Personal loan calculator
How much do you want to borrow?
Over how many months?
Footnote 1†  Enhanced rates on certain loans may be available to customers with an existing M&S loan, current account or card (where you’re the main cardholder).
Customers who do not meet our normal criteria may be offered a different APR to our standard rates. The amount and term you request will also impact the rate offered.
Borrowing over months:
- Monthly repayment £179.94
- Total amount payable £10,796.40
- Representative 3.1% APR
- Interest rate of 3.1% p.a. (fixed)
Apply in as little as 9 minutes