Marks & Spencer loan calculator

Use our Marks & Spencer loans calculator to see how much you'll pay back on an M&S personal loan.

Table: sorted by representative APR, promoted deals first
1 - 2 of 2
Product Finder Score Total Payable Monthly Repayment Representative APR
M&S Bank logo
Finder score
Not yet rated
Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.
Check eligibilityView details
M&S Bank logo
Finder score
Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.
Check eligibilityView details
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Finder Score for unsecured loans

To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

We’ve based our calculator on its advertised representative APR, but it’s important to note that M&S Bank is only obliged to offer this rate to 51% of its customers – the actual rate you’re offered will depend on its assessment of your circumstances.

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

How do M&S Bank loans compare against the competition?

Table: sorted by representative APR, promoted deals first

Before you take out a personal loan, it’s smart to read up and shop around. You can use the table below to see how much the loan you have in mind cost cost with a range of lenders.

1 - 15 of 15
Product Finder Score Total Payable Monthly Repayment Representative APR
M&S Bank logo
Finder score
Not yet rated
Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.
Check eligibilityView details
Novuna Personal Finance logo
Finder score
Representative Example: Representative 6.5% APR fixed. Based on a loan of £7,500 for 60 months at 6.5% p.a. Total £8,765.40 repayable at £146.09 per month.
Check eligibilityView details
My Community Bank logo
Finder score
Representative Example: Representative 31.6% APR fixed. Based on a loan of £3,000 for 24 months at 27.8% p.a. Total £3,493.77 repayable at £164.32 per month.
Check eligibilityView details
M&S Bank Personal Loan eligibility
M&S Bank logo
Finder score
Not yet rated
Check eligibilityView details
HSBC logo
Finder score
Not yet rated
Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661.05 repayable at £194.35 per month.
Check eligibilityView details
Fluro logo
Finder score
Representative Example: Representative 17.9% APR fixed. Based on a loan of £7,500 and £250 arrangement fee for 48 months at 15.8% p.a. Total £10,309.78 repayable at £214.79 per month.
Check eligibilityView details
M&S Bank logo
Finder score
Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.9% p.a. Total £11,529 repayable at £192.15 per month.
Check eligibilityView details
Barclays Existing Current Account Loan
Barclays Bank logo
Finder score
Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 60 months at 6.4% p.a. Total £11,661 repayable at £194.35 per month.
View details
Plend logo
Finder score
Representative example: Borrow £8,000 over 48 months at a rate of 16.66% p.a. (fixed). Representative APR 17.99% and total payable £11,013.12 in monthly repayments of £229.44.
View details
Tesco Bank logo
Finder score
Representative Example: Representative 6.3% APR fixed. Based on a loan of £10,000 for 60 months at 6.3% p.a. Total £11,634.60 repayable at £193.91 per month.
View details
Tesco Bank logo
Finder score
Representative Example: Representative 5.9% APR fixed. Based on a loan of £10,000 for 60 months at 5.75% p.a. Total £11,529 repayable at £192.15 per month.
View details
Lendwise logo
Finder score
Representative APR 10% (fixed).
View details
Zopa logo
Finder score
Representative Example: Representative 22.9% APR fixed. Based on a loan of £10,000 for 60 months at 22.9% p.a. Total £16,164 repayable at £269.4 per month.
View details
Lloyds Bank logo
Finder score
Representative Example: Representative 6.4% APR fixed. Based on a loan of £10,000 for 48 months at 6.22% p.a. Total £11,321.28 repayable at £235.86 per month.
View details
thinkmoney logo
Finder score
Representative example: If you borrow £29,100 over 12 years, initially on a fixed rate for 5 years at 8.885% and for the remaining 7 years on the Lender's standard variable rate of 9.285%, you would make 60 monthly payments of £375.53 and 84 monthly payments of £380.29.
View details
loading

Finder Score for unsecured loans

To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology
Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

M&S Bank customer reviews

In our 2025 customer satisfaction survey, 73% of customers said they’d recommend M&S Bank to a friend.

Customers in our survey commented positively on M&S Bank’s overall service. One commented :”Very competitive and easy to access my loan information via the banking app”. Another commented that it was “easy to apply and receive funds”.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Written by

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise
Chris has written 558 Finder guides across topics including:
  • Loans & credit cards
  • Building credit
  • Financial health
  • Share trading

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