Personal Loan Information

Borrow up to £25,000

With an M&S Personal Loan you can borrow from £1,000 to £25,000. And you can use the money to do whatever you want.

Great rate

Enjoy a great rate of 8.7% APR typical on loans between £7,500 and £15,000. Try our loan calculator to help work out how much you could borrow.

Repayment holiday

You don’t have to start repaying your loan for 3 months. Interest is charged throughout the full loan term – including the 3 months before the repayments start. So for a 60-month loan you’d pay interest over 63 months.

Quick decision

You can apply online or by phone. Applying online takes less than 10 minutes – and in most cases we’ll let you know if your loan has been approved within 48 hours.

Repayment terms to suit you

You can spread your loan over 12 to 84 months. Lengthening the repayment term reduces your monthly payments but will have the effect of increasing the total interest payable.

Already got an M&S loan?

If you’ve an existing loan with M&S, and you want to borrow more, contact our customer service team on 0800 363 400.

Apply now