Personal Loans

• Great rate of 9.9% APR typical on loans between £7,500 and £15,000
• Fixed monthly repayments, so you know where you stand
• Repayment holiday – defer repayments for the first 3 months
• Quick decision – applying online is quick and easy
• Repayment terms from 1 to 7 years
• No hidden costs – no arrangement or set-up fees

We've made borrowing simple

Whatever your plans, you can make them happen with a personal loan from M&S. Apply online and get a decision right away.

To apply for an M&S Personal Loan you have to be a UK resident aged 30 or over or a home-owner. You must also be either an existing M&S Credit Cardholder or Chargecard holder. If you have an existing M&S Personal Loan or Car Buying Plan please call 0800 363 400.

Apply now

More information