With the Marks and Spencer Personal Loan you could repay £10,000 at a typical 7.4% APR in 60 monthly repayments of only £244.86 a month, total amount payable, £14,691.60, which includes Payment Protection Insurance and a 3 month repayment holiday at the start of the loan.

If you repay £10,000 at a typical 7.4% APR in 60 monthly repayments, without payment protection and with a 3 month repayment holiday at the start of the loan, this would amount to £201.14 per month, total amount payable £12,068.40

Protect your payments

Optional Payment Protection gives you the reassurance that your repayments are covered should you be unable to work due to illness, accident, involuntary unemployment or loss of life. (Subject to terms and conditions.)

Customers who do not meet our normal lending criteria may be offered a loan at a different APR. This will depend on your personal circumstances.

* Please note that interest is chargeable throughout the full loan term including the 3 month deferred period.

Credit available subject to status to UK residents aged 18 and over. These rates are for new customers

Find out more or apply for a Marks and Spencer Loan

Calculations are approximate and should only be considered a rough guide. Your actual repayment amount will be set by the lender. Your rate depends on your personal circumstances.

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