Call us on 01481 723501 to discuss your requirements

Welcome to the Sarnia Mutual website

From small beginnings in 1932, through the occupation and beyond, we have grown to become one of the local lenders of choice for thousands of islanders.

Our award winning, locally based team are happy to provide you with a warm and relaxed approach to lending the money that you need; whether it is for an unexpected bill, a consolidation loan or even a holiday.

We are dedicated to helping generations of locals with their financing needs and intend to do so for many years to come. You can trust our discretion and fairness.

I want to thank you for visiting our website and I hope that we hear from you soon.

What our customers say about us

Don’t just take our word for it, while we think we are the best, why not see what our customers have to say about us! Here are a few of the many testimonials that we have received. If you would like to add your own testimonial to the website, we’d love to hear from you. Either, email us at [email protected], or pop in and fill in one of our cards!

Five Stars

Graham B

Five Stars!


The best loan company that I have ever dealt with, lovely staff (especially Michelle) - always so happy when you speak with them over the telephone, they take the time to ask how you are, they are really friendly

Nina D

Customer service very good indeed! Five stars!


Very helpful and pleasant! Five Stars!


Great, super fast and efficient service! The staff are so helpful and kind.

Victoria R

Meet the Sarnia Mutual team

We have a caring team that are here to help

Debbie Paul

Debbie Paul

Managing Director
Jon Le Vallee

Jon Le Vallee

Office Manager
Michelle Baird

Michelle Baird

Fiona Bourgaize

Fiona Bourgaize

Debbie Hewitt

Debbie Hewitt

Admin Assistant

The history of Sarnia Mutual

We've been helping islanders since 1932, here are some highlights of the company history.

  • 1932

    New Beginnings

    Mutual Benefit Supply Co Ltd (Later, Sarnia Mutual) established

  • 1938

    On the Move

    Company moves to Church Square from Commercial Arcade

  • 1940

    Channel Islands Occupied

    Guernsey occupied by German forces 

  • 1945

    War Ends

    World War 2 Ends and the Channel Islands are liberated

  • 1963

    Beginnings of Guernsey's Finance Industry

    First ‘merchant bank’ opens office in Guernsey

  • 2006

    The loan Shop opens

    The Loan Shop opens its doors for the first time

  • 2014

    New Directions!

    Sally Moseley becomes Sarnia Mutual Managing Director


  • 2014

    Moving on Up

    Sarnia Mutual + The Loan Shop move from Church Square to the 3rd Floor of Wolverton Place

  • 2016

    A busy year

    Sarnia Mutual Awarded Best of Business of the Year 2016 in the Financial Services category, and one of the top 15 businesses in Guernsey.

    Sarnia Mutual and The Loanshop join together.

  • Sarnia Mutual 80 Years 2017

    Celebrating 85 Years

    Sarnia Mutual celebrated an incredible 85 Years in Business. This is an amazing achievement for a business in any market. Sarnia Mutual has been helping islanders since its foundation in 1932 and will be doing so in 2102.


We are happy to have supported many different individuals, businesses and organisations over the years we have been in business. We are on a continuous journey and hope to give back to the community as much as we can. Some of our recent beneficiaries include;

Recent community projects

Welcome a new look Sarnia Mutual

Oct 06, 2016

Welcome a new look Sarnia Mutual Oct 06, 2016

Try Babies WIN Business A League

Aug 11, 2016

Try Babies WIN Business A League

Aug 11, 2016

Touch Rugby Youth summer league

...we're sponsoring a team

May 23, 2016

Touch Rugby Youth summer league

...we're sponsoring a team May 23, 2016