Personal loans
Stop and think, stay ahead of investment scams
Scammers may pretend to be investment experts, promising quick, high profits. Please consider:
- Are you being asked to take out a loan/loans?
- Is someone helping you fill in applications and asking you to share your screen?
- Did you see an advert on social media offering investment opportunities?
- Are you being told to invest more and more?
If you have answered yes to any of the above, this is a scam, do not proceed with a loan application.
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We may be able to offer you a better rate if you change the amount you want to borrow or the length of time you borrow for. A small change can make a big difference to how much interest you'll have to pay and the overall cost of the loan. We'll offer you a rate based on our assessment of your personal financial circumstances.
Benefits of an M&S Personal Loan
Borrow between £1,000 and £30,000
Repay your loan over a period of 12 to 84 months
No arrangement or set-up fees
Use the loan eligibility checker before you apply
Credit subject to status to UK residents only. 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.
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.