We applied.for a car loan at 3% and were advised decision would take 3 days, 5 maximum. We waited 11 days for a decision 8 working days. Trying to phone and see what was happening with our application we were on the phone for over 6 hours over 5 phonecalls. When the loan offer came, it took 3 days to arrive. Asked for further documents and bumped loan rate up to 8%. Glad we double checked as the conformation email said we had been fully approved. Do not recommend and read the small print. We also almost lost the car we put a deposit on due to the time taken by Sainsbury's bank. Complete farce. Do not recommend