Loans

Put your plans into action with a loan or car buying plan from M&S – and enjoy a great rate of just 8.7% APR typical when you borrow between £7,500 and £15,000.

M&S Personal Loan

Award-winning personal loans from a name you can trust

  • Borrow from £1,000 to £25,000 – for whatever you want
  • Affordable monthly repayments – fixed for the life of the loan
  • Repayment holiday – defer repayments for the first 3 months
  • Quick decision – apply online or by phone
  • Typical 8.7% APR on loans between £7,500 and £15,000

To apply for an M&S Personal Loan you have to be a UK resident aged 30 or over or a home-owner

Apply now

More Information

M&S Car Buying Plan

Get more car for your money – and keep your monthly payments low

  • Borrow from £2,500 to £25,000 – for a car, boat, motorbike or caravan
  • Reduce monthly payments – by deferring up to 60% of your loan
  • Fixed repayment terms – 1 to 5 years
  • Quick decision – apply online or by phone
  • Typical 8.7% APR on Car Buying Plans between £7,500 and £15,000

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

Enjoy a great rate of 8.7% APR typical on loans between £7,500 & £15,000

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