Get The Cheapest Loan Deal

Notes: You must be at least 20 years old, with an annual income of at least £12,000 & have a good credit history / no CCJ's.

Representative Example: A loan of 10,000 over 5 years will cost you £182.10 per month at 3.6% APR. The total cost after 5 years is £10,925.93, which includes £775.93 interest at 3.0% fixed and a £150.00 fee. The total amount of credit is £10,150.00.

Notes: To apply for an M&S Loan, you must have an annual income of at least £10,000, be a UK resident and be aged 18 or over.

Representative Example: The Representative APR is 3.6% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 3.6% p.a (fixed) you will repay £136.57 per month & £8,194.20 in total.

Notes: An instant decision when you apply online. Eligible customers can apply for a two month payment break (T&C's apply).

Representative Example: The Representative APR is 3.7% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 3.7% p.a (fixed) you will repay £224.18 per month & £10,760.64 in total.

Notes: An instant decision when you apply online. Eligible customers can apply for a two month payment break (T&C's apply).

Representative Example: The Representative APR is 3.8% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 3.8% p.a (fixed) you will repay £224.61 per month & £10,781.28 in total.

Notes: Rates depend on circumstances and loan amount. Available to existing customers only.

Representative Example: The Representative APR is 4.9% APR (fixed) so if you borrow £7,500 over 5 years at a rate of 4.9% p.a (fixed) you will repay £140.81 per month & £8,448.60 in total.