M&S Bank Personal Loan
OUR RATING
Loan Amount
Total Payable
Monthly Repayment
Representative APR
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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.
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Options for all credit backgrounds
Representative 18.6% APR
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Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited who is acting as a credit broker, not a lender.
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