Marks & Spencer loan calculator

Use our Marks & Spencer loans calculator to see how much you'll pay back on an M&S personal loan.

Table: sorted by representative APR, promoted deals first
1 - 1 of 1
Product UKFPL Finder Score Total Payable Monthly Repayment Representative APR Link
Finder score
Check eligibility
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Representative example: Borrow £10,000.00 over 3 years at a rate of 6.2% p.a. (fixed). Representative APR 6.2% and total payable £10,956.60 in monthly repayments of £304.35.
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Finder Score for unsecured loans

To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

We’ve based our calculator on its advertised representative APR, but it’s important to note that M&S Bank is only obliged to offer this rate to 51% of its customers – the actual rate you’re offered will depend on its assessment of your circumstances.

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

How do M&S Bank loans compare against the competition?

Table: sorted by representative APR, promoted deals first

Before you take out a personal loan, it’s smart to read up and shop around. You can use the table below to see how much the loan you have in mind cost cost with a range of lenders.

1 - 13 of 13
Product UKFPL Finder Score Total Payable Monthly Repayment Representative APR Link
Finder score
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.9% p.a. (fixed). Representative APR 6.9% and total payable £11,064.60 in monthly repayments of £307.35.
Finder score
Check eligibility
View details
Representative example: Borrow £5,000 over 48 months at a rate of 24.2% pa (fixed). Representative APR 27.1% and total payable £7,853.87 in monthly repayments of £163.62.
M&S Bank Personal Loan eligibility
M&S Bank logo
Finder score
Not yet rated
Check eligibility
View details
Finder score
Check eligibility
View details
Representative example: Assumed borrowing of £7,500.00 over 48 months at 17.9% APR representative. Monthly cost of £214.79. Total amount repayable of £10,309.78. Interest rate of 16.6% p.a.(fixed) and total fees of £150.00. Available for loan amounts between £5,000 - £25,000.
Finder score
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.2% p.a. (fixed). Representative APR 6.2% and total payable £10,956.60 in monthly repayments of £304.35.
Finder score
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.5% p.a. (fixed). Representative APR 6.5% and total payable £11,003.04 in monthly repayments of £305.64.
Finder score
View details
Representative example: Borrow £8,000 over 48 months at a rate of 16.66% p.a. (fixed). Representative APR 17.99% and total payable £11,013.12 in monthly repayments of £229.44.
Finder score
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.5% p.a. (fixed). Representative APR 6.5% and total payable £11,003.04 in monthly repayments of £305.64.
Finder score
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.1% p.a. (fixed). Representative APR 6.1% and total payable £10,941.12 in monthly repayments of £303.92.
Finder score
View details
Representative APR 10% (fixed).
Finder score
View details
Representative example: Borrow £1,500.00 over 3 years at a rate of 22.9% p.a. (fixed). Representative APR 22.9% and total payable £2,028.60 in monthly repayments of £56.35.
Finder score
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 0.0% p.a. (fixed). Representative APR 0.0% and total payable £0.00 in monthly repayments of £0.00.
Finder score
View details
Representative example: If you borrow £29,100 over 12 years, initially on a fixed rate for 5 years at 8.885% and for the remaining 7 years on the Lender's standard variable rate of 9.285%, you would make 60 monthly payments of £375.53 and 84 monthly payments of £380.29.
loading

Finder Score for unsecured loans

To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology
Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

M&S Bank customer reviews

In our 2023 customer satisfaction survey, M&S scored 4 out of 5 stars with 75% of its customers saying they’d recommend the brand to a friend.

Customers in our survey commented positively on M&S Bank’s overall service. One commented they experienced a “very easy and simple process to apply online”, as well as receiving fast responses. Another commented that M&S Bank “explained everything really well and made me feel safe and secure”.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise
Chris has written 602 Finder guides across topics including:
  • Loans & credit cards
  • Building credit
  • Financial health

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