Before you start your application for the M&S Personal Loan, make sure you have everything to hand. These are the main requirements and the step-by-step guide to applying on the official website.
Apply on the official website →
Read the requirements and steps below first, so you can complete your application on the official website in one go.
Applying online usually takes around 10 minutes. Have your bank details and income information to hand.
Documents ready = faster decision
Apply onlineTerms up to 7 yearsFixed monthly payments
📋 Requirements
- Age: You must be aged 18 or over.
- Residency: You must be a UK resident.
- Income: You need an annual income of at least £10,000 and must be able to afford the repayments.
- Credit check: A full credit check is carried out if you go ahead with an application.
- ID and bank account: You will need a UK bank account for repayments by Direct Debit and to pass identity checks.
🚀 How to apply, step by step
- Check your eligibility on the official website using a soft search that does not affect your credit score
- Choose how much you want to borrow and over how long to see your personalised rate
- Complete the application with your personal, employment and income details
- If approved, review and sign the credit agreement and receive the money in your bank account
Approval and the rate offered depend on M&S Bank's credit and affordability checks; your rate may differ from the representative APR.
Apply now on the official website →
General information only, not financial advice. Credit is subject to status and affordability checks by M&S Bank (Marks & Spencer Financial Services plc). Borrow only what you can afford to repay.