mobile. He had no missed calls but we took theirnword for it! We were asked to provide 1 months bank statement which we posted the next day. My husband rang them after a further week to be told they had received the statement but they weren't sure where our application was in the process and they would call us back with an update. That was 4 weeks ago and we have heard nothing since. I am now going to send a complaint letter, asking for the application to be cancelled and for the search on my credit file to be removed. Absolute joke and would not recommend!