M&S Bank

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Company Information

Aside from being one of the biggest retail names on the UK high street, Marks & Spencer (marksandspencer.com) has also become a major player in the financial market. Since its establishment in 1985 as Marks & Spencer Financial Services, M&S has developed its banking and lending services to become a popular alternative to traditional retail banks amongst many customers. Marks & Spencer Money was sold to HSBC in 2004 and is now known as M&S Bank, which provides a range of financial services, from current accounts to credit cards, insurance and loans.

APPLICATION REQUIREMENTS:

You must be aged 18 or over, have an annual income of at least £10,000 and be a UK resident to apply for a loan from M&S Bank. Customers who do not meet the normal lending criteria may be offered a loan at a different APR, however this will depend on each customers personal circumstances.

LOAN AMOUNT AND CHARGES:

M&S Bank has a range of flexible personal loans on offer to its customers, with two separate deals available for M&S cardholders and non cardholders. Customers who already have a M&S store card can access exclusive deals and offers on personal loans, including a potential 4.1% APR representative for qualifying applicants on loans between £7,500 and £15,000, repaid over 12 to 60 months.

The M&S personal loan can be used for whatever purpose you like, whether that’s taking a sunny holiday or paying for your wedding. The amount that you can borrow at one time ranges from £1,000 up to £25,000, and repayment can be spread from one year up to five years.

PROCESS:

Customers can apply for a personal loan from M&S Bank by phone or online for an immediate decision. There are no hidden charges and no arrangement or set-up fees.  There is also the option for customers to apply for a three month payment deferment at the start of their loan, allowing them some breathing room before repayments begin on the loan. If you do decide to take a three month payment break, interest will still be charged on the loan for the months you take off.

PAYMENT:

M&S Bank aim to contact you with a credit decision within 48 hours of application. If you’re accepted they will then send you an agreement form to sign and return. Once they have received this, the money should be in your bank account in three days.

295 Reviews of M&S Bank

I love M&S and do all my clothes shopping there so when I saw that they had lots of different banking and financial products available as well as their retail chain and lovely supermarkets I decided to have a look and see if there was anything that would benefit me. I had been thinking of taking a loan out for quite a while now because I had some improvements I wanted to make on my home and I wanted to get some nice new furniture to replace my old tatty stuff that had been filling up my home for years.I’ve had a M&S store credit card for a couple of years now which I love using to do all of my food and clothing shops because I collect lots of extra points and get it back in vouchers at the end of the year which I can use to buy gifts or treat myself. I found out by looking on the M&S Bank website that as a card holder I was entitled to special rates on M&S loans. I thought this could be my perfect chance to do these improvements and new decorating jobs that I’d been waiting for ages to do, so I applied online straight away.I couldn’t believe how great the interest rate I was offered was- just 4.5% APR on my £8,000 loan, and I could repay it over three years. I had the option of spreading the payments out for longer which I decided not to take because I didn’t want to be in debt to M&S for too long, but it was nice to have the option that comes with this sort of flexible loan. I felt like I was in control of the loan terms and could make it suit me and my circumstances perfectly!The money arrived in my account that week and I got started on my big decorating and renovating project! I’m so pleased to find yet another great product from M&S.

Review posted by Janet Freedman

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You usually think of food or underwear when you think of M and S, but you need to start thinking of them for loans and other financial products because they offer a great service. I went to them after doing a bit of research and picked them because I have an M and S store card. I’m really glad I did. I got some great benefits from being a store card holder- a much lower interest rate for starters-and I knew they would be good to deal with as they had been before. I was right. They were efficient, clear and speedy in their service. I applied online, got a nearly instantaneous decision, but had a few queries so phoned their phone line which couldn’t have been more helpful. I even managed to get a 3 month holiday at the start of the loan to get myself sorted out a bit before the repayments started. The money was in my account in a few days too, which meant I could start on the home improvements much sooner than I thought possible. There’s no limit on what you use it for and as I’ve got a fairly good income, it didn’t matter that they need you to have an annual income of over £10,000. I can’t recommend them highly enough. They offer a great service. It’s not just a loan, it’s an M and S loan!

Review posted by Kiera Daniels

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Choosing a personal loans company to suit your needs is not always the easiest job in the world. There are so many financial institutions out there who are willing to help you. The choice that you make depends mainly on what it is that you need the loan for, how much you need, the interest rate that they have to offer and how long you need to repay the loan. It can sometimes be a difficult choice to make, which is why you need to take time to consider your options before jumping into things. So, there I was wondering how on earth I would find the money to pay for everything for the wedding. There was only three months to go until the big day and had started to panic, mainly because I had promised my future wife the best day of her life. It is not like you can really postpone your own wedding once the date has been set and the venue has been booked! I did already have some cash saved up, but I desperately needed another 8 or so thousand pounds to cover all the expenses that would make the day something to remember for years to come. It was at this time that I decided to check online for personal loan companies who may be able to help me. I came across M&S and decided to give it a go. I applied online and within hours, I was told what other documentation to send through to them. I did so and was approved within 24 hours. I could not believe my good fortune and the super low interest rate they had given me. I could now give my darling the perfect day and it would only take me three years to pay off the loan. Well, we did get married and the day turned out exactly as I had planned. I could never have made this dream come true without the help of Marks and Spencer. We are now expecting our first child and we will definitely be using M&S for our future needs.

Review posted by Harrison Talbot

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M&S Bank is yet another great service that this company offers. Their rates are competitive, starting at 4.1% APR. However, a medium, middle of the road amount to loan, like £5000 may have a larger amount of APR. The company offers a minimum period of 12 months and a maximum period of 60 month, which is hugely competitive and very similar to most other companies that offer similar types of loans.This company is also hugely flexible in terms of the amount of time to pay the loan back for. You can stretch the length of the loan over a longer period of time than a normal loan would offer you if you feel you are struggling to meet each monthly payment. The loan is easy to apply for online and the money will most definitely be in your account within a week after you apply online, which could not be easier.This loan is unique in the fact that if you use M&S for your shopping, you will get special rates which are better when it comes to taking a loan out with M&S bank. This is great for people who shop there and have a loyalty card with the company.

Review posted by Samuel Holmes

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I've held an M&S store card for years and finally took up the option to apply for a personal loan with them. I was amazed by the excellent service and speedy response to my loan application! My storecard history meant I was allowed a loan at the low interest rate of 4.1 percent and within a few days of getting approved for my loan I received the cheque in the post. I did start to complete my loan application online, but called the freephone telephone number when I had a problem with one of the questions. Debbie, my customer service agent, answered my query and suggested I complete the application on the telephone instead. I was happy to do this, as I am not so very computer literate. Debbie had the patience to deal with all my questions about the loan and application process and she seemed to as happy as me when her computer system confirmed that my loan application had been approved. She offered me the option to take a three month repayment holiday at the very start of the loan and this was very appealing to me, so I accepted. I received my cheque in the mail a few days later and did not have to make any repayments at all for three months. This gave me time to finish all the refurbishments on my property and take a much needed holiday. I've got nothing but praise for M&S Bank, the loan application process was simple, the payment was received quickly and I managed to benefit from a three month repayment holiday. I will definitely use this service again in the future.

Review posted by Laura Bryan

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M & S Bank matches both Tesco Bank and Sainsbury’s by offering a lending rate of 4.1% representative APR for loans of £1,000 to £25,000. A higher APR rate is attached to loans taken out below a certain threshold, as the more you borrow the less the APR rate. Loans can be taken out over a period of 12 to 60 months, dependant on an individual’s personal circumstances. If you borrowed £5,000 over a period of 36 months, then monthly repayments would be £150.67 and the total amount payable would be £5424.12. However, the representative APR rate would be 5.5% because of the amount borrowed. M & S Bank have established themselves as one of the leading lenders and have Recently, the leading supermarkets seem to be dominating the loan market by offering the most competitive rates, which normal high street banks are failing to match. M & S Bank are definitely a lender to consider if you looking for a competitive loan rate. Moreover, if you have an M & S credit card, then you can accumulate points, which can lead to money off food shops. These benefits may be the deciding factor for customers who are pondering over which loan company to choose. Customers are looking for extras and M & S bank definitely have offers to entice potential borrowers.

Review posted by George Bibi

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Having been a loyal M&S customer for my weekly food shop for well over 20 years, I decided to apply with them when I needed a loan to get a new car.If you have a store card, which I don't, you are entitled to special rates, and although this was a bit disappointing, the rates were still good anyway, especially the interest. Although I am not particularly savvy with a computer, I applied for the loan on a weekday evening and had a reply by the following lunchtime to say I had been accepted at the representative rate.I am not someone who applies for a lot of credit or has had a lot of loans, so I was expecting the process to be a lot longer and drawn out than it actually was, and with the incredible service of both M&S bank and the garage I bought the car from, a week and a half later I was driving round in my brand new car.M&S have always been a great company to deal with, although if you were looking for a loan I would recommend taking out a store card first and seeing if you can maybe be a bit cheeky and get the lower rate.

Review posted by Billy Woodward

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I got my M&S loan seemingly out of the blue, but the offer was so good that I couldn’t resist. I was buying dress clothes for a new job I was starting and I also noticed that they had a lounge-room set in leather that I had picked out with my husband earlier as a good option to replace our beaten-up couch set we had had for 10 years.They gave us the loan in-store and we were able to pay for our new couch as well as the clothes I was buying. They have a great rate of 4.1% and the best thing about the loan is that we don’t even have to pay it back for the first three months! We had to fill out some additional forms for this, but it was well worth it since I’m going to be saving for a few months with the new job. We also got an M&S card that we can now get points with and discounts on other products and services.Overall, I can recommend their services to anyone who regularly shops there or who wants a loan they can use in stores and shops without the hassle of having to deal with a bank. They are well worth it!

Review posted by Bethany Pugh

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Early this year, I wanted to buy a car. Unfortunately, my bank's annual percentage rate is quite high. I, therefore, decided to shop around for banks with low APR. I was instantly attracted to M & S's 8.6%. Since my credit rating was excellent, I was led to believe I would be eligible for the 8.6% APR like most of the bank's customers. It was to my great surprise when they slapped me with a whopping 12.8% APR. I couldn't understand why they had done that despite having made me believe that I would qualify for the cheaper 8.6% one on grounds of my excellent credit rating. Their explanation was that since I was not a customer of M&S I could not qualify for the 8.6% APR; only customers could qualify for it. I was so angry at this lack of honesty. Unfortunately, that was not the only piece of bad news I got from M & S. They caused my credit rating to reduce from excellent to fair. This has greatly hindered my ability to access credit in other financial institutions. I wouldn't recommend any non-customer to M&S for personal loans. I don't about the customers of the bank but they are definitely not an honest bank. What they write about themselves is not what you get when you go to them.

Review posted by Bradley Watson

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Previously Mark & Spencer Financial Services, this lender became M&S Bank after the buyout by HSBC in 2004. The lender has several flexible personal loans, which the clients can choose from, depending on their needs. These loans are categorised into two groups, with one group being for M&S cardholders and the other one being for non cardholders. They have a way of rewarding their existing clients who have M&S Store Cards, where they give them exclusive deals and some offers on their loans.The loan’s representative APR is only 4.1% for those qualifying for a loan, which falls between £7,500 and £15,000. The repayment period is quite good and favourable to many people who can pay within 1 to 5 years. The amounts available to borrow are £1,000 to £25,000, with a rate determined according to the individual client. This loan beats others on the repayment holiday, which they offer prior to commencement of repaying the loan. This is the perfect loan for someone who is going through a hard time at the moment and wants to get his or her finances in order. The holiday is for 3 months, but the rate will still be charged on this period. It is not a must to take this break so if you don’t want it, you don’t take it.To qualify for M&S Bank personal loans, you must be at least 18 years old and earning at least £10,000 per year. Being a resident of UK is a must to be approved for this loan. You can call M&S Bank representative to get immediate decision or apply for the loan online.

Review posted by Owen Mason

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Marks and Sparks seemed like an odd choice for me as a loan provider. They seem like a higher-end supermarket, and I guess I also expected them to be more pricey in terms of interest. I had been recommended by a friend though and didn't really have any feedback about other providers.To be honest, it was more of a lifestyle-loan than an essential one. We hadn't taken a holiday in two years and we really wanted one. I knew that the repayments wouldn't be a problem but we just didn't have the lump-sum of cash to hand that we required to make the booking.Obviously, we considered options. We checked a few rate calculators and M&S were at least favourable. The good reputation of the company on the whole swayed it though. I think you expect quality of service with them and that proved to be the case. Maybe the fact that they are not thought of as a bank was a factor in my mind. I do have a slightly tarnished image of banks as a source of loans.As expected though, they provided a quality service and we had a lovely holiday which will be paid for in full and in time for next year’s trip!

Review posted by Aaron Ryan

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For me just the name M&S I associate with quality, of course I had dealt with them through their high street stores previously but never as a bank, I can safely say now that through my experience with my personal loan that the same kind of association can be applied. I've been around the block a few times when it comes to loan providers and I've had my fair share of good and bad experiences, learning from those experiences I feel I now know how to spot a good deal. It's not just about the rates and the repayment terms. I have been hit with unexpected charges and 'hidden' small print in the past, it's about transparency and reputation, for me it's critical to know that I have full confidence in my provider.My application process with M&S couldn't have gone any better, all the information was displayed clearly and I feel fully informed on every aspect of my loan from payment dates to APR. I was also pleased to learn that the parent company for M&S bank is the HSBC, with whom I've happily banked with for many years, after being offered a great deal and enjoying a rewarding experience I feel as if I've found a provider I trust and work with me rather than against me.

Review posted by Jessica Hargreaves

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Sainsbury's offers payment holidays and customers have the option of making extra payments. Sainsbury's does not accept applications from people who are under the age of 18. Sainsbury's is known for their high standard of service and work hard to process applications and address complaints in a timely manner. Sainsbury's customer service representatives may be contacted through their Careline. Sainsbury's is flexible and is open on weekends to serve you. The financial institution offers several options to consumers who want to apply for a loan, including: Online applications Applications by phone- calls from landlines are free Consumers who already have a loan from this financial institution may borrow more once they meet specific criteria. All monthly payments are for the same fixed amount. You will never have to worry about suddenly having to pay more than you did initially. Sainsbury's fees for late payments are higher than those of some other loan providers. If you miss a payment you will be charged £25. The missed payment will also be registered and may affect your credit score. Sainsbury's personal loans start at £1,000 and go up to £25,000, so you can get just the right loan to meet your needs. Their representatives are known for being friendly and will guide you through the process of applying for a loan and answer any questions you may have.

Review posted by Oscar Parkin

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Marks and Spencer Bank does not charge set-up fees or hide any of their charges. You can defer repayment if you choose for up to three months but this is not advisable since your loan will continue to accumulate interest during that time. Customer Service at this bank is good and if you are a homeowner over the age of 18 you will be able to apply for a personal loan. You may also apply if you are over 30. Your monthly payments are fixed and the term of your loan may be for up to 60 months. At 3.9% APR, this lender has one of the lowest personal loan rates available. Marks and Spencer Bank sometimes gives preferential rates to customers in the following categories: Current cardholders Owners of a personal account Current loan customers Their maximum loan term is less than the 120 months which is offered by several other financial institutions. They also do not sell loan protection insurance so if you become ill or lose your job and are unable to make payments, there will not be any coverage to help you. M&S Bank's customer service and the fact that they have one of the best rates for personal loans in the UK make them an excellent option for consumers who need to borrow money.

Review posted by Louie Chamberlain

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My mum has been very supportive of me since the passing of my husband. And because neither myself nor my mother have had a holiday in so many years I thought it would be a very nice treat for the both of us. Obviously, I didn't have the funds available to make this dream come true and that's where I turned to an unsecured personal loan from M&S. I was a little confused over various rate and repayments so I called their customer service operatives to actually speak to someone about how these types of loans work. They were very helpful and fully explained everything in detail. Knowing every little detail now I felt very confident in actually applying for and processing the loan application. I couldn't have chosen a better place to get my loan from. I borrowed £3000 and got a better than expected rate of 8.2%. Even though it will take a year to pay off this loan, it could never beat the memories of our dream holiday. My mum and myself thanks Marks & Spencer so much for giving us both a long overdue and a holiday of a lifetime. Great customer support and a service that was second to none, I will definitely recommend personal loans from M&S and even use them again in the future.

Review posted by Billy Browne

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Having been offering financial products for almost 30 years, M&S Bank, despite their supermarkets being at the more expensive end of the market, their loans are actually very competitively priced. Their APR is comparible to many other high street lenders, and if you're already a credit card holder, you can wangle better deals, like lower APR and potentially a higher loan amount than a non card holder. Their customer service is reported as being second to none, with friendly, helpful and knowledgeable staff. What sets M&S Bank apart from a lot of other lenders is that they don't have restrictions on what you can use the loan for; it's your choice, so it can consolidate other loans, help put a deposit down on a car, or take the family away on holiday. Many other providers will ask for the reason for the loan and then make a decision. Additionally, M&S offer a rare benefit in the form of the ability to take a 'payment break' of up to three months at a time; perfect if you fall into debt, lose your job or suddenly find yourself with unexpected monthly costs. The only downside is that you stil get charged interest on those three months; however, this facility alone makes M&S Bank a worthy choice.

