M&S Personal loans

Personal loan calculator

Your Results

Representative example

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

Change the term?

  • Representative 
  • 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

3.0% APR representative

This great rate is applicable on loans between £7,500 and £15,000 over 12 to 84 months. Credit available subject to status to UK residents aged 18 or over. Terms and conditions apply.


Benefits of an M&S Personal Loan

  • Great rate of 3.0% APR representative on loans between £7,500 and £15,000
  • Repay your loan over a period of 1 to 7 years on loans between £1,000 and £15,000, or over a period of 1 to 5 years on loans between £15,001 and £25,000
  • Option to defer your repayments for 3 months
  • No arrangement or set-up fees

Want to do a quick loan eligibility check? Find out more about a personalised loan quote

Credit subject to status to UK residents only. To apply you must have an annual income of at least £10,000 and be aged 18 or over.

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.

Preferential rates

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.

Loan eligibility checker

Before you apply you can check to see the lending terms you might receive on your loan, without affecting your credit rating, by using our personalised loan quote toolabout a personalised loan quote tool.

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* [1] M&S main cardholders include M&S Credit Card, M&S Chargecard and M&S Budgetcard.

A personalised loan quote is a quotation search of your credit file at a credit reference agency and this search does not affect your credit rating.


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. There are options to take a second loan or arrange a new loan which will repay your existing M&S Loan and provide you with the additional borrowing that you require. 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.

Ready to apply?

Applyfor an M&S Credit Card Shopping Plus offer

Apply over the phone:0800 363 400

Lines are open 8am-9pm Monday to Friday, 8am-7pm Saturday, 10am-6pm Sunday. Calls are recorded.

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