Manage your loan

Apply to defer your loan payment

To support customers who are financially impacted by Covid-19, M&S Personal Loan customers can now request to defer their monthly loan repayment without affecting their credit file.

Find out more

Need to top up your loan?

If you've already got an M&S Personal Loan and you wish to increase it, please contact our Customer Services team on 0800 363 400.

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.

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.

Making overpayments

Making overpayments to your existing loan may reduce the amount of interest you pay. Cash cannot be paid directly into a loan account via our self-service machines, however, customers can pay into their current account and then transfer electronically or pay by debit card. You can make overpayments free of charge by contacting our Customer Services team on 0800 363 400.

Opening hours

8am-8pm 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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