Review posted by Hayden Walton

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I am Julian. Before I applied for a home improvement loan from M&S bank, I was a cardholder. This made things easier for me because as a cardholder, I was entitled to a preferential rated offered for their customers. Even non-cardholders still benefit from their competitive rate. The application process was simple. I applied online for a loan of £15000. I got the loan at the best rate offered by any other lending institutions in this country. The loan was offered to me at 5.5% APR, with a repayment period of 60 months. The customer care service of the bank was perfect. I have one hundred percent values for the money I borrowed from them. As a customer of the bank, I receive frequent information from them about new deals whenever it is available.Even if there is a change in their terms and conditions, the bank promptly informs me. I love the fact that there are no hidden charges in their loans and the statement I received from them is very clear. I will continue to do business with this bank and recommend them to other people looking for the best favourable personal loans. You will receive the money to your bank account a few days after signing and submitting the application processes. You will get some benefits as a customer.As a non-customer, you will get the loan facility from M&S at the most competitive rate.

Review posted by Danielle Hardy

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I recently got a direct mail through the post from M&S Bank to apply for a loan. I called the number and told the advisor that I wanted £2.500 for a car. She almost put the phone down on me. She said that it is possible to get the loan, but it will not be the advertised rate of 3.9 percent. She quoted me a ridiculous amount. When I asked why the rate and repayment was different, I was told that I had to be applying for at least £7.500 and be over 30 and a homeowner. I believe that the company should advertise this criteria better. When I looked at the letter I saw that there was a small print that was hardly visible to read that stated the criteria. I think the company is misleading in advertising. I went to my bank instead, and got a much better rate for my loan than what Marks and Spencer offered. What they do is unethical and should be investigated. They try to trick customers into accepting a higher rate than the advertised. I would like to see how many people get the “advertised” rate overall.

Review posted by Jordan Howard

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I was attracted to this loan by a rather appealing 3.8% interest rate on a 15k loan. Yet despite having a perfect credit rating and no issues before getting any credit at advertised amount , I was only offered an insulting 6.8%. This works out to an additional £1,800, in interest payments for the duration of the loan period. I was provided with no satisfactory reason for this. I obviously told them to cancel. I just hope it doesn't affect any future applications. My advice? Use with caution unless you want to be stitched up with an unsatisfactory interest rate, with no explanation as to why.

Review posted by Paul Wilds

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Like others, I was attracted by a 3.6% APR loan offer. Despite having an excellent credit rating and being an existing M&S customer I recieved the confirmation that my application was successful only to find the loan agreement paperwork arrive through the post at 6.6% APR. Clearly sharp practice by M&S in order to take advantage of individuals requiring loans. At no time did M&S point out the rate being offered was higher than that advertised, you had to search in the small print of the loan agreement for the actual APR. I do worry for those people not checking the small print when the promise of money next day is made. Needless to say the loan was declined. I am sure M&S would point to another section of the small print saying they were free to offer alternate rates to customers if they wished but they did not. 3.6% APR was a very good rate , only it was too good to be true.

Review posted by Peter S

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As a UK resident living in the Algarve, life turned out to be worth living again, far away from the fog and rain. Many years ago when I bought an old quinta (farmhouse) I didn't do much with it yet, saving it for later times. But a couple of years ago as time ripened I decided to start working on it, replacing a bad roof, etc. etc. Now, 5 years later the garden needed to be done, removing useless fig- and almond trees and replacing them with more ambient, flowering trees and plants. This costed some serious money as garden centers are rare in this province, maybe 3 or 4.I estimated a budget in the range of 15000 quid which includes a swimming pool, terraces and a veranda, grass and for the purchase of some mature trees.All in all it wasn't a big deal. I called the Marks & Spencer Bank by Skype. They were able to come up with a quick decision. Good I'm still a UK resident, as within 3 working days my loan got approved and I could move along, thanks to them I must say. Most probably there are other, maybe better of such financial 'supermarket' institutions but what counted for me is certainty, no hustle and no hidden fees. In this case M&S Bank was nr. 1.

Review posted by Damon F.

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As a regular M&S shopper I can recommend this business very much, especially since they went into the finance sector. Loans, more particular spoken.I go for doing my businesses the regular way with well-established firms which system is less risky. I don't have to take care for fluctuations of their market shares, or a eventual risk of bankruptcy within a short range of time.So when I needed to borrow some money for a car finance I didn't hesitate at all and dialed the M&S Customer Center requesting for a loan which was approved the very same day. How convenient to be the owner of a M&S store card!I didn't opt for the 3 month payment deferment as my wages allow me to have some space every month which I used to pay off the loan earlier that was calculated. The only disadvantage was the extra interest I paid because of that. No reason for me to change to another bank because I don't know what I get.

Review posted by Charles E. Flynn

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When my wife said she was thinking of taking out a personal loan with Marks and Spencer to pay for some home improvements I wasn't surprised she had chosen them because she is a big fan of the store and probably 90% of her clothes are from them.As we both work full time and she earns almost as much as I do we always take it in turns when it comes to taking out loans and I might give her advice but the final decision is hers. So she did go ahead with the personal loan from Marks and Spencer but I did point out to her that the loan was technically courtesy of HSBC which was met with a "duh, I knew that!" expression but of course I knew she hadn't realised that until she got around to 'reading the small print' so to speak.Anyway, the loan was a good deal for us both and I am not complaining. Anything that helps keep the wife happy is fine with me.

Review posted by Aidan Foster

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I must admit I don't buy a lot of clothes from Marks and Sparks, as my family like to refer to them, but they are my favourite store for underwear, pj's and of course their ready meals 'dine in for two' offers.So my choice for them as a personal loan company wasn't based on any of the above but simply because after checking several other loan companies online, they were offering the best deal for the requirements I had and their terms and conditions were very straightforward and easy to understand. The fact that were now part of the HSBC group was also reassuring.

Review posted by Jenny Sanders

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My decision to go with M&S Bank for a personal loan was based on several reasons. Firstly, their overall reputation as a High Street store is virtually unblemished after decades of being in business and secondly, as I have been a M&S cardholder for many years it entitled me to a more favourable deal with my loan.The entire process of applying for the loan and getting the approval was done without any hassle or stress on my part and that counts for a lot also. When you know you are entering into a long term contract with a company you want to be comfortable with them and for me that is certainly the case with M&S Bank.

Review posted by Claire Newton

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Me and the wife took out a personal loan with M&S Bank to pay for our daughter's wedding. She met her new husband last year and after a bit of a whirlwind romance they announced they were getting married this month which didn't give me and the wife much time to save up.In all fairness to my daughter, she wasn't expecting us to pay for the wedding but as our only child we wouldn't have it any other way and so that's why we got the loan with M&S and we liked how easy the whole process was as we were able to do most of it over the phone with a bit of help from our daughter when it came to the online stuff as neither the wife or me are very good with typing so the daughter is typing this review for us also.

Review posted by Brian Danvers

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This is our second personal loan with M&S Bank, the first one being last year for a much smaller amount. But because we were really happy with the service we got then we didn't bother looking elsewhere for a loan when we needed to borrow a bigger sum of money for a new kitchen. Saving maybe a few pounds on interest with another company wasn't as important to us as using M&S Bank again because we were comfortable with them and they seemed to appreciate our loyalty to them by explaing how we could make the most of some of their cardholder offers in conjunction with our loan.

Review posted by John Bryant

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My neighbour suggested I try Marks and Spencer for a loan when I told her I wanted to do some home improvements. I had already thought about approaching my bank for a loan but to be honest I am not very confident when it comes to dealing with banks and such. I know technically Marks and Spencer loans are approved by HSBC but I just felt more comfortable dealing with them and once I had got the online application done and M&S approved the loan by telephone I was so relieved and after that the rest of the process went very smoothly. I have my loan and the home improvements are well under way thanks to my neighbours good advice and M&S Bank of course.

Review posted by Enid Clarke

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  • Ease Of Use
  • Value For Money

I work part time for a very well know High Street bank but I still went to M&S Bank when I wanted a personal loan. Being a devotee of anything Marks and Spencer from the clothes right down to their sandwiches I knew I would be happy with my loan from them. I have been a M&S cardholder for over 15 years and that meant my personal loan was even more favourable for me because M&S reward loyal customers in lots of different ways.I'm not saying I wouldn't go to my bank for a future loan but they would have to come up with a better loan package than the one I currently have with M&S.

Review posted by Val Tedbury

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  • Value For Money

My sister in law works for Marks and Spencer and has done for many years. She loves her job and is always praising Marks and Spencer things. So I suppose I shouldn't have been surprised when she recommended a personal loan with them when I said I wanted a small conservatory built.She explained that M&S Bank was actually now owned by HSBC and that their loans are really competitive. So after discussing it with my husband we applied online for the loan and before we knew it M&S had called us to say the loan had been approved. We were very impressed to say the least and my new conservatory is almost finished and my sister in law is going around with a very smug look on her face!

Review posted by Janet Murray

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  • Ease Of Use
  • Value For Money

This is our second loan with M&S Bank, we took out the first one to pay for our 25th wedding anniversary present to each other which was a Mediterranean cruise.This time the loan is for considerably more but as it is to pay for our daughter's wedding its hardly surprising as most people will know how expensive weddings can be nowadays, even my daughters one which she insists is just going to be a small, intimate little celebration but the number of invited guests seems to be rising by the day.My wife and I just want to be sure our daughter's special day is perfect and we are happy to borrow the money to make it happen. Thanks to M&S Bank for helping us to do that.

Review posted by John Havelock

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  • Ease Of Use
  • Value For Money

I was so relieved when M&S Bank approved our personal loan recently. We are borrowing the money so that we can afford to take our daughters to Canada for Christmas so that they can meet their cousins for the very first time. Skype calls every so often was no substitute and we wanted all the children to bond properly before they got much older.My husband is self employed and is always busy so the task of finding the right loan was down to me and so I cheated a bit and asked some of my good friends for recommendations. A couple of them mentioned M&S Bank and I just went with them first because they were a company I naturally felt comfortable with and I am so glad I did as they have approved a great loan for us and even pointed out that as a cardholder with them for many years I was entitled to some exclusive deals they were currently offering so it was a win win situation for me.

Review posted by Sally Meadows

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  • Ease Of Use
  • Value For Money

Now this might sound a bit strange maybe, but this review comes from a friend of me who typed it over from the screen in front of me as I can't see what's on it. I'm using braille 'coz I'm bad sighted, or 'visually impaired' as the official term sounds. As of that I should use some technically different hardware such as a special printer as well as a keyboard which improves my work and writing significantly If I had them.Three days ago I opted for a personal loan which I liked to take out from M&S. From here, I would like to thank M&S for the assistance and patience they had with me, assisting me in applying for a personal loan of 5000 quid to buy this very special and expensive equipment. M&S do have a great service as well for others as for me. Without them I was forced to write anything in the old way. I really appreciate that! Thanks!

Review posted by Rodney Sterling

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  • Ease Of Use
  • Value For Money

I would recommend M&S for loads of there different products. I have purchased there fresh food services and clothing range. Even there travel money has a good exchange rate and they always offer and keep loyal customers up to date. I got a flyer threw the post with my regular monthly offers from M&S and they had an APR rate that caught my eye. So i gave them a call.I was really surprised at how fast and easy the loan process was over the telephone with a trained member of the M&S team. You just need to let them know how much you are looking to borrow and what for. Then answer a few very basic questions. My loan was approved in theory as i was waiting documentation to be signed but once this was done and sent back i received the cash as promised. I couldn't have done it without them M&S help and I'm really glad they were able to help me out when I really needed to sort out my finances.

Review posted by Emily Herby

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  • Flexibility
  • Ease Of Use
  • Value For Money

My best friend told me that she had her car loan with marks and sparks, and there rates were good. I wasnt sure if they helped in my situation, it was not a new car so i gave them a call.I ended up with M&S for a personal loan with them when I was in real financial trouble. I needed help as i felt i was making all my monthly payments but my 2 credit cards plus monthly bills i was never saving, always spending. M&S were great! They listened to my situation and did not judge me at all, They took all the worry from me of dealing with credit card and loan companies away and put all amounts in 1 one affordable loan with them. They were there for me every time I needed to ring for updates and even all emails were handled very professionally and always had a reply. If you need professional, reliable and very friendly people to look after you contact M&S

Review posted by Donna Kingsmin

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  • Ease Of Use
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Steve is my account manager at m&s Lisburn branch. He has always been extremely helpful and welcoming over the years to my self and my new wife.We have our Savings and ISA with M&S and we have some of the best APR rates on the market thanks to Steve. My wife was looking into renovating our garden for some time now. she has been looking at placing a pond or some type of pool into the back garden with a patio and decking. We popped into to speak with Steve as majority of our money is in ISA or accounts we can not touch or we lose the interest. Steve was more than helpful looking into our best options and we decided on a person loan over a 12 month period. The APR rate was very low and we did not have to touch our savings or ISA accounts and lose out on our Interest and deals on them.I would highly recommend Steve at M&S , i find most of there staff are very professional and willing to help.I would like to thank Steve for all the help he has given and continue to give me over the years

Review posted by Mr John Diggle

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  • Ease Of Use
  • Value For Money

I applied online for an M&S loan last month. The website is easy to navigate around and follow the steps to applying. It is very self explanatory and very easy to use and i find this helps with the timing of the process. I applied late in the evening and by around 10 am the following day I had an confirmation email saying they had recieved my application and someone would be in contact with me. Few hours later i recieved another email to let me know my loan was approved with a great rate of 6.9% APR no questions asked.I'm obviously the kind of person they are looking for!

Review posted by Susan Watts

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  • Ease Of Use
  • Value For Money

Its not as easy to be accepted for a loan these days. I tried at my locan bank first and was offered a 16.9 % apr to consolidate my outstanding student loan off £800 and my credit card with out standing limit of £2653. Outraged at the fact my bank did not help but offered me crippling rates my mum suggested M&S. I decided to have nothing to lose and called M&S customer services, and was passed to marco in there lending dept to help me. Marco was lovely and very nice young man, i can imagine and very well trained. My application was processed and Marco was honest in setting my expectation as APR might be high if my own bank was offering me such high rates. I was delighted! Marco was incredible! i was approved at only 6.9% APR with M&S over 4 years repayments that i can afford comfortably. THANK YOU M&S , THANK YOU MARCO

Review posted by Tiffany Hopkins

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  • Ease Of Use
  • Value For Money

I would like to think I am a good candidate for banks when it comes to lending. But as i found out recently my own bank does not think so. I've never missed a payment on my credit card , personal and business accounts. An when aproching them for a loan of 10 k they told me this could be approved at 16.6 % Are you joking me? i though they were having a laugh! I had a 50 k business loan with them and was paying £700 and paid this all off. With no issues. All I want is a loan for myself not my business and this was stressful and drama at my own bank. I contacted M&S as online they do advertise the best APR rate on personal loans so i decided to apply. Thank you M&S for treating me fairly as a customer and given me a chance. Happy with APR and happy with how easy they made my application.

Review posted by Mr Renview

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  • Ease Of Use
  • Value For Money

We applied for a M&S personal loan online last month, being an existing customer it was real easy to do. Then within 24 hours we had heard we had been accepted but rate to yet be decided and would be contacted. Got the documents through after a couple of days confirming acceptance at 6.0% and after sending the forms back, the money was in the account after 2 business days. The credit score is the crux but M&S DO NOT make any promises when they first emailed me, they just say they'll respond once further credit checks had been done. If you've got excellent credit history, you're likely to get the 6.0% APR rate. I can not complaint about this service it has been outstanding.

Review posted by Mr David Price

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  • Ease Of Use
  • Value For Money

I was really pleased with M&S Finance as a whole. The company and there banking service. Their loan repayments i have found them very manageable and was happily surprised the APR was good also. I got accepted via the online application form and I had signed my paperwork within a couple of days af applying. I sent the paper work back and after two days later i got a confirmation email from customer services telling me the money would be in my account in the next 48 hours. My repayments are made by direct debit so i don't have any hassle of making payments myself its automatic.

Review posted by John Hughes

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  • Ease Of Use
  • Value For Money

I have spent a lot of time looking around their web site and I found out that M&S offer a wide range of financial services. I worked out how much I could afford to borrow and what would be the best loan for me to apply for. I took a few days to think over my options and then i applied and received an instant decision of “yes”. Happy about this i got my confirmation email about the loan and this also then stated I did have time to change my mind which I thought was a nice option. I also could print the loan agreement our or wait on confirmation to come in post. I like how M&S suit all different types of customer needs.

Review posted by Donny

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  • Ease Of Use
  • Value For Money

Thank you Marks and Spencer's Bank. I have found from the start of my application to the enf of completion a speedy but friendly service. M&S Loans have been fantastic product and has helped me out with on going house renovations. All M&S staff have been very helpful and polite and the process has been very quick In completion and funds transfer. An for this i would like to say thank you to all they staff who have helped in dealing with myself. I would certainly recommend Marks and Spencer Loans to friends and family in hope they give them the same service as they have given me.

