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Low Monthly payments
You can borrow up to £100,000.
Spread your payments out and make them more affordable. Repayment periods from 3-30 years.
Arrears, CCJ's or bad credit? No problem - All Accepted.
Borrow up to 90% of your home's value.
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Many of us have enjoyed quality Marks & Spencer apparel and grocery items for years. How did it all start? In 1884, Michael Marks, an immigrant to Great Britain, first opened a retailer stall at Kirkgate Market in Leeds, North Yorkshire. Within time, Marks created a partnership with a former cashier named Tom Spencer. As the saying goes, the rest is history. Today, Marks & Spencer has over 700 stores worldwide, and is striving to become the UK’s top retailer. 

Marks & Spencer also has a financial services division, which was founded in 1985. Today, Marks & Spencer Money is a major player in financial services, offering a wide variety of products in the financial sector, such as marks and spencer loans. Personal Loans are one of Mark & Spencer’s premiere financial products. They are ideal for any extra financial needs that you have. Perhaps you want to make an investment, such as home improvements or a college education for your child. Or maybe you need to pamper yourself with a getaway vacation. In any case, Marks & Spencer’s Personal Loan includes an array of features and benefits:

l    An 8.9% Annual Percentage Rate (APR) typical for loans ranging from £7,500-£25,000

l    Fixed rates for the loan’s entire term

l    Deferred repayments for the first 3 months of the loan’s term.

l    Payment Protection Insurance. This covers repayments in the case of involuntary unemployment, accidents, illnesses, etc. Payment Protection Insurance works when you cannot. On your behalf, Marks & Spencer covers the monthly repayments for a fixed time period. However, you should remember that both limitations and exclusions apply.  For instance, you must be 18-65 years of age, in order to take out Payment Protection.

Answers for questions

You may have some questions about how Marks & Spencer Personal Loans works. Before applying, you should note some restrictions in regards to the Personal Loans. Applicants must be at least 18-years-old, and be residents of the UK as well.

Marks & Spencer typically provides a decision about your loan application, within 48 hours of receiving it. Then, upon approval of your application and receiving your agreement that you have signed, Marks & Spencer strives to transfer the funds to your bank within 3 working days.

Your first repayment on the loan will be due during the third month after the funds for the loan were transferred to you.

Dealing with debt

Another important issue is related to your inability to make your repayments. Fortunately, representatives at Marks & Spencer are more than willing to help you solve any problems related to that. Here are some general tips for dealing with debt:

1. Deal with debt. For example, do NOT avoid bills that you receive through post. 

2. If you have problems making your repayments, contact your lender immediately. For example, if your financial situation will change soon, you should inform Marks & Spencer. They have professional specialists who are trained to deal with such situations.

3. Create a practical budget and determine where you can increase your income or reduce unnecessary spending.

4. Create a solution with your lender. You may need to take certain steps, such as rescheduling your repayments.