Customers that do maybe maybe maybe not fulfill our normal criteria might be provided a various apr to our standard prices

Unsecured loan calculator

Just how much do you wish to borrow?

Over exactly exactly how months that are many?

Footnote 1 † 1 improved prices on specific loans might be offered to clients with a preexisting M&S loan, present account or card (where you’re the key cardholder).

The term and amount you request will even influence the rate offered.

Representative instance

Borrowing over months:

  • Monthly repayment ?179.94
  • Total quantity payable ?10,796.40
  • Representative 3.1% APR
  • Interest of 3.1per cent p.a. (fixed)

Apply in less than 9 moments

Advantages of an M&S Unsecured Loan

  • Repay your loan during a period of 12 to 84 months on loans between ?1,000 and ?20,000, or higher a time period of 12 to 60 months on loans between ?20,001 and ?25,000
  • Solution to defer your repayments for three months
  • No arrangement or set-up costs

Might like to do a fast loan eligibility check? Find out more about a loan quote that is personalised

Credit at the mercy of status to British residents just. To put on you really need to have a yearly earnings of at minimum ?10,000 and stay aged 18 or higher. The mortgage quantity and term you request may also influence the rate offered.

Features and benefits

Defer the re payments on your own loan ††

Interest is charged through the complete loan term – including the optional three months prior to the repayments begin. Therefore for a financial loan over 60 months ( five years) you’d pay interest over 63 months, meaning you’ll be spending more interest overall.

Fixed repayments that are monthly

A loan that is personal M&S Bank provides fixed month-to-month repayments, over a set time period, making it simpler to help you manage your hard earned money.

Preferential prices

Our loan prices are competitive for several clients, but M&S Bank primary cardholders Footnote 1 *, present account and existing loan clients could easily get a level better rate on chosen loan amounts.

Loan eligibility checker

You can check to see the lending terms you might receive on your unsecured loan, without affecting your credit rating, by using our personalised loan quote tool about a personalised loan quote tool before you apply.

To use for an M&S Loan, you really must have a yearly earnings of at minimum ?10,000, be A british resident and start to become aged 18 or higher. Clients that do maybe maybe perhaps not satisfy our normal financing requirements can be provided financing at A apr that is different. This can rely on your circumstances that are personal. The mortgage quantity and term you request may also influence the rate offered.

Footnote 1 * 1 M&S cardholders that are main M&S bank card, M&S Chargecard and M&S Budgetcard.

A personalised loan quote is a quote search of one’s credit report at a credit guide agency and also this search will not influence your credit history.

Instant assistance

How do I view the staying stability on my M&S Loan?

In the event that you contact us on 0800 363 400 we are going to be very happy to give you your remaining loan stability details.

We have a preexisting M&S Loan am I able to remove A m&s that is second Loan?

This might be feasible. You can find choices to have a loan that is second organize a unique loan that will repay your existing M&S Loan and supply you with all the extra borrowing that you need. You would have to contact us on 0800 363 400 to endure a credit card applicatoin that involves a credit check and an evaluation of the individual circumstances that are financial.

Where may I find my loan settlement figure?

To get down your M&S Loan settlement figure you will have to give us a call on 0800 363 400.

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