Review posted by Adam

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  • Ease Of Use
  • Value For Money

Fabulous, Fabulous, Fabulous Service!When you have a loan with Marks and Spencer everything is customer friendly and they take care of you. From a very flexible and not to pressuring application process, in-witch i found was done extremely quickly and efficiently with polite friendly staff who go above and beyond to assist your wants and needs. I was only to happy with the process. I was very impressed with M&S as a company, i feel it run particularly well. I would recommend M&S Loans to my friends & family as their Customer service is excellent. Top top notch

Review posted by Miss Amanda Willson

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I had no problem being accepted with M&S and this was great but i did take me a lot longer than promised to received my funds. An this was annoying to say the least.I applied online and this did not take long. As expected from any Bank, a professional and fast to complete application with a fast response and email confirmation. All off this was done as expected. Good! The paper work came in the post as advised this only took 3 days from the day i applied for the loan. I was also happy with this. I singed and sent back recorded delivery the same day i got the documentation. I was told it would be taken in the post the very same day as i paid for the faster service. This did not get to M&S at all, 4 calls and 5 days later i had to be sent out new documentation. This i was not happy about. I was waiting around 14 days in total before i was told the money would be sent in to my current account. I was not impressed with the service but i was not entirely let down. Customer service did help with a good will credit and a nice discount code for shopping with M&S online.

Review posted by Andrew Ingles

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  • Ease Of Use
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Found M&S Bank on the internet whilst I was struggling to pay all my credit cards etc. It only took one phone call and few simple forms to fill out and i left the decision in there hands.I am glad i did, it was sorted out for me really quickly and the level of personal treatment you get from up todate contact emails is a nice touch. They are all very friendly, professional and non judgmental company to have a loan with.I found the whole experience totally stress free once in control off my finances and knowing M&S has helped me sort this all out i feel a lot better in moving forward.Highly recommend their service.

Review posted by Wilma

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We came back from Holiday and noticed at atm my wife's Direct Debit was not paid to M

Review posted by Jim Donaldson

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I am written on behalf of my grandmother who has taken out a loan with marks and spencer bank to have a small family holiday. My grandmother is 52 years old and works part time , she does not use the internet so when taken this loan we had to get some help. I emailed on the website and told you my grandmother would like to apply and could someone call her to send her a letter as there is no local bank here and no internet. My grandmother done everything by post. Thank you for taken the time to send letters and application form to her. This did take around 1 month but we do have the time. And my grandmother is happy she has everything in writen. Thanks Maria

Review posted by Mrs Jinty Douglas

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  • Value For Money

I decided it was time to buy myself a second hand car as I'm tired of travelling everywhere with my brother...always relying on him for lifts or using public transport. I applied for a personal loan with M&S Bank, as I had a look at car loans and decided against it as I could see the interest rate was higher. I borrowed £5000 and am paying it over 36 months. I pay a little over £150 per month which is quite affordable for me on my current salary. I was impressed that everything was so smoothly approved and that it was uncomplicated. Thanks to M&S Bank I now have my nice blue car .

Review posted by mark Harrison

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  • Ease Of Use
  • Value For Money

Recently I got an increase from my job as I've been working there for 6 years and I was promoted to supervisor. I decided to buy myself a new motorbike and take a weeks holiday in Marbella, Spain. I did not have the cash for these luxuries but I knew that if I took out a personal loan I would be able to afford the repayments. I checked a few banks and loan companies online and found M&S Bank. After reading all the information I opted for them. The £10 000 loan I applied for was granted in a short period of time and the process of the loan application was simple. Im pleased they approved it. Interest rate seems about average, so I'm pleased.

Review posted by Stephen Peterson

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I have to thank M&S Bank. They lent my fiance and I £15000 fo our wedding and honeymoon as we could never have afforded it all on our savings. The interest rate was about the same as the other banks we investigated, but what really pleased us was the 3 month payment deferment that they allowed us to use before we started to pay off the loan. We really didnt want to get back from honemoon and start immediately paying the loan, so that 3 month break was fantastic as took away all the pressure. Great way to work. Never heard of it from other banks.

Review posted by Mark King

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This is a good bank.! I applied for a £4000 loan last month and I did not have to apply online. I merely picked up the phone which is great as i really prefer to speak to people when dealing with money issues. I needed the money to go be with my daughter for a 2 month period as she has just had a baby and needed my help. The lady that helped me was so friendly and told me I could take the loan in August and make the first payment in November, a 3 month gap, so I didnt have to worry until I returned from my daughter's. All I had to pay would be the relevant interest but not the monthly instalment. This was wonderful news for me and I looked no further accepting the loan from M&S Bank. A pleasure to deal with them!

Review posted by Susan Clinton

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  • Ease Of Use
  • Value For Money

As I am a Mark and Spencer's client already and have been for many many years, I have a M&S store card which came in very useful. I had not realised that we could get better deals, but when I phoned, the rep explainned it to me. I borrowed £3000 at a lower interest rate for this reason, which was nice, as every cent helps these days. As usual the lady who asisted me was professional and helpful and guided me through the whole application process. I was given a YES approval immediately so did not have to wait for days for the decision or the money. Client services the best as always!

Review posted by Fernanda Smith

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We live and learn and Ive shopped at Mark and Spencers for so many years, yet I had no idea that they actually gave out personal loans as well! When last week I was telling my friend that I needed a £2000 loan and had no clue as to which institution to approach, she recommended M&S , much to my utter surprise. She helped me go on line and do a comparison check. I was amazed that the interest rate was so affordable. We filled in the application and received a decision at once after submiting all the documents they requested. Good work. Tks Marina for helping me out here!

Review posted by Sonia Berger

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After working so hard without a holiday since last year, I decided that I needed a nice long break, so booked to go on holiday with my mom to the Greek islands. I insisted in paying for her as a gift but did not have enough available cash in my current account and did not want to dig into my savings...so I applied for a personal loan of £3000 with M&S Bank. Its the first time I applied for a loan and was shocked to see how quickly it was approved and how simple it all was. I expected them to ask so much...but they didnt. Interest rate seemed fair to me and client services were on the ball. We had a nice holiday.

Review posted by Isabel Sinclair

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My name is Phillip , I am 38 years old and just recently visited Lisbon, Portugal on a 2 week holiday. I had the time of my life and loads of fun. Money was being spent too quickly though, so I went on line during my holiday and asked for a quick £1000 loan from M&S. My girlfriend wanted to go on an helicopter ride above the city and I did too, but money was running out. Fortunately M&S approved the loan immediately, although I've not used them before, and transfered the money to my account the same day. Thanks to them we had our helicopter ride and did many other fun things. M&S are reliable. Good to know!

Review posted by Phillip Anders

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What to do when one needs a personal loan on short notice wiith good interest rates and no hidden costs? LOL this was the question on my lips. To tell you the truth, I had NO idea. I went on line and saw so many institutions offering to lend money that my head started spinning. Fortunately my mate John came to help me as in my confusion I was rather lost. He suggested I try M&S bank as he claimed to have borrowed from them before with no issues. As he insisted they were reliable and fair too, I took his advice. Indeed they granted me my first loan ever of £2000. The repayments are affordable. The process was simple and the money was credited to my bank with no ado. Im surprised as normally these banks are all about burocracy.

Review posted by Jacob Anderson

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Every now and then due to no real reason certain people find themselves short of cash and thanks to financial institutions like M&S Bank who really facilitate things and make it possible for people to get their lives on track again.Obviously there are certain criteria that the bank will have to check eg employment data, financial status and repayment affordability.I was in this sort of situation a short while ago and borrowed £10000 and agreed to the repayment spread of 5 years. Really helped me at the time and their interest rates are top notch. Thank you once again M&S BANK.

Review posted by Anthony Wilkinson

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My name is Harry Franklin and I'm 52 years old and have been married for 20 years to an animal lover and dog rescuer. Needless to say the car we both use is so full of dog hairs and so smelly it became necessary for me to buy another vehicle, albeit 6 years old, but in good nick nontheless. As we shop at M&S regularly my wife was aware of their banking services too.After finding the car I wanted we applied online for a loan, met their criteria and after a short while the £4000 I asked for was in my account. The interest rate for the loan payable over 36 months was laughable compared to the loan deal offered by the dealership. Thank you M&S Bank. Highly recommendable.

Review posted by Harold Franklin

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  • Value For Money

We are really proud of the fact that we have a very, very tight family and we love spending time together. Christmas is a very special time for us and the only downside is that for the last 3 years my son, his wife and their little son, my grandson, couldn't spend Xmas with us for two reasons. Firstly they live miles away in Canada and the second being finances.Well this year my wife and I decided to change all that and approached M&S bank for a personal loan so we could all be together this Xmas. It was all done online and after credit checks which included employment details as well as current financial status the loan was approved and the money was soon in my account. It came as an incredible surprise to my son and his family, but they will be with us over Xmas thanks to M&S Bank and it has all been arranged that we canl quite easily repay the amount over 36 months. Thank you once again M&S Bank.

Review posted by Wesley Darlington

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  • Value For Money

Hi, my name is Eddie Soames and I'm 44 years old with a wonderful family who only deserve the best. My firstborn, my cherished daughter is getting married in 2 months time and although we have some savings we just felt it might be better to hold onto it and rather apply for a personal loan. So after doing some homework we decided to ask M&S Bank for a personal loan of £7500 which we felt would certainly be enough to cover the wedding costs. What made it easy was that we phoned M&S Bank and after our credit rating was verified the approval was immediate. A short while later after the loan agreement was signed we had the funds in our account choosing to repay the debt over 5 years using a standard debit order to deduct the payments. We felt we could not have got a better deal. Thank you M&S BANK.

Review posted by Edward Soames

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I am an M&S cardholder and read about their financial services since being taken over by HSBC and liked the fact that you could take out a personal loan and not have any restrictions at all on how to use it. Also at an interest rate probably far superior to most.My son lives abroad and is getting married in 2 months time and my wife and I would really like to be there and not add to his wedding costs and for this reason we approached M&S BANK telephonically and got immediate approval for a £4000 loan repayable over 36 months.We found them to be efficient and professional as in their stores and supermarkets. M&S BANK can be recommended.

Review posted by Gregory Croft

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I recently applied for a loan for 15k what attracted me was the great interest rate of 3.6% within 3 days I got an email saying congratulation your loan is approved however the sting was when the loan papers arrived the interest rate in the small print was 9.8% needless to say I cancelled it. Clearly their advertising is misleading do not apply to this bank for a loan. If your wondering I have an excellent credit rating which is why I was so shocked by the interest rate they offered very misleading leave well alone and anyone not taking note who then apply check The Interest Rate when you get the loan agreement

Review posted by Niki

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I had no idea that M&S MONEY had been sold to HSBC and because of that I was told their financial services are incomparible. I needed another car very badly as I had juat started a new job that required a bit more travelling but the money was a lot better.I applied for a personal loan of £8000 for the car and once the loan criteria was sorted out it was approved and before long I had signed the loan agreement which spread the repayments over a period of 5 years at a really good interest rate.So all I can say is Thank You M&S BANK:

Review posted by Mark Chapman

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My cousin had borrowed from M&S Bank when he got married 2 years ago. He swears blind that they are a great loan company to deal with as he recalls that at one point he was in a little tight spot and under pressure to meet the repayments. He asked them for a small 3 months break, which they gave him. This meant that for that period he only paid the interest on the loan and not the instalments. Such a possibility meant he did not have to default. This is the reason why I opted for M&S when I needed to borrow £4000 and was unsure as to what bank to approach. I applied on line which was rather simple and opted to pay back over 36 months. I second what my cousin says about them. I've had good service and no tricks...

Review posted by John Cassidy

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My wife an I are newly wed. We just moved in to a lovely cottage and needed to buy furnisher to refurbish it. As we used a big percentage of our savings for our mortgage application we were a little short on cash, so we applied for a £6000 loan from M&S bank. The reason why we chose them is because we wanted some breathing space to get settled before starting to pay the loan back. They agreed that we could borrow the cash and make the first payment 3 months down the line. What a pleasure. We will pay them over 48 months so that the monthly repayments are affordable and dont cripple us. Good bank to approach! They were very helpful.

Review posted by Peter Simpson

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  • Ease Of Use
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Nice to know you can rely on a bank when you need a loan on short notice. Marks & Spencer's have never failed me. It's the 3rd time I ask for a loan and it always been granted. I like them because of their 3 month break policy. I've never seen that advertised in another bank or loan company. It mean that if you are in trouble you can ask for a 3 month break whilst you get back on your feet. I´ve never actually used it, but just good to know its there if the need arises. The other thing I like is that you can apply by phone rather than on line and the representatives are patient and helpful. Thanks for the £3000 loan M&S, I am grateful for your good customer services.

Review posted by John Darwin

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Although I earn a little over £16000 per year, I did need a little loan last month when I got engaged to my lovely high school sweetheart. I had saved £2000 to buy her an engagement ring, which I felt was more than enough, but she had other ideas! She fell in love with a diamond ring that was indeed breathtaking but £1200 over my budget, so I had no choice but to borrow from M&S Bank. First time ever that I apply for a loan. I did the application on line, answered some questions re my job, wages, expenses etc and fortunately the loan was accepted. I agreed to pay them back over 12 months as I want to pay off the loan quickly. They were professional and helpful. A good lucky choice I guess!

Review posted by Colin Swayze

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  • Ease Of Use
  • Value For Money

I am a customer of M&S and shop in their stores all the time. I like the quality of their products. I recently discovered that they also give out personal loans, so made the decision to make a loan request of £1000 to give me some extra spending money during my holiday to France. As I am a card holder I was given a specail deal and was told that my repayments would be lower than if I wasn't a cardholder. I was pleased about this, as a saving is a saving no matter how small. I therefore paid a slight lower interest rate than I expected. They did not even ask me what the loan was for, they just double checked the information I gave them and approved the application rather quickly. I guess because I earn well over the £10 000 that they demand, and am 25 years old with no debt, it made it easier, but I did hear from a friend that he got a loan from them and he is only 19, so I guess they are fair. Thumbs up for them .

Review posted by Justin Mc Carthy

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  • Value For Money

We were suddenly needing an extention to our house when my daughter got divorced and got full custody of the twins. She was in no hurry to live on her own so moved back in with us, which we were happy about anyway. We had plans drawn up for the extention which meant two additional bedrooms and a bathroom. Once these were approved we applied for a loan of £10000 from M&S Bank which was soon approved. We signed the loan agreement to repay over 48 months and soon the funds were made available. This will also add value to our home and there will be plenty space to have our daughter and grandchildren back home.Thank you M&S Bank.

Review posted by Arthur Stone

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It was all so simple really. We needed £10000 to do some long awaited renovations on our house and a personal loan from M&S Bank seemed the way to go for a number of reasons including their rates and their flexibility. The application was done online and the decision was instant. My financial status was verified and the loan approved. All I then had to do was sign the loan agreement and the money was transferred into my account. A 5 year repayment structure was finalised which was very comfortable for us and that was that. M&S BANK are highly recommendable.

Review posted by Ian McIntosh

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I am a loan person, unfortunately, but every now and then it becomes not only necessary but also convenient. I do have an M&S store card and found out they are pretty good in the loan department so I applied online for a personal loan of £5000 just to cover a few holes. I am steadily employed and don't consider myself a risk and neither did M&S BANK and the loan was approved. After signing the loan agreement the money was transferred into my account. So simple and so little red tape. I agreed on the 3 year repayment plan which was no problem at all. M&S BANK are really professional and snappy.

Review posted by Raymond Smethurst

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My car used to be my best friend but like a lot of friendships, they come to an end. I needed another car badly and started the search which only took one day. It was a two year old vehicle that was such a bargain, I had to have it.I needed a personal loan of £10000 and the car was mine. Taking the advice from a friend I went online and applied for the loan from M&S BANK and it was approved almost immediately. Their criteria was met as I am gainfully employed and earn a fair income. I then signed the necessary documents agreeing to pay the loan back by way of 60 equal monthly instalments using a debit order. The thing that impressed me the most was that I needed the loan quickly and that's exactly what I got. Thank you M&S BANK.

Review posted by Alan Robinson

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M&S is so well known to all, yet I only found out recently that they also offer personal loans and all different banking services as well. I had some leave due and there were a few things that I wanted to patch up at home, including putting up a new fence at the front of our house.We needed in the region of £4000 so I approached M&S BANK online requesting said amount and no sooner said than done the loan was approved. The credit checks they carried out were obviously positive and as soon as I'd signed the loan agreement, electing to pay off over 24 months the money was in my account, all happening on the same day.I will certainly use M&S BANK again and recommend others too.

Review posted by Michael Milner

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I needed £5000 urgently last month and was searching for a bank or loan company that would not ask me what I needed the loan for, as it was a private issue and confidential. I wanted to pay it over 36 months and pay maximmum of £200 as I knew that was the figure I could afford. I searched for a long time on Readies.co.uk website comparing all the institutions they have on their list to try find the best value for money . I came across Marks & Spencers, whom I had never thought of as a company present in the financial market...always thought of them as a big retail store. I was pleased to see that with M&S I would pay about 150£ per month over the 36 months that suited me. I applied for the loan and they were swift at making a decision and authorising the loan. I'm very pleased I found them and am grateful the money was so quickly deposited in my bank.

Review posted by Brian White

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I am getting married at the end of October and our honeymoon will be in the Algarve, Portugal. I have saved a lot of money to pay the wedding costs and the honeymoon costs too. As its a new life ofcourse we have rented a lovely new apartment, paid the deposits and rent, but we need furnisher, curtains and pretty much everything for a new home. Not being able to afford all this in cash also, I contacted Marks & Spencer and made an application to borrow £9000 and spread the payments over 48 months. Everyone knows they are a trustworthy company, not only the retail side but the financial side, so it was a good omen. I qualified to take a loan as I earn more than £10 000 per year, I expected it to be granted. Indeed it was and I'm a happy man with M&S.

