Unsecured loan calculator

Just how much do you wish to borrow?

Over just exactly how numerous months?

Footnote 1 † 1 improved rates on particular loans could be open 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 affect the rate offered.

Representative instance

Borrowing over months:

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

Apply in less than 9 mins

Great things about an M&S Unsecured Loan

• Repay your loan over a length 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
• Choice to defer your repayments for three months
• No set-up or arrangement charges

Wish to accomplish a loan eligibility check that is quick? Learn more about a personalised loan quote

Credit at the mercy of status to UK residents just. To put on you really must have a annual earnings of at minimum ?10,000 and become aged 18 or higher. The loan term and amount you request will even affect the rate offered.

Features and advantages

Defer the re payments on the loan ††

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

Fixed month-to-month repayments

A unsecured loan from M&S Bank provides fixed monthly repayments, over a set time frame, making it simpler to help you manage your hard earned money.

Preferential rates

Our loan prices are competitive for several clients, but M&S Bank primary cardholders Footnote 1 *, present account and current loan clients could easily get a level better rate on selected loan quantities.

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 described as A british resident and get aged 18 or higher. Clients who do perhaps perhaps perhaps not fulfill our normal financing requirements could be provided that loan at a various apr. This can be determined by your individual circumstances. The mortgage quantity and term you request may also influence the rate offered.

Footnote 1 * 1 M&S primary cardholders consist of 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 this search will not influence your credit history.

Instant assistance

How to see the balance that is remaining my M&S Loan?

In the event that you contact us on 0800 363 400 we are going to be thrilled to give you your remaining loan stability details.

We have a preexisting M&S Loan could I sign up for A m&s that is second Loan?

This can be feasible. You will find choices to just take a 2nd loan or organize a brand new loan that will repay your existing M&S Loan and supply you because of the additional borrowing that you want. You would have to give us a call on 0800 363 400 to endure a software that involves a credit check and an evaluation of one’s specific circumstances that are financial.

Where may I find my loan settlement figure?

To locate your M&S Loan settlement out figure you will have to give us a call on 0800 363 400.