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Marks & Spencer loan calculator

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

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Chris Lilly

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Marks and Spencer loan calculator

Table: sorted by representative APR, promoted deals first
1 - 2 of 2
Name Product Total Payable Monthly Repayment Representative APR Link
M&S Bank Personal Loan eligibility
M&S Bank Personal Loan eligibility
Check eligibility
View details
M&S Bank Personal Loan
M&S Bank Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 4.9% p.a. (fixed). Representative APR 4.9% and total payable £10,756.08 in monthly repayments of £298.78.
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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 - 13 of 13
Name Product Total Payable Monthly Repayment Representative APR Link
M&S Bank Personal Loan
M&S Bank Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 4.9% p.a. (fixed). Representative APR 4.9% and total payable £10,756.08 in monthly repayments of £298.78.
M&S Bank Personal Loan eligibility
M&S Bank Personal Loan eligibility
Check eligibility
View details
Novuna Personal Loan
Novuna Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.4% p.a. (fixed). Representative APR 6.4% and total payable £10,987.56 in monthly repayments of £305.21.
Fluro (formerly Lending Works) Personal Loan
Fluro (formerly Lending Works) Personal Loan
Check eligibility
View details
Representative Example: Assumed borrowing of £7,500.00 over 48 months at 16.9% APR representative. Monthly cost of £211.47. Total amount repayable of £10,150.38. Interest rate of 15.7% p.a.(fixed) and total fees of £150.00. Available for loan amounts between £5,000 - £25,000.
My Community Bank Personal Loan
My Community Bank Personal Loan
Check eligibility
View details
Representative example: Borrow £6,000.00 over 4 years at a rate of 18.85% p.a. (fixed). Representative APR 18.85% and total payable £8,335.00 in monthly repayments of £173.64.
Zopa Personal Loan
Zopa Personal Loan
View details
Representative example: Borrow £1,500.00 over 3 years at a rate of 19.9% p.a. (fixed). Representative APR 19.9% and total payable £1,959.84 in monthly repayments of £54.44.
Tesco Bank Personal Loan
Finder Award
Tesco Bank Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 5.3% p.a. (fixed). Representative APR 5.3% and total payable £10,817.64 in monthly repayments of £300.49.
Lendwise
Lendwise
View details
Plend personal loan
Plend personal loan
View details
Barclays Bank Existing Current Account Customer Barclayloan
Barclays Bank Existing Current Account Customer Barclayloan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 8.9% p.a. (fixed). Representative APR 8.9% and total payable £11,373.48 in monthly repayments of £315.93.
Lloyds Bank Existing Customer Personal Loan
Lloyds Bank Existing Customer Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 5.9% p.a. (fixed). Representative APR 5.9% and total payable £10,910.52 in monthly repayments of £303.07.
Tesco Bank Clubcard Personal Loan
Finder Award
Tesco Bank Clubcard Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 4.9% p.a. (fixed). Representative APR 4.9% and total payable £10,756.08 in monthly repayments of £298.78.
Vanquis Bank Personal Loan
Vanquis Bank Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 22.3% p.a. (fixed). Representative APR 22.3% and total payable £13,433.76 in monthly repayments of £373.16.
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Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
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.

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