Review posted by Malcolm Maguire

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My 22 year old daughter is going backpacking through Europe for 3 months with her two friends now that they have finished university.They will be travelling mainly by train and will stay in cheap hostels and motels in order to keep the costs down.I could not let her go on a trip like this short of cash so made the decision to borrow £3000 to give to her as a gift so she has that over and above the money she has put together hersef.Marks Spencer seemed a good choice as not only is the interest rate a fair one but also there is always the possibility of taking a break from making payments during 3 months, should the need arise.Customer services were very good and kind at helping me through the process and gave me the loan over24 months. Good bank!

Review posted by Theresa Bromwell

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My name is Marie Spencer and I live with my parents in a small cottage on the outskirts of London. I do not pay rent as my parents own the house where we live, so I just colaborate with expenses. I live comfortably and have my luxuries, however buying the BMW I wanted was a little out of my league to pay cash for. I toyed with the idea of taking out a loan with the bank that I've banked with for a long time, but unfortunately after looking at the interest rates and fees that they charge, it became clear that I needed to find finance elsewhere. Upon advice from a couple of friends I opted for Marks and Spencer. Made an application for a £20 000 loan over 5 years and it was approved. I am impressed with their speed and professionalism. I'm happy that I'll be dealing with them and hope to not have any mishaps. So far so good.

Review posted by Marie Spencer

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They say that once you get to 40 time really starts moving on you. It's true. My wife and I have been married for 20 years and all we've done is bring up two boys who are our pride and joy, but we've never done anything really special on our own. It was now time to change all that. We decided that a cruise to take in the Med as well as a few GREEK iSLANDS was what we'd do. We called it our '' something to always remember'' holiday.We did some searching online, found the cruise we wanted and then approached M&S BANK for a personal loan of £7000. We'd always shopped there but this time we went online and took out the loan for our trip. It was so simple. We met their criteria in terms of affordability etc. and the loan was approved. I then signed the loan agreement promising to settle the debt over 36 months which was affordable as we both earned a reasonable salary. A short while later the money was in our account and the wife booked our cruise. We just can't wait. And all this thanks to M&S BANK. Highly recommendable.

Review posted by Wally Ferguson

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I buy most of my clothes at Marks and Spencers, they have such great quality in their products. I had noticed some advertizing flyers about their other financial products and decided to try for a personal loan. I had been thinking about doing so for month or two.I have a store card so could take advantage of their special deal on a loan. I called them and found their customer service department to be most helpful and efficient. It did not take too long before I was given a decision. I was very pleased with the whole process and would use them again, should I need further financial needs.

Review posted by Walter Spence

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I hold a Marks and Spencers' store card as I love to shop in their store, the card does give you lots of benefits and I wondered if I could obtain a personal loan for a trip I wanted to make, so I gave it a go.I applied online and the application was simple and understandable, I wasn't sure how complicated it would be. I was surprised at how quickly they made a decision, I guess I ticked all the right boxes. So I was well pleased with their process and the ease with which I could follow my dream of a the trip I wanted to make. If you are thinking of applying for a loan, do try M & S first.

Review posted by L. Prentice

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Based on the 'potential 4.1% APR' quoted on the online profile, I decided to apply for a personal loan with M&S after having checked out several other possible loan options with other lenders.As it turned out, I was eligible for 4.1% APR but only because I was able to 'tick several of the required boxes' so to speak. So the great deal I got with this loan might not be available to everyone applying. but I would still recommend people give M&S a try because getting a great loan isn't just about getting the lowest APR, it's about the whole package and even if I hadn't qualified for the 4.1% APR carrot that was dangled in front of me I think I still would have gone with M&S because they were offering so much more than that.Taking out a personal loan for the amount of money I was borrowing was a huge commitment for me and so I had to be 100% happy with the whole agreement before signing on that dotted line. And I pleased to say I was and that's why I wanted post this review.

Review posted by Linda B.

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Every 2 or 3 years we like to visit my sister in New Zealand and to help with the cost we usually get a personal loan. My husband usually deals with that side of things and generally just goes to our bank for the loan.This year my husband was dragging his heels a bit and if we didn't get our loan sorted out quickly we were not going to get our New Zealand trip planned in time.When I mentioned this to my sister in New Zealand during one of our very infrequent Skype calls, she simply said why don't you sort out the loan yourself and so that's just what I did.Without saying another word to my husband I applied for a loan with M&S Bank because I feel much more at ease dealing with them than with our own bank and within less than a week I had our personal loan approved and was able to start booking our flights and planning the our agenda.When I eventually got round to telling my husband what I had done he very nearly fainted at the thought of what I might have signed us up for but when he saw the M&S Loan Agreement he was very relieved and somewhat surprised at my initiative. The trouble is I think I have now set myself up for doing this every time we need a loan but I don't really mind because I found it all quite simple really.

Review posted by Audrey Dickenson

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We have just got our eldest daughter into a very good private school because she is a very talented young lady and was given an assisted place there which we would not have been able to afford ourselves.This however, created some problems for us because were a one car family and our daughters new school is in the opposite direction to our other childrens school.We decided to get a loan to pay for a small second car so that my husband could drop our daughter off at her new school on his way to work while I used the family car to take the other children to their school.Because I worked at M&S for quite a few years before having the children I wanted to give them a chance to quote us a competitive loan before looking elsewhere and I am very pleased that I did because my longstanding relationship with them meant I was eligible for one of the lowest APRs that is currently available on this sort of loan and so I didn't hesitate to take the loan out with them.We now have our second car and our daughter is enjoying her new school and we have M&S to thank for it.

Review posted by Shali Mayek

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I needed a personal loan to pay for a new bathroom and after being given the run around by my own bank and being quoted ridiculously high interest rates by several of the online loan companies I decided to go back to my failsafe choice of Marks and Spencer Bank.I had used M&S for smaller loans over the years and had never had any problems and I was hoping this would be the case again. I knew that because I was borrowing a bit more money than previously the interest rate might not be the same but I just wanted it to be as competitive as all the other high street lenders so that I didn't feel I was being ripped off.Fortunately for me M&S are still a reliable and competitive lender and my loan for my new bathroom is going through at the moment and I can't wait to have my first soak in my new jaccuzzi bath when when it is finally installed.

Review posted by Natalie Weston

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I needed to take out a personal loan and the fact that this would be the first time made me a bit wary and ensured that I didn't just jump in. I was looking for not only the best rates , but also flexibility and user friendliness. In other words I wanted efficiency with the least burocracy.I opted for M&S BANK after quite a long investigation and am really pleased I did.Everything was done online and my loan of £5000 was approved really quickly. Obviously there are certain assurances they require in terms of employment, financial and residential information. Once this was done the loan agreement was signed and the money was made available the same day, which was impressive. They really tried to help allowing me to pay back over 2 years using a standard debit order and this suited me too.If need be I'll certainly use M&S BANK again.

Review posted by Theo Moran

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Christmas is just around the corner and for the first time in years I am not stressing about the whole cost of the thing.I have just taken a leaf out of my very good friend's book and got myself a personal loan from M&S Bank. Like my friend I am a huge devotee of all things M&S but it never occurred to me to use them in this capacity.When my friend explained some of the benefits of borrowing money from M&S, especially for us cardholders, I crossed my fingers before applying for a loan myself and hoped they would approve it.Well they not only approved it but they also let me have a 3 month payment deferment so I don't have to worry about things until after Christmas which is brilliant.I think I am actually going to enjoy Christmas shopping this year which will be a first for me and its all thanks to my best friend and M&S Bank of course!

Review posted by Geraldine McClaren

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My husband always jokes that when I pop my clogs Marks & Sparks will go out of business. But jokes aside, I am a big fan of M&S and do a lot of my shopping there, either for food or clothes and we even bought our new bed there recently.However, one area of M&S that I had never ventured into before was their banking and loan facility. But that is all about to change because I have just taken out a personal loan so that I can treat me and the husband to a well earned cruise around the Med and a new set of golf clubs for him for Christmas.My husband helped me apply for the loan and he knows about the cruise but he doesn't know about the golf clubs so I am quickly typing this review before he sees it.

Review posted by Cath Merton

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I don't normally bother posting reviews but this is one occasion when I felt I had to show my appreciation for something that could have been such a stressful thing for me but actually turned out to be a really, simple straightforward process.Within minutes of going online to look for a personal loan I chose M&S Bank because I just have a lot of confidence in them as regards the quality of their brand, whether its their clothes, their household goods and furniture or their food. and I had the feeling their personal loans would be as good judging by their terms and conditions on their website. It just all seemed to suit me and so I went for it.I have just had my loan approved and the money transferred into my bank account and it was easily one of the best business transactions I have done. To celebrate I am going straight to my local store to buy one of my favourite M&S ready meals and a nice bottle of their bubbly and I know it won't break the bank, which is another thing I like about M&S.

Review posted by Leona Saunders

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I like the idea of, when necessary, being able to approach a loan company and request a loan without all the red tape and without them asking what the loan is for. It's my business and I pay the higher interest rates for that bit of privacy, don't you think?And with this in mind I applied online for a loan of £8000 from M&S BANK, the family having been clients of theirs for some time. Obviously they need to know a few things about me to safeguard themselves. I am steadily employed with a good credit record and that was that. The loan was approved and the repayments were to be debit ordered over a 3 year period which was convenient and the money was transferred to my account without any further red tape.M&S BANK were a pleasure to deal with.

Review posted by George Stanton

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I had no idea that M&S Bank offered personal loans and when it was mentioned over dinner it seemed like a good idea because we really needed to do some patching up at home. Nothing too expensive but a good facelift, nontheless.We then approached M&S BANK online and our loan request of £6000 was approved almost immediately. I assume because the wife and I are gainfully employed and have been for a number of years. We were in no hurry to settle this debt as the rates were not bad at all and so we accepted the 3 year repayment option. What really impressed me was that the funds were made available so quickly. They were thoroughly professional.Really glad we approached M&S BANK. They really help their clients.

Review posted by Roland Beresford

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When my boyfriend proposed to me and I said yes his immediate reaction was why don't we just run off to Gretna Green and get married so that we don't have to do the whole big wedding thing.I could see where he was coming from because if my mum had any say in planning the wedding it would involve inviting hundreds of obscure relatives I had never met. Also I would invariably end up falling out with at least one of my girlfriends because they weren't chosen to be a bridesmaid.So the running away to get married bit was on but it was going to be Las Vegas and not Gretna Green if I could just get a loan to pay for it. That's where good old M&S came to the rescue. I had taken out a personal loan with them three years ago to pay for my car and that had worked out pretty well for me.It didn't take me long to do the online application and when they approved the loan for me I decided to opt for the three month payment deferment so that when the first repayment was due I would be a Mrs and my new hubby would be paying his share of the loan. Now that's what I call forward thinking.

Review posted by Frankie J.

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I thought I had made a big mistake when I asked the wife to sort out a suitable loan for us so that we could afford to go away to somewhere nice and hot for Christmas this year. She came back from one of her regular lunch dates with her friends and announced that the loan was sorted and that we had Marks and Spencer to thank for it.I resisted the urge to tut and say 'if you want something doing properly, do it yourself' and went into the study and got straight on to the computer and checked out M&S Bank to find out just how much trouble the wife had got us into.It turns out my wife isn't as daft as she likes to make out sometimes. The loan we were approved by M&S Bank is as competitive as most of the high street banks and even better than some of them.I didn't let on to the wife that I had checked out M&S Bank myself and just let her have her moment of glory even if it does mean I'll never hear the end of it when we are basking in the sun on our Christmas break to the Caribbean.

Review posted by Ewan L.

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I was wandering around my local M&S food hall looking for something for dinner and also wondering how I was going to be able to afford this year's skiing trip to Austria with my friends. I'd had quite an expensive few months with the cost of my summer holiday and my cousin's wedding leaving me skint.Then I spotted one of M&S many leaflets advertising their banking services and decided to have a go at applying for a personal loan.When I got home I put that's evenings dinner in the microwave and got the laptop out and started looking on their website and in almost as little time as it took to cook dinner I had made an online application for a small personal loan.Their instant decision was great because it stopped me from getting indigestion worrying about whether or not I would get the loan. And because I did get the loan approved I celebrated with a very naughty but nice dessert also courtesy of M&S.

Review posted by Betty Boo

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Some refurbishing on our little cottage was very, very necessary before the winter and as our savings were for a rainy day we opted for a personal loan. Because we often shop at M&S and knowing that they also offer personal loans it was logical that we approach M&S BANK for the £7000 we felt we needed. We also knew that their rates were very good too.What we also liked was the fact that it was so simple. An online application and then almost immediate approval. We decided to repay over 36 months which would not put any pressure on us at all. We signed the loan agreement and the money was transferred to our bank account. The house repairs are coming along nicely all thanks to M&S BANK.

Review posted by Bryan Preston

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Taking out a personal loan can be a tedious challenge especially when there are so many financial institutions and banks offering their services. I decided to stick with the family store we always shop at and went to Marks to see what they could offer me for the purchase I wanted to make, instead of using my savings..I knew that they offered additional benefits if you had a store card, so I decided to take advantage of that fact. I got on the phone and provided my personal details. They gave me some choices of loan amounts, terms of the loan and interest rates. All seemed quite reasonable and we settled on the one that suited my pocket. It was not too long that they put me on hold before coming back with a decision. I was well pleased with the outcome and wont hesitate to ask them again.

Review posted by Albert T.

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I am a frequent shopper with Marks and therefore have a store card. I had considered applying for a personal loan with my high street bank but as the rates I had read about with Marks seemed comparable I thought they might be a better choice. I needed some extra cash for helping my elderly mother to furnish her flat so I went ahead and applied for a loan with Marks.I went on line and looked at the application. I reviewed the amounts and interest rates and repayment terms and felt they were acceptable and within my budget. So I went ahead and completed the form. I did not have to wait a long time before they came back with their decision. I was successful. They were a good outfit to deal with, it was plain and simple and I can now help mother, great.

Review posted by Lilly Camden

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There were two important things I needed to get loans for and I couldn't decide which one should get priority until my fiance pointed out that as far as he was concerned paying for our wedding should surely have been my first thought. I said that if we didn't get the boiler replaced so that I could come home from work to a warm house and a hot bath before much longer, then getting married would be the last thing on my mind.So for reasons of avoiding possible hypothermia and offending my work colleagues with BO the boiler had to come first. But the wedding planning was important too because we didn't want to miss out on the venue we had chosen and that needed an upfront hefty deposit to secure it.In the end we just threw caution to the wind a doubled the loan amount we wanted to get and went online to see who would give us the most competitive deal and more importantly a repayment schedule that we could afford.Good old Marks and Spencer came to the rescue with a really good loan with an APR of 4.1% because of me being a store cardholder. We were approved a loan amount that not only covered the cost of a new boiler, but the wedding is pretty much sorted as well unless I suddenly decide to get Gary Barlow to come and sing at our reception. I hear he doesn't come cheap!

Review posted by Etna Byrne

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I can't believe M&S have just approved my loan. I am so excited that I felt I must post a review to say how grateful I am.I had originally planned on asking my bank for the loan but they really didn't come into the equation once I started looking online at the comparison website.I narrowed my choices down to 3 and finally went with the M&S deal based on the fact that having had a store card for several years I was entitled to a lower APR and on top of that I could take a 3 month payment break which was something I really couldn't ignore.By the time my first repayment is due I will have got Christmas out of the way and my finances will be back to normal so for me that option to defer payment is a really good idea.

Review posted by Gabby White

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Our personal loan from M&S Bank is not the first and hopefully it won't be the last. We gave up going to our own bank for a loan long ago after a few issues with them and ever since we have used the financial services of our favourite store.Our loyalty is repaid with very competitive APR rates and a couple of times we have taken advantage of the payment deferment option when we know we are going to have extra expenses on certain months. With Christmas coming up soon we have taken that option with this loan which is actually to pay for our annual cruise next May.All in all we really can't find anything negative to say about our M&S loan but people really should give M&S Financial Services a go themselves to find out how good they are.

Review posted by J & J Smith

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I never buy new cars. They are far too expensive. What I do is buy a quality 4 year old car, drive it for 2 years and then trade it in for another quality 4year old. Ther is a method to my madness. I always have a car to be proud of and I almost never pay for car repairs as my car is always under guarantee.It was ''new car '' time again and I approched M&S Bank for a personal loan of £6000 to offset the difference between the purchase price and the trade in price.I've used them in the past and this time was even easier. All taken care of online. Very little red tape other than the normal credit checks and then the signing of the loan agreement. I always choose the 2 year pay off structure as the interest is really favourable. I would recommend M&S BANK anytime.

Review posted by Lawrence Burton

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Our family has been shopping at M&S for years and never once did I ever think they could help with a different sort of problem.I'm the proud father of two very pretty and popular twin daughters. They are nineteen years old and when they want something they normally get it and I'm normally the one giving.This time they needed about £4000 as one of their closest friends were getting married and the hen party was being held in Ibiza, Spain. They claimed to be part of the organising group so could not miss it and they'd spent most of their savings on clothes for the holidays and the wedding.They led me to the PC and applied online for a personal loan of £4000 which was approved and I later signed the loan agreement with the repayment schedule being 24 equal monthly payments.They always get away with everthing because I love them and M&S BANK are truly efficient.

Review posted by Michael Lawler

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An amount of £10000 was what the family needed. Firstly our family car had to be replaced for another second hand car but in grand condition and secondly our house needed a bit of work done on the outside as it looked really weatherbeaten.My wife suggested we apply for a personal loan with M&S BANK as one of her colleagues at work had done the same with very little red tape. So we applied online for the personal loan of £10000 requesting to pay off over a five year period. Our affordability was checked out very quickly and the loan was approved. Shortly thereafter the money was in our account and the monthly instalments were to be taken using a standard debit order which suited us down to the ground.We are all so pleased with the car and the house and all thanks to M&S BANK.

