What in 2022 should be a simple process of applying for a loan became an absolute nightmare , I had the opportunity to purchase a bargain of a car and needed to secure a quick loan Being a Tesco credit card customer of over 20 years I have a Tesco bank login and phone app. After several attempts to apply for a loan on the app I kept getting sent back to restart the process no joy there ! 15 minutes on hold for help , got told can't apply for loan on the app beggars belief the app couldn't point this out ! Was advised to visit the Tesco bank website and not to login just apply for a loan ,as we entered all the necessary details a box popped up pointing out that we were existing customers and we would need to login and apply So now we're logged in and filling out the application for the umpteenth time when a box pops up pointing out we're existing customers and we need to login , top of screen clearly shows we are logged in. Another 15 minutes on hold , very helpful and apologetic person offers to transfer us to a phone advisor who can complete loan application on the phone. Whereas an online application will give a near instant decision , 15 minutes later the phone service advised me it would take a week for an answer and over two week for the funds if accepted . At this point we declined and took out the loan with Barclays and got accepted and funds actually transferred into our account all within ten minutes. How a loyal Tesco shopper , clubcard and credit card customer can be treated so shabbily I just don't know. My wife and I own our house with no mortgage and both earn decent wages no other loans or debts , top experian score possible I know usually I can't be bothered but this time I will change credit card provider and now shop at ALDI as I can't say Tesco anymore without stammering. What do you pay your IT department for because their not doing a good job.