Rating based on 4 reviews

M&S Bank

  • Low interest rates
  • Personal loans up to £25,000
  • Repayment up to 84 months

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M&S Bank homepage
Author M&S Bank. Screenshot of M&S Bank website.
[Accessed February 16, 2022]

About M&S Bank

Have you found yourself needing a personal loan? Personal Loans can be extremely useful for a number of different reasons.

They can be used to buy a new car, for some great new home improvements, or maybe you have recently gotten engaged and need a personal loan for covering the wedding costs.

Whatever it may be that you need a personal loan for, as a citizen of the UK, like many other existing clients, M&S Bank can help you with you're the necessary funds for your personal loan needs.

M&S Bank Services

M&S Bank or otherwise known as Mark and Spencer Bank, has been providing sound and reliable financial products and services for the past 30 years and has been built on the solid foundations of M&S Money. M&S Bank aims to provide all customers with a fresh new experience with banking and money lending through a range of excellent financial services.

M&S Bank Personal loans

Among other services, which include, savings products, insurance, credit cards, and other services, M&S Bank offers ideal personal loans for all customers in the UK. Personal loans are among these great services offered by M&S Bank.

Benefits of the Personal Loan

M&S Personal loans offer great benefits and features.

  • Preferential rates - if you are an existing M&S Bank and Loan customer, you may be able to get an even better interest rate on your personal loan.
  • Fixed monthly loan repayments - your M&S Bank personal loan offers you repayments that are fixed over a fixed time. This helps manage your money.
  • Loan eligibility checker - use the personalized loan quote tool to check the lending terms for your personal unsecured loan, with having zero effect on your credit rating whatsoever.

M&S Bank Services

M&S Bank Personal Loans are not limited just to the buying of a new car, home improvements, or funding a wedding. You can apply for a personal loan for whatever you may need it for.

However, if you are after a personal loan in the UK for a wedding, home improvements, or a new car, M&S Bank can offer you tailored loans for these specific purposes.

How much you can borrow

M&S Personal Loans offer amounts anywhere between £1000 and £25000. How much you can borrow can be determined by your monthly income and your monthly expenses.

What your repayment will be

When applying for a personal loan, it can often be difficult to know what your monthly repayment will be. This can make it really difficult to budget for your personal loan. However, with the M&S Bank Personal Loan calculator you can calculate and budget for the repayment of your personal loan.

Need some assistance

If you have any questions or need to make an inquiry M&S Bank is here to help you. Visit the M&S Bank website and take a look at the FAQ's and if they prove to be of no help, there is instant help through the virtual assistant. M&S will make sure that your questions are answered.

Tips to stay on track

Learn how to stick to your loan amount and not require any further assistance by following the helpful advice provided to all customers and non-customers on the M&S Bank website. These tips are great for maximizing your loan amount.

There is also some great advice on how to manage your money if you feel that you could use some great tips on how to do this or if you feel like you want to gain some extra experience on how to do this. All are available on the M&S Bank website.

M&S Bank – Personal loan

  • Loan Type Personal loans
  • Loan Amount up to £25,000
  • Repayment 12 months to 84 months

Benefits of M&S Bank

  • Low-interest rates
  • Flexible repayment terms 
  • Quick and easy online services

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Apply for a personal loan online with M & S Bank today

M&S Bank makes it extremely easy for you to apply for your personal loan.

The best place to start would be visiting the M&S Bank website to familiarise yourself with all the great services that M&S Bank offers you, as well as fill yourself in on all the information that you may need.

The requirements for a loan

In order to apply for your personal loan, you will need to check a few criteria boxes. These requirements include:

  • Are you older than 18? In order to apply for a personal loan through M&S Bank, you need to be older than 18 years old.
  • Do you earn £10 000 or more a year? You must earn more than £10 000 annually to apply for an M&S Personal loan.
  • Are you a resident of the UK? You need to be a resident of the UK in order to apply for your personal loan.

What to do if you do not fulfill the criteria

It is not the end of the world should you not be able to tick all the boxes of the criteria to apply for the M&S personal loan. Simply put, you can still apply and you are still able to get personal finance, it will just be at a different annual percentage rate.

M&S Banking App

Managing your M&S personal loan is made simple and easy by the use of the M&S Banking App. All customers have access to the M&S Bank services through the App. Manage your personal loan at the touch of a finger, instantly, at any time.

Get a quote

Check what your lending terms could be by using the loan eligibility checker on the M&S Website. This is great to see if you can afford the loan repayments on your personal loan before applying or the loan itself.

Apply for your personalized loan

Once you have had a good look at your quote and are happy with the terms of your personal loan, then all that is left to do is simply apply for your personal loan. This is extremely simple. Just visit the M&S Bank website.

Customer Reviews & Testimonials

November 2021

Good rates and good service from M&S Personal Loans. I have had no issues with M&S Bank at all.

Alex B
— Birmingham —

June 2021

It was easy to apply and quick to be accepted. It was quick for the loan to be paid. M&S Personal loan customer service is always efficient and able to answer any of my queries.

Markle S
— Essex —

March 2021

I received a large personal loan to consolidate my debts from M&S Bank. M&S Personal Loans were quick, helpful and the rates were great.

Alexander C
— Bristol —

M&S Bank Contact

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 10565 51 Saffron Road , Wigston, LE18 9FT, United Kingdom

Opening Hours

  • Monday 10:00 – 16:00
  • Tuesday 10:00 – 16:00
  • Wednesday 10:00 – 16:00
  • Thursday 10:00 – 16:00
  • Friday 10:00 – 16:00
  • Saturday – Closed
  • Sunday – Closed