Review posted by Max Pullman

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It was a last minute decision but I decided to go with M&S Bank for a personal loan so that I could afford to join my mates on a trip to Las Vegas. I had been working full out all year for very little reward thanks to my ex wife and her demands and I felt I deserved a break.My new girlfriend recommended going to M&S Bank for the loan because she had just got one herself to pay for a new car and so with her help I went online and did the application. As soon as I go the thumbs up from M&S I got straight on to the travel website and started looking for flights.I was on a roll now and wanted to get as good a deal with my flights as I did with my loan and the incentive was that the cheaper the flight the more money I would have to spend in the casinos. My girlfriend said I shouldn't spend all my time gambling but to get out and do some sightseeing but this is Las Vegas we are talking about and my girlfriend can be a bit naive at times.

Review posted by Pete Morrison

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My in laws are coming to us for Christmas and I am desperate to make a good impression on them, my mother in law in particular, who can do no wrong in my husband's eyes. So the fact that I am a terrible cook and my hosting skills are on a par with my driving abilities (I've failed my test 5 times) means I am going to need all the help I can get.I have just got myself a personal loan from M&S Bank to ensure I have the biggest Christmas tree with the shiniest baubles and lights, the most beautiful bone china dinner service for Christmas lunch, and finally to keep hubby happy too, a very large flat screen TV so that we can all fall asleep watching the usual festive programs.My only real problem is the food but provided I don't cremate the turkey, I think I can manage the rest of it, after all that's another great thing you can get from M&S.

Review posted by Rhona K.

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I have a very serious relationship with the girl of my dreams and unfortunately we both still live at home with our parents and this is becoming a problem. We're both 23 years old so decided that our own apartment was the only solution. We both work but to make the apartment feel like home was going to cost a bit more so I decided to approach M&S Bank and ask for a personal loan of £5000.All quite simple really. We went online and filled in the loan application giving my credentials and the loan was approved. The next thing was to sign the loan agreement opting to repay over 36 months via a debit order which suited me fine.The money was made available soon thereafter and we are now in our new apartment and it looks great and getting better all the time . Thank you M&S BANK.

Review posted by Dermott Russell

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Having regularly shopped at M&S over the years and always been pleased with the service I thought they might well be the best company for me to request a personal loan. I filled in the application online and asked for £8000. I had to confirm employment, residential and financial details and the loan was approved. I asked that I repay the loan over 3 years not to feel any pressure and this was accepted too and then I signed the agreement and the money was transferred to my account. I found them to be totally efficient and professional and would not hesitate to recommend them.

Review posted by Mitchell Thompsonount

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I was in the process of buying a car to replace the one I had. The vehicle I was after was priced at £7500 so I appçied for a personal loan from M&S BANK for £8000 and was quite surprised that the loan was approved almost straight away. Obviously certain checks were carried out to ensure that the instalments would be met without undue pressure and once this was done the funds were made available and I now have the car I wanted. The whole procedure was completed in such a short time including the signing of the loan agreement wherein I opted for a 3 year period to repay the loan.M&S BANK are really helpful and on the ball .

Review posted by Brendan Scott

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The person in charge at home is the one who does all the cooking and that happens to be my wife who insisted that she wanted a total revamp of our kitchen. She'd seen the model she wanted in a glossy magazine and insisted I apply for a personal loan so she could have the new kitchen as a Xmas present.M&S BANK was the company my wife directed me to and so the application was filled in online and the loan of £8000 was approved with the repayment being 60 equal monthly instalments. It was as simple as that. A couple of days and the money was there with very little redtape. My wife was thrilled and my daughter is now also becoming creative in the kitchen. I have to thank M&S BANK. I couldn't have done this without their help.

Review posted by Dillon Fagan

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The person in charge at home is the one who does all the cooking and that happens to be my wife who insisted that she wanted a total revamp of our kitchen. She'd seen the model she wanted in a glossy magazine and insisted I apply for a personal loan so she could have the new kitchen as a Xmas present.M&S BANK was the company my wife directed me to and so the application was filled in online and the loan of £8000 was approved with the repayment being 60 equal monthly instalments. It was as simple as that. A couple of days and the money was there with very little redtape. My wife was thrilled and my daughter is now also becoming creative in the kitchen. I have to thank M&S BANK. I couldn't have done this without their help.

Review posted by Dillon Fagan

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A short while back I so badly wanted to buy a car and had no idea what to do about credit. With this in mind I went on line to try and find the best deal. I am a M&S cardholder so when I saw how good their rates were I filled in the online application for a personal loan of £10000. I know yhe amount was substantial but I needed a good car because I also use it for work so reliability is crucial. The loan was approved and they even assisted in structuring the repayments over 5 years so that I would be comfortable with it.I signed the loan agreement and the monet was sson in my account. I now have a super new car ( almost new )and it's all thanks to M&S BANK.I highly recommend them.

Review posted by Marshall Young

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Every two years the guys get together and go away for a 4 day golfing trip and each time it's in a different country. We've been doing this for about 10 years now and this year we are headed to the beautiful Algarve. My wife doesn't mind this at all. I think it gives her a break too. So for this reason I applied online for a personal loan from M&S BANK and asked for £3000 to be paid off over two years or sooner.The loan was approved promptly with just the usual credit checks. I then just had to sign the loan agreement and the money was available. M&S BANK are great and I'll certainly use them again.

Review posted by Michael Strauss

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I've made quite a few loans over the years although they've all been payday loans and small by nature. I have always paid them and on time too. I now found myself in a situation where I needed to make a personal loan for a larger sum. I did a bit of homework and filled in an online application with M&S BANK and requested £6000 repayable over a 3 year period. My credit rating must have been quite high as the loan was approved very quickly indeed. I then received the loan agreement and signed it and as soon as M&S BANK received it the money was transferred to my account. I found M&S BANK to be totally professional.

Review posted by Devon Cruickshank

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I had just started a new job and because of the distance I changed apartments too. The move was a good one because it saved time and money and the fact that the new job came with an increase everything was great. The only problem was that I was forced to spend most of my savings on the move and when the holiday period came up I didn't have enough for the kind of holiday I was used to.I shop at M&S and recently found out about their loan services so I took the opportunity and applied online for a personal loan of £3000 and selected to repay over 2 years. To my surprise the loan was approved almost immediately. Their credit checks must have been positive because all I then had to do was sign the loan agreement and the money was in my account.I really appreciated their promptness and if the need arises I will surely use them again.

Review posted by Jason Jenner

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My wife and I are lucky enough to have been blessed with four children all under 7 years of age, two being twins. We also have very strenuous jobs and when we get home the little ones want and demand our attention so by the time they get to bed we are so tired and the next day the same all over again.My sister in law kindly offered to babysit for a week. so her and her husband will be staying at our house while we go on a week's break. Luckily our children love them and will be spoilt to pieces.We decided on a Mediterranean cruise and thought it best not to use our savings so we filled in an online application with M&S BANK for a personal loan of £6000 and also requested a 2 year monthly instalment repayment plan. We understand that they need to do credit checks and it wasn't long before our loan was approved and once we'd signed the loan agreement the money was transferred to our account. I cannot ever recall asking for credit being so easy. We have already booked our cruise and are really looking forward to it. Thank you so much M&S BANK.

Review posted by Gordon Meyer

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Marks and Spencers Bank is already very popular it seems , so I decided to try take out a loan with them to see if they played up to their reputation.My family has shopped with them for many years , but we had never used them with regards to financing.As I needed to borrow some money to help my brother with his study expenses, I applied for the £8000 with M&S.I had a store card and was offered a low interest rate deal and allowed to repay it over 60 months, although I opted for 48 months instead.My application was taken up on line and It was uncomplicated.The loan was approved with no red tape.I can give them a positive review overall as I was pleased with their services. Hope others will be too.

Review posted by Mark Waterson

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It was our 20th wedding anniversary this summer and therefore a very special time for my wife and I. We wanted to do something special so we chose to go to India to visit our family for 3 weeks. It meant seeing all the children in the family but also taking gifts for everyone. We took out a loan with Lloyds bank, same as we had done about 6 years ago. This time we asked for £5000 to ensure that we would not be counting the coins. We like to work with Lloyds and one of the reasons is because we can opt to only start paying the first installment 3 months after receiving the loan. This is very good as there is no stress at all and we can plan our lives accordingly. Just like they did 6 years ago, Lloyds approved our application in a quick space of time and made the funds available in our account. We had a wonderful holiday and just started paying them off now. Great bank.

Review posted by Pinder Singh

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I have been a client of Marks and Spencer´s , the banking side since 2004 and have not been able to complain so far. We all know that they are running a business, so obviously we have to pay bank charges and fees etc, but what I really like is that they are professional and quick in their decisions when it comes to applying for a loan. I´ve borrowed from them before, once to buy a small car, another time as I just needed some extra quick cash and this last time for my summer holiday. I always chose to not pay the first 3 months installments and during that period they just charge me the interest. It´s a good offer as it takes the pressure right off. This time I borrowed £2000 over 24 months and the interest was acceptable. No fuzz and smooth. What more do I need? Thank you yet again Lloyds.

Review posted by Malcolm Ross

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I regularly take out loans. I know they're expensive but I find them convenient and to me convenience has a value. The last time however, was a personal loan as the amount was a bit more substantial. In fact I was after £8000 and so I applied online with M&S BANK who were recommended to me and it was all so simple. They carried out their regular credit checks and the loan was approved. I didn't want to put any pressure on myself with the instalments so requested that a 3 year repayment plan be utilised via a standing debit order so that I wouldn't miss a payment. The money was soon in my account and I will certainly use M&S BANK again if ever I feel the need.

Review posted by Christopher Malloy

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It wasn't too long ago that I needed a fair sum of money to do a bit of refurbishing at home and my wife who is the shopping queen suggested we ask M&S BANK for a personal loan. I had no idea they gave personal loans but we went on line and requested £8000 to be repaid over 4 years. We decided on a longer payback period because it was for the house and also we didn't want to feel any pressure. Our credit record is positive and without much red tape the loan was approved and after signing the loan agreement the money was transferred to our account. Needless to say we think very highly of M&S BANK.

Review posted by Bryce Ferguson

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I'd heard that M&S now offer banking services as well so what better bank to approach than M&S . Their service has been exemplary for years and satisfaction was really all they wanted for their clients. We needed a kitchen makeover at home and the wife chose the one she wanted. A bit on the expensive side but beautiful nontheless. We applied online and asked for £8000 to be settled over 4 years. It was a long period but we weren't going anywhere and the instalments suited us. They did the usual credit checks and the loan was approved. All that remained was to wait very briefly for the loan agreement which we signed and returned and the money was transferred to our account. M&S BANK are great!

Review posted by Stuart Taylor

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Hello my name is Kenny and my wife and I have shopped at M&S for years and a short while back we needed some refurbishing at our house which we thought we'd do as our son, his wife and their new baby were coming to live with us for a while and this would be happenind in about 2 months time. So we applied online and filled in the loan request asking for £4000 and choosing the 2 year repayment plan. It wasn't long and the loan was approved. Our credit score must have been quite high because as soon as we signed the loan agreement the money was made available and we could start the work at home. I thank M&S BANK for treating this loan with the urgency they did and we will certainly recommend them.

Review posted by Kenneth Watts

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I saw a car that I really wanted. It was a collector's MG MGB but it needed some work. The owner was a bit desperate and the car had been standing for a number of years. He wanted £3000 and I did some research and being a motor mac myself I knew that with help from the necessary people I could restore the car to its original beauty. I applied online for a personal loan from M&S BAnk asking for £7000 and wanting to pay back over 3 years. The loan was approved due to my positve credit score I suppose and I then just had to sign the loan agreement and the funds were available. I now have the MG and have already begun the restoration work and am thrilled. All thanks to M&S BANK!

Review posted by Andrew Davidson

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Our two girls are now 10 and 12 years old repectively and I'm sure you will agree with me that when daughters reach that age they need their own bathroom and so do the parents. So we are doing a bit of renovation and creating an ensuite bathroom in our bedroom. The girls are thrilled about it too. We decided to ask M&S BANK for a personal loan of £8000 which was about the amount we needed. It was so uncomplicated. Everything was carried out online and the loan was approved very quickly. We furnished them with our credit history and our score must have been quite high as the next thing we had to do was sign the loan agreement and the money was transferred to our account with us having to settle the debt by way of 60 equal monthly instalments which suited us perfectly.The work has begun on our bathroom and we can't wait for this facelift.

Review posted by Chris Jennings

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I must have read about more than 10 financial institutions. How they work, what they offer, what the interest rate and fees are...but fell in love with what M&S Bank, as others paled in comparison.Allowing a borrower, a 3 month´s breathing gap, at the beginning of their loan repayment date, is simply brilliant!!The moment I saw this, that was the end of my searching and I immediately applied with them.What a pleasure to take out the loan and only pay interest in the first 3 months!They authorized my request to take out a personal loan of £5000 so I could go on a long honeymoon with my bride and charged me a very good interest rate.Their decision was made instantly whilst I was on line.Amazing service! I congratulate them.

Review posted by Frank Leahy

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M&S Bank is one of the few banks who lend money to people under 21 years old. I found this out after searching on line for a bank who I could borrow from. As I´m only 20 years old, I did run into some difficulties, until I found M&S Bank. They were not bothered about my age, but did verify that I earned the £14000 per year that I stated I did. I only needed a small amount of £1000 to see me through Xmas as I had overspent and was a little short for Xmas presents. I was delighted that my application was approved and that I´m able to enjoy a nice Xmas with some money. Thank you M&S Bank.

Review posted by Mathew Anderson

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I wanted to go to the island of Madeira to spend New Years eve as I believe it has one of the prettiest fire work displays in the world. I found a 5 star hotel on the beach front with a magnificent view to the sea where boats are placed all over to launch the rockets. I booked a one week holiday for myself and my wife. I was a little in need of some financial assistance, so applied to M

Review posted by Robert Janssen

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M&S Bank offer a range of flexible loans as I could myself verify when I was comparing them to other institutions. I am a hairdresser and needed to go overseas to Italy to buy new tints and hair care products for my salon. I phoned M&S and applied for a £3000 personal loan. The assistant on the other side of the line was very helpful and helped me along with the application. As the salon is not too busy in January and February she told me I could apply to only pay interest in the first 3 months, and thereafter start paying the normal installments. This was excellent information, which I accepted gladly. I got the loan, will be paying over 3 years and I could not have afforded this without M&S´s assistance. I am extremely grateful to the Bank and the lady who helped me.

Review posted by Martha Jones

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I live in a beautifull house in the countryside which is fully paid off. No more mortgage which is a good feeling. I have asked my husband to build us an extention with a sauna and a jacuzi, as its something I always wanted. This way I can use the home gym instead of going to our local one. He said yes. He made an application with M&S for £8000 and the loan was granted. I knew it would be, as we have no loans, no bad debt and earn good money. We are happy to be dealing with M&S as they are one of the best Banks out there, in my opinnion. We will be repaying over a period of 4 years so that the installments are low. Good interest rate was offered:)

Review posted by Maria and John Walters

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It wasn't too much of a loan I was after. In fact I could have gone for a payday loan but when I saw how good and flexible M&S BANK were with their personal loans and the better rates I didn't hesitate to apply online with them for a personal loan of £4000 to pay back over a 2 year period. Obviously there were certain credibility and affordability checks they had to carry out but once this was done the loan was approved.All I then had to do was to sign the loan agreement. I also signed a standing debit order to ensure that I didn't default on the repayments. Before I knew it the money was in my bank account. I was looking forward to a good Christmas thanks to M&S BANK.

Review posted by Vernon Draper

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I am an M&S cardholder and for a while have been considering replacing the family vehicle. In the past I'd always paid cash for our cars but that always led to us buying underperformance cars with regular repair bills. So this time we decided to apply for a personal loan from M&S BANK and buy something really nice and just 2 years old with a low mileage.And that's exactly what we did. Our online application for a personal loan of £10000 was approved and we opted to repay over 4 years. Certain credit checks were carried out and as soon as the loan agreement was signed the money was in our account. The whole process took about a week and M&S Bank rates and service are great.

Review posted by Gavin Foster

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I had been doing some renovations at home and everything had been going really smoothly. In fact we had planned for everything to be done by Xmas when the unthinkable happened. Correct! I kinda ran out of funds. I was left with no choice but to take out a personal loan. We needed to do this quickly and I just thought that M&S BANK would be our best option.We went on line and asked for a personal loan of £5000 and also requested the 2 year repayment schedule. We submitted all the details required regarding our credit history and the loan was approved. W e appreciated so much their promptness because it wasn't long before the funds were at our disposal. We've almost completed the work at home and in time for Xmas all thanks to M&S BANK.

Review posted by Bruno Stephenson

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Several unexpected bills earlier in the year meant my savings were almost depleted and without this loan from M&S Bank I was starting to worry about how I would get through Christmas without disappointing my children who had already written their very long lists to Santa!My husband suggested we take out a personal loan and left me with the task of finding a suitable one. Unfortunately our bank was not an option but a good friend of mine suggested trying M&S Bank and so that's just what I did. The online application process was very easy and straightforward and I was even able to arrange for a 3 month payment break to take the pressure off our finances over the Christmas period. I am absolutely delighted that I chose to go with M&S for this loan and would recommend them to any of my family and friends.

