M&S Car Buying Plan

Get more car for your money

M&S Car Buying Plan

Car Buying Plan

  • Great rate of 8.7% APR typical on car buying plans between £7,500 and £15,000
  • Defer up to 60% of your loan and reduce your monthly repayments
  • Choose a repayment term from 1 to 5 years
  • Quick decision – applying online is quick and easy
  • Fixed monthly repayments for the life of the loan
  • No hidden costs – no arrangement or set-up fees

Maximise your loan – minimise your payments

The M&S Car Buying Plan lets you borrow up to £25,000 – and defer up to 60% of your loan. So you can get the car you really want, at a price you can afford.

To apply for an M&S Car Buying Plan you have to be a UK resident aged 30 or over or a home-owner.

Apply now

More information


Apply for M&S Car Buying Plan

Apply now

or call 0800 363 400

Important documents

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Loan calculators

Use our calculators to see how much you can afford to borrow.

Personal loan calculator

Car Buying Plan calculator

Existing customers

Need to top up your loan?

Call us on 0800 363 400 and we’ll be happy to help. Calls may be recorded.

Payment Protection Insurance

When borrowing money you should consider your ability to maintain the monthly repayments.

Find out more

Rewards

Earn M&S points whenever you go shopping and spend them at M&S.

Find out about M&S Rewards