M&S Bank Personal Loan

Marks & Spencer's banking arm offered personal loans with competitive rates. Product discontinued — M&S Bank no longer offers personal loans.

Last checked on May 18, 2026. We may earn a commission when you click through.

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The M&S Bank Personal Loan has been discontinued, limiting options for potential borrowers.

✓ Previously competitive APRs ✓ Flexible loan terms ✓ Quick approval process
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Personal M&S Bank

M&S Bank Personal Loan

Updated 1 hour ago

At a Glance

Representative APR

6.0–19.9%

Loan Amount

£1,000–£25,000

Term

12–60 mo

Decision

Same day

No impact on your credit score Check eligibility →

You'll be redirected to bank.marksandspencer.com

Eligibility Requirements

UK resident
18+
M&S Rewards card for bonus points

About this loan

Marks & Spencer's banking arm offered personal loans with competitive rates. Product discontinued — M&S Bank no longer offers personal loans.

Our Verdict

The M&S Bank Personal Loan has been discontinued, limiting options for potential borrowers.

Best For

This loan was suitable for those seeking competitive rates and flexible loan terms.

Watch Out

With the discontinuation of this product, borrowers need to explore alternatives for personal loans.

What Customers Say

Customer feedback on M&S Bank loans was generally positive before discontinuation, particularly regarding their service.

Expert Analysis

The M&S Bank Personal Loan previously offered an APR range from 6.0% to 19.9%, which made it appealing for many borrowers. Loans could be taken out from £1,000 to £25,000 over terms of 12 to 60 months. Unfortunately, as of May 9, 2026, M&S Bank stopped offering personal loans altogether. This means potential customers must now seek out other lenders for similar financial products.

For those who previously relied on M&S Bank for personal loans, the absence of this option may complicate access to quick financing. Alternatives like Barclays or Lloyds could provide similar loan structures, but rates and terms will vary significantly. It's essential for borrowers to compare offers to find the best fit for their needs.

M&S Bank's discontinuation of personal loans reflects a broader trend in the banking sector, where many institutions are reassessing their lending portfolios. Borrowers are encouraged to investigate other providers that might offer competitive rates and reliable customer service. Always check the official site for the latest updates on available products and terms.

Check eligibility →

You'll be redirected to bank.marksandspencer.com

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

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