Review posted by JennyAnn

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My wife and I are going to spend Christmas in South Africa visiting our son and his family and it is all thanks to this marvellous loan from M&S Bank. We are both retired now and although we have a reasonable income from both our pensions we didn't have the sort of spare money we needed for this trip. My son had offered to pay our fares but we were determined to afford this trip ourselves.My wife did all the application for the loan over the telephone but when we were approved the loan we were so delighted that we wanted to post this review to say how happy we are that we chose to go with M&S Bank. We do a lot of our shopping in their stores but we never dreamed we would be visiting our son courtesy of M&S too. The wife is busy shopping for gifts to take with us and they'll be from M&S no doubt!

Review posted by Lionel K.

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Out of the blue my sister in Australia invited me to spend Christmas with them this year. I am a widow and money is very tight even though I have a small pension and a part time job. I really wanted to make the trip but the short notice meant I hadn't much money to spare so a colleague at work suggested I take out a personal loan.I had never done anything like this before as my late husband used to deal with all our finances. So I was quite nervous when I first went online and started looking at the loan comparison website. I don't mind admitting that I was immediately drawn to the M&S website because they are a company I am very familiar with and I have had their store card for several years. Before I knew it I had applied for the loan and had it approved.I am thrilled that I can now accept my sister's invitation and my next job is to start booking my flights. That's something else my husband always used to do but I think I can manage that.

Review posted by Barbara H.

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I like to give credit where credit is due and that is why I am posting this review to say thank you to M&S Bank for the excellent service my wife and I received when we applied for a personal loan recently.We are not particularly good when it comes to using the internet and I don't mind admitting we got ourselves into a bit of a muddle when we attempted to make the online application. However we are much happier with the good old fashioned telephone and after a nice conversation with M&S Bank customer services we were able to complete the application and get our loan approved.Now that the money has been transferred into our bank account we thought this is a good time to say a big thank you to the lovely lady who helped us with our application and of course a big thank you to M&S Bank also.

Review posted by Patrick B.

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My husband said I should post a review to say how pleased I have been with the personal loan M&S have just given me. I have never posted a review before so I am not sure what to say except that I have been a big fan of all things M&S ever since my mum bought me my first grown up M&S underwear for my 16th birthday and the love affair has continued right up to my 60th birthday this year when my daughter bought me some rather glamorous lingerie items. I love all their delicious food as well but to be honest I am struggling to say anything complimentary about anything as boring as a personal loan. However, the loan has meant I can continue to indulge my love affair with all things M&S but this time I'll be buying presents for all the family. So for giving me a very competitive loan without any mountains of paperwork to sign I would just like to say a big thank you to M&S and long may they reign.

Review posted by Nadine Clarkson

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I have taken out a couple of personal loans in recent years both of which were with my bank and I really wasn't very happy with either of them. I hadn't got into the whole online loan comparison website thing and wasn't really aware of just how many other options there were when it came to borrowing money. It wasn't until my best friend told me she had just got a personal loan with M&S to help her with the cost of Christmas presents that I suddenly had my eyes opened to all the other alternatives to my bank who were fast going down in my estimations.With my friends help I applied for this loan with M&S and I was absolutely delighted when it was approved. I got just as good a deal as my friend did with her loan and that made me feel so much happier.My bank will have to go a long way to winning me over the next time I need a loan but now that I have discovered M&S do a great line in personal loans I may never have to go back to my bank for one again anyway.

Review posted by Rita Wilmott

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My brother's twin sons were graduating and they were going to have a party to end all parties and we were invited. The problem was the party was in South Africa. My brother and his family stayed in Souh Africa when the rest of our family moved back to the UK many years ago. This was to be a family reunion of sorts at the same time.We were not going to miss out on this so we applied online with M&S BANK for a personal loan of £5000 with a repayment schedule of 2 years. We always shop at M&S and knew that once they'd done their credit check the loan would be approved.It didn't take long at all and the funds were made available. My brother and his sons were overjoyed at the news and we were grateful to M&S BANK!

Review posted by Lester Milne

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I have always shopped at Marks for my clothes because of their excellent quality, so I do have a store card which I use quite often. I was reading some literature about their other financial services and it inspired me to check out getting a loan from them. I needed replace my computer equipment and some other things and considered borrowing money to do a bulk buying session and getting it done in one go.I went on line and having read the criteria you have to meet, was confident that I was on the right track. I completed the application and submitted it. I was startled that they came back to me so quickly, when they said instant decision, they weren't kidding. I think their application process was very easy and I would recommend M&S Bank to anyone.

Review posted by Hayden D.

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I am always popping into Marks to see what they have new in their clothes line, I love that store. I didn't know they did more than sell clothes, food, household goods etc. I discovered they are a banking institution too. I was pleased to learn this as I wanted to borrow some money to take a trip. I did not want to use my savings and so I gave them a call to discuss their process.Their customer service was so helpful and we talked about the best type of loan for me to take out, the amount to borrow and what the interest rate would be. It was all so clear and understandable. We completed the application while I was on the phone and the lady said I would hear back from them very shortly. She was right, the next day, I was accepted for the loan and the money went into my account really quickly. Great people to work with.

Review posted by Sara Cox

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I have a current account with M&S Bank and I shop frequently in their store. It occurred to me that I should ask them about a loan to help repair my car, I was in an auto accident and it needed fixing. I contemplated getting a loan to fix the car but was not sure who to go to. So obvious choice as I was already participating in their financial services.I looked up their website and it seemed a simple process to apply for a personal loan. I have a store card with them so could take advantage of exclusive deals. I filled out the application and submitted it. They came back to me really quickly and the interest rate and repayment amount was within my budget, so I accepted. The money was in my account within a few days. What a simple process.

Review posted by Terry S.

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My wife told me about Marks having other financial opportunities for their customers so I decided to check out their website. I was considering going to my high street bank for a loan to pay for some unexpected house repairs. When I was on their website I was relieved to see that their interest rates were pretty comparable to the market rate and figured I would fill out an application, there and then, and see what would happen.Their website said you could get an immediate answer and I did. I was happy with the amount the repayments would be and it was doable within my budget. If I had acquired a store card I would have been given a better deal, but I was happy with what I had been offered. I am going to get a store card though for the future. These were good people to work with.

Review posted by Henry L.

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It's amazing what you find out when chatting to folk. I was talking to friends about getting a loan for a motorbike I saw advertised. I really wanted that bike but did not have the available cash and the seller wanted a quick sale. My friend told me about Marks having financial services available, which I did not believe at first, but I looked into it and he was right.I went on line and read up on their website. Their application process seemed pretty straight forward and I believed I fitted the requirements they asked for so I gave it a go. I filled out the application on line and submitted it with fingers crossed. I was lucky, they gave me an immediate decision. The interest rate was not half bad at all and the repayments were doable, so I accepted the offer and I had the money to buy the bike. Very cool.

Review posted by Lance W.

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My husband and I were so pleased with the personal loan agreement we got from M&S Bank that we felt we really ought to take the time to write and say thank you. We like being able to do this online because it help us to keep improving our computer skills as we are still both novices when it comes to using the laptop that our daughter bought us for Christmas last year.We had only ever used our bank when borrowing money over the years but we like to try and keep up with the times and when we heard our friends talking about all the different companies that were offering loans these days we decided to give one of them a try.Once again our computer skills were put to the test but we were eventually successful with our online loan application with M&S Bank. We read all about their loans on the Readies loan comparison website that our daughter told us to look at. It really did give us an enormous amount of help in choosing the right lender and as that happens to be M&S we would like to say once again how delighted we are with the loan we have with them and we feel we should also say what a very helpful website the Readies loan comparison proved to be for us. They really did make the task of finding the right loan so much easier.

Review posted by Grace Parker

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My daughters and I are big fans of all things M&S from the clothes right down to the quality of their food. So I suppose it is no surprise that we all have taken out personal loans with M&S over the years. In particular my youngest daughter must single handedly keep M&S profits up because she is always buying one of their products. She helped me to get this personal loan in time for me to book a surprise cruise for me and her dad to celebrate our 45th wedding anniversary.Now that all the cruise plans have been finalised I thought it would be a nice thing if I wrote this review (encouraged by all 3 daughters I might say) to say what a magnificent company M&S Bank have proved to be and being one of their biggest fans I wouldn't expect anything less.

Review posted by Betty Clarke

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We do the bulk of our shopping at M&S. We enjoy the quality and the friendliness of the staff. They always try to please. So a short while back when we found ourselves in a bit of a tight squeeze the convenient thing to do was to apply online for a personal loan of £5000 from M&S bank which we agreed to repay over 2 years. As we are M&S cardholders evrything was very quick and the rates unbeatable. We just had to sign the loan agreement and the money was in our account.Really nice having M&S BANK around.

Review posted by Fabian Rothwell

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I had been meaning to apply for a personal loan for about the last 6 months but kept putting it off. Then suddenly the Christmas adverts on the TV started and I realised I had better get a move on if I wanted to have the money to pay for the extra expense that comes with having a large family to buy presents for.I have had a number of loans from M&S Bank over recent years so I know how quick and efficient they can be so I didn't panic too much but it is still a great relief when you get that immediate decision and you know it won't take very long for the money to reach your bank account.I have just checked my bank balance and I am happy to say the money is there and so I just wanted to send this review to say thank you very much to M&S Bank for yet again giving me a great loan and ensuring my tardiness doesn't manage to spoil Christmas for my 6 grandchildren who always expect something really special from their grandma each year.

Review posted by Audrey Williams

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My loan from M&S Bank has made my year. I was due to spend Christmas in Ireland with my parents and younger siblings but all the money I had managed to put by throughout the year was swallowed up in one huge bite when my boiler broke down and had to be replaced.A colleague at work had recently got a personal loan from M&S Bank and she recommended them to me so I held my breath and gave them the once over on the internet before taking the plunge and applying for a loan. They said yes immediately and once the usual credit checks had been done I had the money I needed in my bank account in plenty of time to book my flights and do a mad rush of present shopping before I leave for Dublin this weekend.I am very grateful to M&S Bank for the loan because without it I might not be spending Christmas with all my lovely family who I love and miss so much since I have been living and working here in London and with the boiler fixed I know I won't be returning to a freezing cold flat!.

Review posted by Monica L.

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Having finally persuaded my husband to let us spend Christmas in the sun it was down to me to organise it all and that also included getting a small loan to help fund it. I wasn't too worried because I had already done a bit of online research on the readies loan comparison website and knew exactly who to go to for the loan.I had chosen M&S Bank because I had used them once before for a small loan and as they were still offering a really competitive APR for the amount I needed it just seemed silly to waste time looking elsewhere.Once I got the online decision and knew the money was going to be in our account soon I got straight back on to the internet and started looking for our holiday destination. It actually took me longer to decide where I wanted to be eating my Christmas turkey this year than it did to get the loan and now that decision has been made also I just hope I can get some decent prices on our flights.Its a shame M&S don't do flights too or maybe they do and I just haven't heard about it yet.

Review posted by Jo., Kent

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My husband kept promising to sort out a personal loan for us so that we could buy a new 3 piece suite and and a nice big TV in time for Christmas when we were having the whole family over. Time was ticking by and we were into December and the loan hadn't been sorted out and my old settee was beginning to look even shabbier by the day.I finally took matters into my own hands and with the help of my sister in law we went online and applied for the loan with M&S Bank after deciding they were my best option. A week later I got the loan and ordered my new 3 piece suite. I haven't told my husband as I am curious to see at what point he will realise he hasn't sorted the loan out. I doubt it will be when he sits on our new settee because he never notices things like that but I bet the new flat screen TV that I have hidden away in the garage might help make the penny drop when he unwraps it Christmas morning!

Review posted by Helen, E.Sussex

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I felt that I really needed to get away. I'd been working 12 hours a day for the last year and even working my days off. I'm not complaining as it was my choice and I was paid for the extra hours. But now things are a touch different. I'd just met someone who could be special and decided to go off to Ibiza with her for 5 days.As M&S is where I do most of my shopping I decided to apply online with M&S BANK for a personal loan of £5000 to be repaid over 2 years. I wanted this to be a special holiday. The loan was approved once my credit status was verified and a few days later the money was in my account. I thank M&S BANK for being so helpful.

Review posted by Brad Simons

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Bargains come along every once in a while and they need to be snapped up. My neighbour had really gone up in the world and was made executive manager of the company he worked for and the position came with a company vehicle. Out of the blue he asked me if I wanted to buy his car and I think the offer was out of kindness more than anything else and I knew the car was spectacular and when he told me how much he wanted I almost fell over.I wanted that car and would have to take out a personal loan to make up the difference, as we had some savings. We sold our vehicle as well and took out a loan with M&S Bank for £8000. The procedure was quite simple. All done online and approval almost immediately. The usual credit checks followed and the signing of the loan agreement wherein I opted to repay over 3 years. I had the money in a matter of days and I now have a car to be really proud of. I have to thank M&S BANK for their promptness.

Review posted by Glen Hayward

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I love M&S Food, I love M&S Clothes, especially their PJs and I love their Christmas TV adverts. So I really shouldn't be surprised that I love the personal loan I have just taken out with them also.My friends do pull my leg a bit about my obsession with all things M&S but secretly they are all big fans of M&S too. Why else would I always be bumping into one of them when I'm shopping there?Back to the reason for posting this review. This loan is competitive, affordable and convenient. The truth is I most probably would have gone with M&S Bank for this loan even if I weren't such a fan, but we'll never really know will we!

Review posted by Jenni, London

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We were so delighted when we got the loan from M&S Bank that we thought it would be a good idea to say so on this review. We don't usually use the internet for such things and getting our loan this way was a first for us but we liked doing it this way and will probably use the internet a lot more now that we are getting used to it and our new computer.We are amazed that we now have the money in our account as it hardly seems any time at all that we made the application for the loan, but I am going to try another way of using the internet and that is something our daughter is very good at, shopping and hope that everything arrives in time for Christmas and as a lot of it will be from M&S I am sure it will.

Review posted by Betty & Dave, Glasgow

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We moved into the most beautiful little cottage and really loved it. Our two eldest children had moved out and with just three of us the cottage was more than enough. It had cost quite a bit to move but we'd managed. The only problem we had right now was that the cottage had 800 square meters of beautiful land that needed to be fenced in and landscaped to keep our three dogs happy and secure.As we shop regularly at M&S we thought it logical to apply for a small personal loan from M&S BANK to complete the work at home. And that's what we did. We applied online and asked for a personal loan of £6000 to be repaid over two years. This amount was more or less what the work and material was quoted at. the loan was approved very quickly indeed. I think because we are both gainfully employed we were not considered to be a credit risk and within a few days the money was in our possession and the work had begun.We thank M&S BANK very much.

Review posted by Jeremy Jones

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Being a M&S cardholder meant I got an exceptionally good deal on my personal loan and because of the amount I was borrowing the 4.1% APR was the most important aspect of the loan for me. It was far better than the APR my bank was offering and it also came with a few extra perks that my bank definitely weren't offering.I have been a big fan of M&S but this personal loan has just confirmed to me that M&S are more than just a great store and I will definitely be telling all my friends about this great personal loan. After all, spreading the word about M&S Bank is the very least I can do to say a big thank you for this loan which means a lot to me.

Review posted by Mary C., Taunton

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I deliberately chose not to apply for my personal loan until the last minute because I knew I would be tempted to blow the money on Christmas presents and stuff.This loan from M&S Bank is very definitely for the purpose of me booking the best ever holiday in 2016 and I have waited quite a while to be able to have this once in a lifetime experience.My friends are all very jealous but I have told them they are welcome to join me and if they can't afford to then they should just give M&S Bank a try for a loan like mine. If not, they'll just have to be content with the postcard and holiday snaps I'll be boring them with when I get home.

Review posted by Lucy E., Bromley

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We are very regular shoppers at M&S and it was while shopping one day that we saw a magazine advertising all the different luxury cruises. My wife insisted that we go on one before we just become too old and she did say we didn't go on honeymoon.We applied online for a personal loan of £6000 not even knowing if it would be enough. Our savings would have to cover the rest if it became necessary. Our loan was approved very quickly indeed. We expected this as we are very careful and thrifty. We then had to sign the loan agreement in which we opted to repay over 2 years. This also suited us as we didn't want to take too long to settle the debt. Within a few days we had the money and all we then did was select the cruise and believe me there is nothing more romantic than a Caribbean cruise. And this was really thanks to M&S BANK!

Review posted by Nicholas Fraser

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My M&S Bank personal loan was approved almost immediately which was the first big plus as far as I am concerned. There is nothing more frustrating and stressful than having to wait ages to hear if you have been approved for a loan especially if the money is needed for an emergency.Once I knew I had been approved the loan I was able to set the wheels in motion for having my boiler replaced and the entire central heating system in my new flat given a complete overhaul. The thought of going through the Winter with no proper working central heating was just too much to bear and coming so soon after Christmas I just didn't have the spare cash to get the work done.I can think of a hundred and one more exciting ways of spending the money but this loan is going to be worth it just so that I can come home to a nice, warm, cosy flat after a long day at work.The second big plus with this loan was getting a really low APR based on my M&S cardholder status which made a big difference to the eventual cost of the loan.I have been very impressed with my first experience of borrowing from M&S Bank and would definitely use the facility again but maybe for something more exciting like a nice holiday.

