An M&S Bank personal loan for buying a car, with fixed repayments over 12 to 84 months and free overpayments.
With a fixed rate and fixed monthly repayments, you know exactly what you will pay each month and when the loan will be cleared.
Compare the representative APR, the total amount repayable and any fees before you decide.
Benefits of the M&S Car Loan
- Own the car outright: The car is yours from the start.
- Fixed monthly repayments: Your interest rate and repayments stay the same for the whole term.
- Free overpayments: Overpayments are free of charge, lowering the interest you pay.
- Check before you apply: An eligibility check uses a soft search, so it does not affect your credit score.
- Unsecured borrowing: The loan is not secured against your home or other assets.
| Feature | Detail |
|---|---|
| Loan amount | £1,000 to £30,000 |
| Term | 12–84 months |
| Representative APR | Varies by amount and term – see the M&S Bank rates table |
| Eligibility | UK residents aged 18+ with an annual income of at least £10,000 |
| How to apply | Online via the official website |
Key features
Own the car outright: The car is yours from the start.
Fixed monthly repayments: Your interest rate and repayments stay the same for the whole term.
Free overpayments: Overpayments are free of charge, lowering the interest you pay.
About M&S Bank (Marks & Spencer Financial Services plc)
M&S Bank (Marks & Spencer Financial Services plc) is an established UK provider of personal finance products, authorised and regulated in the UK. Applying is straightforward and mostly online.
We compare independently and then send you to the provider’s official website to apply. We are not a lender or credit broker.
All rates depend on your circumstances and are subject to status. Representative examples and final terms are set by M&S Bank (Marks & Spencer Financial Services plc).