Personal loan calculator
To borrow would cost you:
per month for the next months
Based on a monthly repayment of you could borrow:
over a term of months
- Based on an interest rate of (fixed)
- Total amount payable
Customers who do not meet our normal criteria may be offered a different APR to our standard rates
Features and Benefits
Defer the payments on your loan
Interest is charged throughout the full loan term – including the optional 3 months before the repayments start. So for a loan over 60 months (5 years) you’d pay interest over 63 months, meaning you will end up paying more interest overall.
Fixed monthly repayments
Making it easier to manage your money.
Our loan rates are competitive for all customers, but M&S Bank main cardholdersFootnote 1*, current account and existing loan customers could get an even better rate on selected loan amounts.
To apply for an M&S Loan, you must have an annual income of at least £10,000, be a UK resident and be aged 18 or over. Customers who do not meet our normal lending criteria may be offered a loan at a different APR. This will depend on your personal circumstances.
Footnote 1*  M&S main cardholders include M&S Credit Card, M&S Chargecard and M&S Budgetcard.
How can I view the remaining balance on my M&S Loan?
If you call us on 0800 363 400 we'll be happy to provide you with your remaining loan balance details.
I have an existing M&S Loan can I take out a second M&S Loan?
This may be possible. You would need to call us on 0800 363 400 to go through an application which involves a credit check and an assessment of your individual financial circumstances.
Where can I find my loan settlement figure?
To find out your M&S Loan settlement figure you'll need to call us on 0800 363 400.