Call us on 01481 723501 to discuss your requirements

Welcome to the Sarnia Finance website

Sarnia Finance has been in business since 1932, serving the Guernsey community and becoming one of the local lenders of choice.

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

We are known for our discretion and fairness and are dedicated to helping local people with their financial needs.


“Come in and let’s talk about it!”

What our customers say about us

Don’t just take our word for it, 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, or pop in and fill in one of our cards!

“Amazing how quick this company is to react to a client’s ever-changing needs. Total “Top Drawer” service! Thank you so much”

"Always had trust in Sarnia Finance, you know where you stand. Honest answers. Fast and efficient – Would recommend to anyone.”

“Sarnia Finance is very fast and efficient. The staff are friendly and helpful. Great company and a pleasure to deal with them.”

“Fantastic team! Incredibly helpful, good guidance, amazing customer service”

"Fabulous team, always helpful and approachable – Highly recommended"

“A continued professional and reliable service to the Islanders of Guernsey. Thank you!”

Meet the team

We have a caring team that is here to help.

Debbie Paul

Debbie Paul

Managing Director

Debbie originally joined Sarnia Mutual in 2014 and was appointed as Finance Director but has more recently been promoted to Managing Director. Having worked in the finance industry for over 35 years, Debbie brings a lot of experience to the team. Whilst previously living in Singapore, she has consistently been involved in volunteering for charities, as well as for sports committees, showcasing her teamwork skills and desire to support people whenever she can.

Jon Le Vallee

Jon Le Vallee

Office Manager and MLRO

Jon joined the Company in 2010 and is our Office Manager and Head of Compliance and Risk. He takes on many roles and we rely on him to keep the office running smoothly on a daily basis. Away from work, Jon enjoys spending time with his wife and two young children. He practises the martial art of Brazilian Ju-Jitsu and gives his time to coach adults and the younger members. Jon is often found walking the family dog, fishing and kayaking around Guernsey’s lovely coastline.

Michelle Enticott

Michelle Enticott


Michelle is our longest serving member of staff, having been with us since September 2001. Her friendly manner and understanding of our customers’ needs make her a very popular point of contact in the company, which is reflected in the many excellent reviews she receives. In her spare time, Mich enjoys swimming, camping and singing Karaoke!

Fiona Bourgaize

Fiona Bourgaize


Fiona has been with Sarnia since early 2016 but had previously worked for the company back in 1996. Fiona brings with her a wealth of experience from her years working in the finance industry. When she is not working, Fiona loves spending time with family and her adorable little Shih Tzu, Pickles. Her personal money tip is “if you haven’t got the money to buy something, either save up or come and talk to Sarnia Mutual!”


Vernon Etherington


Vernon has been at the helm of Sarnia Mutual since 1989 and has seen the company go through many changes in that time. His invaluable business experience has shaped the core foundation of Sarnia and he is very much involved in the day to day running of the company. Vernon has many hobbies outside of the office, but above all else, enjoys spending time with his family. He also leads the way when it comes to the staff social events!

Ken Bradley

Non-Executive Director

Ken is a non-executive director with 30 years of experience in the finance industry. His previous roles include heading up and holding directorships of large international banks across the retail, corporate and fiduciary spaces. Ken provides Sarnia Mutual’s board and executive directors with independent and objective advice, advising on strategy, finance, risk management and compliance. He is an avid Liverpool football fan and spends time away supporting his team.

The History of Sarnia Finance

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


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


New Beginnings

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

New Beginnings

What we offer

  • Affordable personal loans
  • Loans from £500 to £30,000
  • Funds often available the same day
  • Proudly Local for over 85 years
  • Honest, fair and friendly service
  • Home Improvement Loans
  • Car Loans
  • Holiday Loans
  • Wedding Loans
  • Business Loans
  • Free quotes
  • Exclusively Guernsey

Contact Info

3rd floor Wolverton Place, Market Street, St Peter Port (above Specsavers)

01481 723 501

Week days: 9:00 am - 5:00 pm

Copyright © 2020 Sarnia Mutual Ltd. trading as Sarnia Finance. All Rights Reserved.