M&S Bank Personal Loan
OUR RATING
Loan Amount
Total Payable
Monthly Repayment
Representative APR
Representative example will update based on your input.
Our Verdict
M&S offers personal loans from £1,000 to £25,000, with flexible repayment terms from 12 to 84 months. There are no arrangement or set-up fees, and interest rates are among the most competitive on the market. Funds are typically received within 3 working days of signing the loan agreement, making this a suitable option for those who value flexibility and don’t require immediate access to funds.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
| Issuer | M&S Bank |
|---|---|
| Loan Type | Unsecured Personal Loan |
| Rate Type | Fixed |
| Interest Calculation Method | Daily |
| Minimum Loan Amount | £1,000.00 |
| Maximum Loan Amount | £25,000.00 |
| Minimum Loan Term (months) | 12 |
| Maximum Loan Term (months) | 84 |
| Customer Type | New or Existing Customers |
| Relationship | New or Existing Customers |
| Acceptance Criteria | Minimum applicant income £10,000 per annum. |
| Minimum Age | 18 |
| Maximum Age | 70 |
| Debt Consolidation Limit | £25,000.00 |
Important: When consolidating your existing borrowing, you may extend the term of your debt and increase the total amount you repay.
Get Personalised Loan Rates
Find lenders that may be able to approve you
Options for all credit backgrounds
Representative 18.6% APR
No impact to your credit score
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
Balance transfer cards for credit builders
Your credit profile affects whether you may qualify for a balance transfer card. This guide explains how lenders assess applications ...
How much can you balance transfer?
Your balance transfer limit is usually a percentage of the credit limit you are offered on a new card. This ...
What is a balance transfer fee?
A balance transfer fee is a charge added when you move an existing credit card balance to a new card ...