Clients that do perhaps maybe not fulfill our normal requirements might be provided A apr that is different our standard prices

Personal bank loan calculator

Simply how much would you like to borrow?

Over exactly just just how months that are many?

Footnote 1 † 1 improved prices on particular loans can be accessible to clients with a current M&S loan, present account or card (where you’re the key cardholder).

The term and amount you request may also influence the rate offered.

Representative example

Borrowing over months:

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

Apply in less than 9 mins

Benefits 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 a couple of months
  • No set-up or arrangement costs

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

Credit at the mercy of status to British residents only. To make use of you really must have a yearly earnings of at least ?10,000 and start to become aged 18 or higher. The mortgage quantity and term you request may also affect the rate offered.

Features and advantages

Defer the payments on your own loan ††

Interest is charged through the entire complete loan term – including the optional a couple of months ahead of the repayments begin. Therefore for a loan over 60 months ( five years) you’d pay interest over 63 months, meaning you can be spending more interest overall.

Fixed repayments that are monthly

A personal bank loan from M&S Bank provides fixed month-to-month repayments, over a hard and fast time frame, making it simpler to help you handle your hard earned money.

Preferential prices

Our loan prices are competitive for many clients, but M&S Bank primary cardholders Footnote 1 *, present account and current loan customers might 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’ll want an income that is annual of minimum ?10,000, be A british resident and become aged 18 or higher. Customers that do maybe perhaps maybe not satisfy our normal financing requirements can be provided financing at A apr that is different. This can rely on your individual circumstances. The mortgage quantity and term you request will even influence the rate offered.

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

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

Instant assistance

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