Review posted by Miranda Rodwell

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We are delighted with our loan from M&S Bank and just wanted to post this review to say so. We are big fans of Marks and Spencer, like most people we shop their at least once a week but their financial services is a new experience for us. We were looking to take out a small loan to pay for a cruise next year and as it will be our 40th wedding anniversary we wanted it to be a really special cruise so hence the need for a bit of extra cash.We started looking on the loan comparison website but didn't have to look too long because we saw what M&S Bank were offering and decided to give them a try and hope we were lucky.Now that we have the loan approved and the money is being transferred to our account shortly we thought it would be nice to say thank you to M&S Bank before we get busy online booking our cruise and once that is done I might have to start thinking about what I'll need to pack for this special cruise so maybe a bit of clothes shopping at M&S is called for.

Review posted by Linda & Keith B.

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We said that once we got Christmas out of the way we would take out a small personal loan to enable us to do a few home improvements on the house and put the rest aside for our Summer holiday. So that is precisely what we have done and I am delighted to say that we have just had the approval for the loan after making the application online.We have never used the internet for anything like this before but we were very impressed with how easy it made things for us. Once we had looked at the loan comparison website and decided on M&S it didn't take us very long at all to fill out the application form and get an almost immediate 'yes' decision.We have also chosen to take a three month repayment break because with the expense of Christmas and our son's 21st birthday coming up in February we would be stretching our monthly finances a bit. We should be back on track by March and ready for our first repayment.

Review posted by Elaine Bickerstaff

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Our daughter is getting married next June and we have taken out this personal loan with M&S Bank to help pay for it. Apart from our mortgage, this is the single biggest financial commitment we have taken on in all our married life so we didn't rush into things and spent several hours going through all the different lenders options with the help of the loan comparison website.My wife in particular is a big fan of the M&S brand but that wasn't what made us choose them for the loan. The simple fact of the matter is that M&S have a very highly regarded Financial Services string to their bow which puts them in the same league as all the high street banks. In fact, our loan comes with an unbeatable APR of 4.1% which none of the other high street lenders were quoting and so in the end the final decision to go with M&S wasn't too difficult at all.

Review posted by Frank Edwards

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I compared loans on moneysupermarket and found M and S to be 1 of the cheapest for a loan of £8000 at a rate of 3.4%. I went ahead and applied online. Within a few hours I received an email saying I had been successful. A few days later a letter came through the post with all the paperwork. Needless to say the rate had jumped to 6.8%. WHAT???? I screamed. I am over 30, own my own home and have an excellent credit score. (I know because I checked my credit score as soon as I saw the rate increase). For what reason was this!!! Maybe it was to get us through the door. Beware!!!!

Review posted by Not happy bunny

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I can't think of a better way to start the new year than to sit down and plan your Summer holiday. That's what me and my partner have just done and it wouldn't have been half as much fun if it weren't for the loan I took out first with M&S Bank.Taking out a loan to book our Summer holiday isn't a regular thing but this year will be a special anniversary for us and we wanted to do something more exotic to celebrate it. Two weeks in Spain wasn't going to be good enough this time. What we had in mind was the Maldives and that wasn't going to come cheap and so the loan would have to be applied for and approved before we got carried away with ourselves and booked the holiday prematurely.Thankfully, our online application went through and we got the approval immediately. Once we knew that loan was approved in principle we started planning our dream holiday.One of the main reasons we chose to get the loan from M&S Bank was the option to take a 3 month payment deferment which is going to be very handy because it will allow us to get up to date with all the debts we have incurred during the Christmas period and by the time the first loan repayment is due we will have got our budget back to normal. If it wasn't for that we might well have struggled a bit with the repayments and we really didn't want that to take the shine off our excitement about finally going to the Maldives which we have been looking forward to for so long.

Review posted by Gina Wainwright

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Last year has been a bit of a roller coaster ride for me and my wife with regards to family matters and my career but now that all that has been sorted and we have a bit of calmness and stability restored to our lives we decided to take a nice cruise around the Med in early Spring before our grandchildren descend upon us for the school Summer holidays.We are using a loan from Marks and Spencer because we don't like delving into our savings too much as that is for emergencies and finally what we will be leaving to our children. We've had a couple of personal loans from Marks and Spencer before and they have always worked out very well for us so it wasn't a hard decision for us to go back to them for this one.Once again we have been given a very competitive APR and the monthly repayments are affordable so that is good enough for us. Being long terms Marks and Spencer cardholders we have often benefited from various deals that they offer and I think is also reflected in this personal loan because it does seem to compare very favourably with some of the other loans that we looked at from other high street lenders.

Review posted by Howard K., Brighton

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We are using our loan from Marks and Spencer to pay for our daughter's wedding. We have several thousand pounds already saved but is no where near enough to pay for everything and we have to make sure that nothing is lacking in this wedding because it is our eldest daughter's wedding and the first one which all the family will be judging us by. Appearances are very important in our family and we have to maintain a very high standard so that the grooms family see that we know how to do things properly.Our choice to go with Marks and Spencer was very easy because we have used them for a loan before and we were extremely happy with the service we received and my husband was even happier with the interest rates they charged us on both these loans.We won't be recommending Marks and Spencer loans to our daughter's new in-laws because there are some things that should be kept private as far as we are concerned and how we pay for our daughters wedding is one of them.

Review posted by Nadia Kaipur

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We hate the winter months and not being able to take a summer holiday last year makes this even worse this year and my wife and I are determined to get away to the sun in 2016. Thats why we have taken out a personal loan with M&S Bank.We scraped through Christmas and managed to spend as little as we could on presents but we still don't have a lot of spare cash. Getting a loan is the only way we can guarantee we will get a nice holiday this year.M&S Bank have approved a loan that is very affordable for us and it is certainly more competitive than the current APR our bank is offering so it wasn't a difficult choice to make. We might even look into the idea of applying for one of their credit cards which would come in very handy when we are on holiday. If they are offering rates as good as the one on our loan we will definitely give it serious consideration.

Review posted by Oscar B.

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We decided that we would take out a personal to enable us to clear all our credit card debts which had taken a real hammering in the build up to Christmas. We wanted to start 2016 with as few debts as we could and consolidating all our credit card debts into one affordable and easy loan was the most sensible way of doing this. We have lots of friends who are doing a similar thing and so we know it makes sense.We chose to get our loan with M&S Bank because we have a store card and a credit card with them and we are going to limit the use of our credit cards to just the M&S one which will make things easier also. We didn't opt for a repayment break because we just want to get straight into paying off the loan as quickly as possible but having that option if we needed it was nice to know.

Review posted by Helen G.

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By the Summer I should be back on track with my finances thanks to the personal loan M&S Bank have given me. Together with the 3 month repayment break M&S Bank have agreed for me I will have had time to sort my monthly budget out and get back to my usual careful management of my money.This loan is a one off because I don't plan on splashing the cash as much as I did last year which had a disastrous effect on my bank balance but I have learned my lesson and that won't be something I repeat in a hurry. I really want to be able to afford a nice holiday this Summer and if I stick to my new controlled spending regime that should be possible without compromising my monthly loan repayments.

Review posted by Raechel Sinclair

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I am an M&S cardholder and in the past had never used M&S for anything other than shopping. And that goes for the whole family. I'd had a bit of bad luck and had to use most of the money we'd saved. It was a personal matter and it's now all sorted out and to make things even better we decided to apply for a personal loan with M&S BANK for £5000 so the wife and I could get away and have a real break on a Mediterranean cruise.We did everything online and the loan was approved as soon as our credit and financial details were confirmed. We decided to repay over two years and as soon as we'd signed the loan agreement the money was transferred to our account.We both feel like new people after our magnificent holiday and would without hesitation recommend the cruise and M&S BANK.

Review posted by Wesley Norton

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Being a loyal M&S shopper when the need arose I applied online for a personal loan from M&S BANK and asked for £4000 to repay over 2 years. There were certain details that they needed to check out in terms of employment and finances and soon thereafter the loan was approved. Having gone online to compare rates I felt that I'd done the right thing.I then had to sign the loan agreement and the money was transferred to my account. I also signed a debit order ensuring that the instalments would be made on time each month.I thank M&S BANK for their promptness.

Review posted by Colin Weston

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I don't know anyone who doesn't love at least one thing about M&S, be it the clothes, the food and even the furniture they sell. Personally I love it all and I am glad to say that I can add M&S personal loans to that list now.I have just been persuaded by my friend to take out a loan to pay for a holiday to Dubai and I couldn't afford the holiday without the loan but I can easily afford the monthly repayments on this loan so it was an easy choice to make.I didn't chose to apply for the 3 month repayment break that M&S Bank were advertising because when I got the loan I just wanted to start paying it off immediately. After all, the sooner this loan is paid off the sooner I can apply for another one next year!

Review posted by Ariana Constantinou

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Our personal loan from M&S Bank has just been finalised and the money is now in our bank account so we thought we would comment on our experience of this first time ever loan with M&S Bank.Up to now we had always gone to our own bank for any financial matters but over the years we have noticed that more and more of our friends are using the services of some of the less conventional lenders and in particular quite a few people we know use M&S Bank for lots of things including credit cards and even current accounts.We're not quite ready to ditch our own bank in favour of M&S Bank but we have been so impressed with the service we have received during the application for this loan and the very competitive rate that we are being charged on this loan that we wanted to pass this on to other potential borrowers.

Review posted by Jacky Mathers

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I needed a loan a short while ago and searched on line for that very special deal. I had in the past regularly taken out pay day loans but found out that they were really expensive and the amount was never enough to really tide you over.We shop regularly at M&S and my wife is a cardholder and when I saw how good their loan rates were I felt compelled to take out a personal loan. We filled out the application online and asked for £4000 to be repaid via 24 monthly instalments. The loan was approved promptly and just in time for Xmas.M&S BANK really try and help their clients.

Review posted by James Sutton

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I wanted to write this little message to let other people know, in case that they are considering applying for a loan with M&S Bank, that they are not a bad option.I requested £4000 to help out my son and daughter in law, applying to pay it over a 3 year period.The loan was granted in a short period of time and the interest rate doesnt seem to be excessive.Overall I would say they were pretty professional, so Ill risk recommending them based on my experience.I was hesitant at first as I didnt really see them as a financial institution, but as I heard good references about them, I decided to give it a bash and am not, so far disappointed.Not a bad bet.

Review posted by Adrian Kling

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I am the godmother of a good friends daughter and offered to pay for the brides wedding dress as well as the bride maids too.I was astounded as to the cost and had forgotten that the bride has expensive taste.This set me back more than 2K so I saw the need to apply for a personal loan so that I would not be forced to touch my savings.By splitting the payments over 24 months, the installments will be so low that I will not feel the punch.As Im a loyal and happy client of M&S retail company and have been for years, it seemed fair to try them out on the financial side.Applying was simple and the positive reply equally.Thanks M&S once again for not disappointing me.

Review posted by Gillian Hattingh

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I was undecided as to which financial institution to approach with regard to getting a loan of £3000 , money needed to help my son go travel accross Europe for 3 months.After very carefully weighing up all the options, comparing interest rates and so on, I decided on M&S, mainly for one strong reason.They allow a client a 3 month payment deferment at the start of the loan repayments, meaning that if for example you apply for a loan in January, you only pay your first installment 3 months later.Sure the interest has to be paid for that period, but that is a small amount.This , in my opinion is a powerful and helpful point that many clients are unaware of.Thanks to M&S my son is now overseas already.

Review posted by Eva Parman

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I am a young lady and I work for a boutique in Manchester.I do not earn a huge salary, but I have no debt apart from my small car installment .This Xmas I felt the urge to go and have a week in the sun, saw on the net that the weather in the Algarve was warm and the sun was shining and couldnt resist the temptation.All I needed was £1000 to have a nice fabulous break and Lord knew I needed it.I applied to M&S for the loan and immediately requested to start paying it back in full only in March, so as to give me some breathing space....as I would have to get back on my feet to recover from the Xmas overspending.The loan was approved. It was explained to me though, that I would have to pay interest over the first 3 months, though not the normal installment.I went on my holiday and had a blast!I will gladly pay M&S back with a smile. Im grateful they gave me the loan.

Review posted by Olivia Walin

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I know that I am young and that I had never applied for a loan before, but unless you are rich, this is something that I think sooner or later happens to everyone.My parents advised me against it, as Ill only be 19 next month, so they feel Im too young, but I do have a good job and earn just over £11 000 per year so I felt I deserved to go with my friends on a stag weekend and bite the bullet.I compared the interest rates and fees of various institutions, but was rather happy with what M&S offered, so settled for them.Fortunately they said yes to my request for £1000, payable over 12 months, so I became a borrower.Had a great time at the stag weekend and met pretty lovely girls.It is worth it!

Review posted by Vincent Ross

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I am Anita a 22 year old girl that totally loves shopping.I buy many of my clothes at Marks and Spencer and all these years had not noticed that they also lent out money.When my best friend told me, I actually thought that she was pulling my leg, but I soon realised she wasn´t.I remembered this, when at Christmas time I ran out of cash because of buying so many gifts and decided to have a try and ask them if they would give me a small personal loan of £1000 just to take off the pressure a bit.They approved it and allowed me to pay just interest in the first 3 months, starting the main payments 3 months later.I was delighted. I want to pay them back over 12 months, get a good credit score, in case I need to borrow in the future again.The interest rate was one of the lowest I found on line so I think they were a good choice.

Review posted by Anita Brown

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I already have an insurance policy with M&S and have always found them a great company to work with, they are customer friendly to say the least. Knowing that they have other financial markets that they deal in, I wondered about a personal loan with them as I was thinking about getting a upgraded vehicle. The interest rates they advertise are very reasonable when you compare them with the car dealership credit companies. So I decided to give them a try.I was not disappointed, after filling out an application on line, having provided all my details, I received an immediate response. True to their word, the interest rate was as they said and I could afford the repayment amount over the term I wanted, this was a very satisfying transaction. I had the money in my account shortly after applying. A good financial outfit to work with, highly recommend them to anyone.

Review posted by Douglas T.

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I wanted to consolidate some small debts I had incurred so that I would have just one payment to worry about. Being a customer of Marks for some years, I hold a store card and was aware that they offered other financial services. It seemed a sensible idea to pay off these debts and obtain an interest rate that was more affordable for my budget.I called the M&S Bank to ask some clarifying questions and was assured that the on line application was pretty simple and could be done at any time, when convenient for me. So I decided to go for the on line application.It was pretty easy and I was able to access an exclusive deal on a personal loan because I was a card holder, what a bonus. It was also good to know that I could take a deferment on a payment or two if I needed at the beginning of the loan. I submitted the form and received an immediate decision, which I accepted. It felt good to pay off all those small debts and just have to concentrate on one payment with an institution that I was happy with.

Review posted by Sara B.

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Remodeling your home can be a very expensive undertaking, and we did not want to spend all of our savings to do this project. We decided to find a loan company to finance this endeavor and after some thought, because we have been customers of Marks and Spencers, decided to try them for a personal loan.I can honestly say that I did not know that Marks dealt in financial markets until I read one of their posters when last shopping in our local store. The poster said that if we were a card holder, which we are, we could get an even better deal, so that is why we decided to give it a go.I went onto their website and looked at the application and read up on their terms and conditions. They all seemed fairly reasonable and the interest rates, so we completed the form and submitted it. We did not go over the top on asking for a lot of money as we did not want to make payments for a long period of time. We were pleasantly surprised when they came back pretty quickly with an offer of a personal loan with the terms we wanted and a decent interest rate. We are so glad we decided to go with M&S Bank.

Review posted by Neil C.

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I landed a pretty good job after university and have been working at the same place now for a few years. My salary is reasonable and the job is stable as far as I can tell. I had been thinking for a while that it would be a good idea to apply to some one for a personal loan to cover my student loans. I had talked this over with my folks and they pointed me towards Marks and Spencers financial services. I did not know about their lending services and other things they did.I pulled up their website and looked at what they could offer, it all seemed straight forward and I could understand what their statements were implying. So with the parents encouragement, I applied on line to see what result I could get. I was totally surprised at the speed with which they responded and with an offer I could afford. The interest rate was good and I decided to agree to their terms and accepted. By the end of the week, the loan amount was in my bank, way to go M&S.

Review posted by Toby F.

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Being an avid animal lover, I would do anything for my pets. When my horse became ill and I could see enormous vet bills looming, I needed to obtain some additional money to finance his care and recovery. I did not hesitate to start researching how I could achieve this aim.A friend told me about M&S Bank and that I might consider applying to them for a personal loan. I have shopped at Marks for several years, but did not know they offered loans. I looked up their website and decided to actually talk to a customer service representative, so obtained their telephone number from the site.A customer service representative was so friendly and obliging and made me feel at ease about applying for a personal loan with them. She assisted me in completing the loan application and said I would hear back from them in a day or so. I did hear back fairly quickly and they offered me a personal loan that I could easily repay. What a relief, now I can talk to my vet with confidence and will not have to worry about the expense. Very nice people to deal with M&S Bank.

Review posted by Cindy T.

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My mum and dad helped me with the application of this loan because they wanted to make sure I didn't end up with the wrong type of loan and I am really glad they did because there are so many lenders to chose from and I am still not really sure what impact the APR has on a loan but my dad does and so that's the main thing.We decided on M&S Bank because dad wanted me to get an APR as close to the 4.1% that M&S were advertising for my loan amount and dad was delighted when I got it and I was delighted because my dad was delighted and that is always a good thing in our family. If dad's happy we all benefit from his good mood as he becomes overly generous.Well now that I have got this loan dad doesn't have to be overly generous to me because I have the money to do what I want with regards to my new flat but if mum and dad want to buy me something very expensive like a flat screen TV as a house warming present then I won't say no.

