Existing loans customer information

Need to top up your loan?

If you've already got an M&S Personal Loan and you want to borrow more, please contact our Customer Services team on 0800 363 400 or visit a branch.

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. The loan amount and term you request will also impact the rate offered.

Making overpayments

You can make overpayments, which may reduce the amount of interest that you pay.

Early settlement

You can repay your loan partially or in full at any time. If you choose to do this, there may be a reduction in the amount of interest you have to pay. If you repay part of the loan early, your monthly repayment will stay the same but you may repay the loan more quickly. If you wish to repay your loan early please call us on 0800 363 400 for a settlement figure.

Opening hours

8am-9pm Monday to Friday
8am-7pm Saturday
10am-6pm Sunday

Calls are recorded.

Important documents

M&S Personal Loans Terms and Conditions

Your guide to credit scoring

The Standards of Lending Practice

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