What other borrowing options are there?
Visit our ways to borrow page to understand more about the types of borrowing available at M&S Bank before deciding what is best for you.
How can I view the remaining balance on my M&S
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
If you’ve already got an M&S Personal Loan and you want to increase the amount you borrow, you can apply for a second loan online. Please note, this means you’ll be making two loan repayments each month. If you already have two M&S Personal Loans you’ll need to call us on 0800 363 400 to discuss the possibility of increasing your borrowing further.
If you would prefer to top up an existing loan, so that you have just one monthly repayment, please call us on 0800 363 400.
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
Can I make overpayments?
You can make overpayments which may reduce the amount of interest that you pay.
If you have an existing loan and wish to make additional payments you’ll need to call us on 0800 363 400.
Why get a personal loan?
A personal loan can be a good way to pay for home improvements, buy a new car or consolidate debts.
Learn more about the different reasons to get a personal loan.
How much can I borrow with a personal loan?
With an M&S Personal Loan you could borrow between £1,000 and £25,000.
What is the repayment term for a personal loan, and how do I make payments?
With an M&S Personal Loan you can repay your loan with fixed monthly repayments over a period of 12 to 84 months. You can learn more about how to make payments and securely manage your loan by visiting our manage your loan page.
Can I use a personal loan to consolidate my debts?
A personal loan from M&S Bank could help you manage your debts by keeping your total outstanding balance in one manageable place. This type of loan is known as a debt consolidation loan.
Learn more about debt consolidation loans.
Will my credit score affect my ability to get a personal loan?