Review posted by Jade Falcotti

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I made the right decision going to M&S Bank for my loan because they processed the loan quicker than it took me to choose my girlfriends engagement ring. It was a bit of a spur of the moment decision to propose on her birthday which didn't give me a lot of time but once I had done the online application and got an immediate approval I just had to take my chances that the money would come through in time. I was really happy with the APR I got for the loan and didn't want to lose out on such a competitive offer. I decided if the money wasn't through in time for her birthday I would just have to wait until Valentine's Day which is really corny and predictable and not my style at all.Fortunately I haven't had to forgo my stylish and totally unexpected proposal and getting down on one knee in the middle of M&S food hall while doing our usual ritual of shopping for our dinner tomorrow will be perfect and somewhat appropriate don't you think?

Review posted by Kieran Donoghue

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My parents are paying for my wedding but my partner and I wanted to pay for the honeymoon because it is going to cost us almost as much as the wedding reception and my partner and I didn't want to impose any more financial burden on them.My loan from M&S Bank will cover half the cost of the honeymoon and my partner has already reserved some of his yearly bonus to pay for the rest of it. 3 weeks in the best hotel in the Maldives doesn't come cheap but we want our honeymoon to be perfect before we settle down to married life and starting a family.Once we are married paying off the M&S loan will be our joint responsibility but I will be making the monthly repayments from my own bank account because I'm not ready to relinquish my independence quite so quickly but my husband to be admires that quality in me or so he tells me!

Review posted by Pashi J., Luton

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M&S Bank weren't my first choice when I started thinking about getting a personal loan to buy a new car, my bank was, but as soon as I realised my own bank weren't going to be able to offer a competitive enough rate I had to look elsewhere.The loan comparison website was a great help and I didn't have to spend too long comparing lenders before I decided on M&S Bank. They just seemed to tick all the right boxes for me especially with the 4.1% APR they were offering. I shop quite a bit in their stores and have a store card which was taken into consideration when they gave me my quote.With M&S being one of the most well know retailers they have a great reputation and their financial services are just as popular. Loads of my friends have taken loans out with them. So I know I am in good company with this loan and I hope my review is a help to other people who are undecided about who to go to for their loan.

Review posted by Ms C.J., Kent

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This is my third loan from M&S Bank and I thought that maybe I should post a comment this time to say why I am happy to keep going to M&S Bank when I need a loan.I'm not really sure what to say except that the first loan went really well and I got a great APR and easily affordable monthly repayments. When I needed another loan two years later I gave my own bank a call and got such a negative response to my enquiry that it put me right off and I thought stuff them I'll just go back to M&S Bank which I did and got myself another very competitive loan. So when I needed this third loan I wasn't even going to give my own bank a second chance because I seem to be on to a good thing with M&S Bank and so I'm just going to stick with them for now.

Review posted by Caron M., Leigh-on-Sea, Essex

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I want to say thank you so much to Marks and Spencer bank for giving me this loan. I applied for the loan with them on my friends recommendation and because she has a really good head on her shoulders and is always giving me good advice about things, money matters in particular I knew it was a good decision to get my loan from Marks and Spencer and it was proved right. I have even got a better deal on this loan because I have a M&S storecard which I didn't realise would make any difference to my loan. But that was another bit of good advice from my friend and I do wonder if Marks and Spencer are paying her commission and if they are it is well deserved because she can't say anything bad about Marks and Spencer and I am beginning to feel the same way about them too!

Review posted by Leyla J., London

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We knew from experience that the weather in January is awful and quite regularly we do go abroad for 3 to 4 weeks just to get away from the freezing cold. Our next holiday was going to be in Portugal and we found the perfect resort and at a real bargain.We went online and applied for a personal loan of £3000 from M&S BANK and requested a 2 year repayment plan. We'd used M&S BANK in the past and once again everything went really smoothly and the funds were made available very quickly indeed. We booked our holiday and now have something that we are really looking forward to. Thanks once again M&S BANK!

Review posted by Patrick Simmons

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We've had a couple of loans over the years from M&S Bank and have been very happy with the deals we got on them both. That's why we just went back to them for this loan because we know what we are getting with M&S Bank and we like the way they treat their customers.Our own bank could learn a thing or two about customer relations from M&S Bank, they have let us down several times with their poor customer service and lack of incentives when looking to borrow small amounts from them.No matter how big or small the loan you are getting with M&S Bank you get the same excellent customer service and we know that from personal experience because we have had small loans and now this much larger one which is to pay for our daughters wedding.Our own bank may well have been more eager to lend us the money on this occasion but we didn't even give them the chance because we were more than happy to go back to M&S Bank.

Review posted by Pat M., Slough

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I am very satisfied with the way the M&S Bank customer services people helped me when I was applying for my personal loan. I experienced a little bit of trouble with the online application but a phone call to their customer services department soon sorted things out for me and they assured me the rest of the application could be finished with them over the phone if I felt that would be easier for me. So I did the rest over the phone and it was marvellous because the young man I dealt with was extremely friendly and helpful and explained everything as we went through the loan process.Now that my loan has been approved and I now have the money in my bank I have ventured back on to my computer to post this review to say how impressed I have been with M&S Bank and how delighted I am to have been approved this loan.

Review posted by Lilian Hargreaves, High Wycombe

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Unexpected expenses like my son taking the car out and having one too many and then taking out the driveway gate and scraping the entire right hand side of the car hit us from time to time. Insurance doesn't pay as the car isn't insured under these circumstances, and the police would have had to have been called. The idea therefore was to take care of it all ourselves.We needed about £4000 to sort out everything and knowing about M&S BANK we approached them online and requested a personal loan of £4000 to settle over two years. My wife is an M&S cardholder and the loan was approved very quickly indeed after their usual credit check.After signing the loan documents the money was transferred to our account and the repairs began. My son said he would pay the monthly instalments but that is to be seen to be believed.But all our thanks go to TESCO BANK for their professionalism and understanding.

Review posted by Phillip Atkinson

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We chose our lender by using the loan comparison website and it was a very useful and fast way of comparing all the options before making our final choice.We ended up choosing M&S Bank because they were one of the most competitive but also because we were having to borrow this money so soon after Christmas we liked that M&S Bank were giving you the option to defer payment on the loan for the first three months.For us that meant being able to get ourselves back on track with our monthly budget and not have to worry about that first repayment until March by which time we will be in a much better position and won't find it a struggle making our budget stretch a bit further to cover this loan.

Review posted by Colin Dalton

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Hardly a week goes by that my wife doesn't come home with something she has purchased from Marks and Spencer. The family joke that she alone keeps the profits up for them. So I suppose I shouldn't be too surprised that we have ended up going to Marks and Spencer for this personal loan. We've had a storecard with them since they were first introduced and it gets used quite regularly.We're taking out a loan to pay for some new furniture and I'm not sure where the wife intends to shop for it but I have a feeling it will be Marks and Spencer if she can possibly help it. They sell very good quality furniture so I don't mind so long as I get a nice recliner armchair so I can relax and put my feet up when I get home from work. As its me that's paying the loan I think that is only fair.

Review posted by Denis Crowther

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M&S Bank weren't the first lender I thought of when I was looking for my personal loan but when I started comparing all the lenders that were advertising on the loan comparison website I realised that being a M&S store card holder might be of benefit to me with this loan.As I wanted to borrow enough to buy my daughter a car for her 21st birthday the APR on a loan for such a large sum of money was a very important factor for me. M&S Bank were advertising an APR of 4.1% and that was my main reason for going with them for the loan.The final loan package they put together for me worked out to be a much better option than the one my own bank were offering and I also took advantage of the 3 month repayment holiday which means my daughter's 21st birthday party can be catered for before I have to start making the repayments in March which will be a great help to me.I am very pleased with this loan from M&S Bank and would definitely consider using them again.

Review posted by Susan Baxter

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We're finally getting our new kitchen and it's all down to this superb loan from M&S Bank. We did our search online having chosen three lenders who were offering the lowest APRs to make our final choice from. M&S Bank were one of those lenders offering a potential 4.1% APR which was the lowest we had come across.We have a M&S store card so we were hoping that would have some influence on the APR we were quoted together with the amount we wanted to borrow. And we were delighted when that proved to be the case. Not only did we get the 4.1% APR but we were able to spread the repayments out over a 2 year period making the monthly repayments very affordable for us.The next task we have is choosing our new kitchen and because we have got such a good deal on the loan we can afford to indulge ourselves with a very fancy 'state of the art' coffee machine which is costing almost as much as the kitchen!

Review posted by Mr & Mrs C., Bromley

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M&S BANK would surely have been my last choice as a loan supplier but my wife who regularly shops at M&S pointed me in their direction as we did in fact need to take out a personal loan to do some construction alterations at home.We filled in the loan application online and answered all the relevant questions and the loan for £7000 was approved almost immediately. We also found out that because my wife was an M&S cardholder the APR could be potentially lower than normal.We then just waited a few days for the loan agreement to arrive at home which we signed and returned. A few days later the money was in our account and we thank M&S BANK for their efficiency.

Review posted by Gordon Armstrong

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With Christmas and New Year on the way we just felt an injection of cash would be great. I don't believe that anybody can honestly say that they don't spend more over the holiday period.We had some money saved but felt it better to take out a small personal loan if it wasn't too dear. The next thing was to go online and source the best deal.We logged on to Readies and decided on the company we knew so well and immediately filled in an online application for a personal loan of £3000 from M&S BANK which we'd repay by way of 12 equal monthly payments. The loan was approved and we just had to wait a few days to sign the loan papers and send it back. After a couple more days the money was available and we felt relieved looking forward to the festive season. We knew we could rely on M&S BANK!

Review posted by Denver Pearson

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At one of our regular coffee mornings the subject of Summer holidays came up and in particular how some people with families managed to afford to book them so soon after Christmas. My husband and I always struggle to find the money for anything outside of our regular monthly budget and our holiday usually ends up being a last minute booking that isn't always a great success.It would seem that the answer to avoiding that situation is to take out an affordable personal loan that will allow you to borrow enough to pay the deposit on a nice villa or hotel and book your flights when the prices are at their lowest. Another mistake my husband and I have been making - disappointing holiday resort/hotel coupled with extortionate air fares to add insult to injury.We won't be making that mistake this year because we have just got a brilliant personal loan from M&S Bank and I have booked a really fabulous hotel and got the best prices on our flights. I've even got a bit over to splash out on some new suitcases. After all, we can't arrive at our fabulous hotel with tatty suitcases, can we!

Review posted by Audrey Fletcher

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We've had a current account with M&S Bank in my wife's name for several years and decided we would take advantage of that when looking for a personal loan to pay for our daughter's wedding.Being existing customers of M&S Bank meant we would get a very favourable APR on the loan. We had already enquired at our other bank where we have a joint account and they were not offering as good an APR as M&S Bank so it really wasn't a difficult decision for us.Not only did the M&S Bank loan come with a 4.1% APR but we were also given the option of a 3 month payment break which meant we don't have to start paying back the loan until March, giving us plenty of time to adjust our monthly budget outgoings to be able to facilitate this loan easily.We are very pleased with the terms and conditions of this loan and we're glad we had the sense to open an account with M&S Bank although my wife wants to take full credit for that particular decision.

Review posted by Terry Baxter

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A summer holiday for the wife and I was the plan and although we had some savings we felt a personal loan was the answer.We went online to research the various loan companies and were quite surprised to see that M&S BANK were as good as any of them.We filled in an online application and asked for a personal loan of £4000 choosing to repay over 24 months. We also let them have all the credit details they required and the loan was approved. Their loan is really flexible and their are various benefits that apply but we were just happy to be able to have a pressure free fun in the sun break and will readily recommend M&S BANK.

Review posted by Richard Mason

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Catering for our daughter's wedding will be courtesy of Marks and Spencer but I don't mean that we will be serving up the delicious food they sell. We will be using the very good loan we have just been given by M&S Bank to pay for the wedding reception caterers. It is quite alarming how food that will barely be seen on the plate and will be eaten in a couple of mouthfuls can cost so much to produce. Thankfully we are only having to cater for 100 guests but the cost is still going to give my husband palpitations if he finds out.It is quite ironic really that we are getting this loan from M&S Bank because our daughter is really not a very good cook and her husband to be will most likely be eating Marks and Spencer ready meals most evenings unless we can persuade our daughter to go on some sort of cookery course. She loves the Marks and Spencer food range so I don't hold out much hope!

Review posted by Mrs W., Upper Norwood

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I am more than happy with the personal loan I have just got with M&S Bank. It comes with a very favourable APR and affordable monthly repayments and I have also been allowed to defer these repayments for 3 months which is going to give me plenty of time to settle my finances after Christmas expenses knocked them off course a bit.Once I am back on track the loan will be no problem at all and I am actually feeling extremely positive about this particular loan because it is going to give me so much peace of mind knowing that my finances are healthy and the loan repayments will be taken in my stride once they start.

Review posted by David Irmsley

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When I recently applied to the M&S Bank for a personal loan I was really impressed with their process, so much so, that I had to write a review.I was after buying a car and wanted to have cash in hand when I started looking around at the dealerships. I was aware that Marks had a financial market where they made loans and thought I would give them a try, before going to the high street bank.I rang the number given on the website, I wanted to actually speak with a person rather than go online. The fellow was very pleasant and helpful, he offered some good suggestions. He obviously knew his business by the way he explained the loan process, so this made it very simple. By the end of the day I had a decision which approved me for a personal loan. But I must say, I found M&S to be very efficient.

Review posted by Malcolm Sugden

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The Marks and Spencer's Bank came through for me recently when I applied to the M&S Bank for a personal loan. I was not sure I would be approved as I had never used them before or had a store card with them. I needed to consolidate some debts and just wanted to make one payment. I also wanted to improve on the interest rate I was being charged.I went on line and pulled up their website, I figured if you don't ask you don't get. I completed the application and submitted all the information they asked for. I was really pleased when an immediate decision came back and they approved me. That was hassle free and pretty impressive.

Review posted by Brian Hess

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I transport horses for a living and my horse box has seen better days. I needed to purchase another and when last shopping in Marks saw that they were in the market of giving personal loans. I intended to trade in my current horse box but did not think I would get much for it, I therefore needed an injection of money to fund the new one.I went onto the website of M&S and found out the kind of information they would need and the criteria you had to meet to be considered for a loan. I believed I qualified so I sent off the loan application and hoped it would be successful.I was not disappointed, they came back very quickly and said I was approved for a personal loan pending the check on my credit history. What a deal, good people to deal with.

Review posted by Michelle Stone

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I am a frequent shopper at Marks and I hold a card of theirs which comes in very handy sometimes for special deals. I noticed that they are dealing in other financial markets and because I had been considering a personal loan, thought I might give them an application.I have been finished with university for a couple of years now, but the loans for the tuition never seem to go away. I wondered if I could obtain a personal loan to get rid of the debt and then just concentrate on a bank repayment.I rang the M&S Bank and told them what I was proposing to do and they assisted me in completing an application. Their staff were very friendly and helpful and it was not too long after filing the application that a decision was reached. I am really grateful to them for working with me on this issue.

Review posted by Tammy Duke

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I was researching on line for a loan company last week and came upon the Marks and Spencers bank, M&S, I suppose I was a bit surprised, I did not know they were in the financial scene. I do shop at Marks and like the quality of their products, I also have a card with them. So when I read that you might be eligible for special deals I felt I should apply to them for a personal loan.I have credit card debt and the interest rates keep going up. If I could get a better deal with M&S Bank then I would be a pretty smart individual. So I applied to them for a personal loan, mentioning on the application that I was a card holder. It worked like a charm, I received a really good interest rate so I am one happy chap.

Review posted by Stephen Dunn

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So many of my friends seem to have taken out loans with M&S Bank recently. Some took them out before Christmas, others just after Christmas and I thought they must be big fans of M&S in general but it would seem that is not necessarily the case.Once I had gone online and looked at the M&S website I could see why they had all chosen to get their loans from M&S Bank. If you have a M&S store card, as I do, it means you might be eligible for some really exclusive deals but more importantly an APR as low as 4.1% could be yours also.That was all I needed to convince me to get my first loan from M&S Bank and then to make things even better I took advantage of their three month payment deferment so I don't have to worry about the first repayment until April which is going to be such a great help to me.So you don't have to be a big fan of M&S to get a loan from them but as it turns outs I do happen to be a big fan anyway.

Review posted by Jill N., Kent

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We've not long got back from spending Christmas with our daughter in Australia and our first major task on our return was to sort out the leaky old conservatory that we have. We wanted to take out a loan to get it repaired and then we discovered we would be better off just pulling it down and starting again with nice new modern glass and uvpc frames. That was going to cost far more than the original patch up job so we decided to wait until after Christmas and then get a loan to pay for it.We always planned to use M&S Bank because we had used them before and had been very happy. We got a quote for the new conservatory and then got straight on to M&S Bank for the loan. Within less than a week we have been approved the loan which is great and we have ordered our conservatory from the manufacturers and hope to have the work started within the next couple of weeks.

Review posted by Vic Oliphant

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I love my kids and would do anything for them and my son asked me to help him out with some money as he wanted to open a small business and had saved for it but was £8000 short. He had applied for a personal loan from numerous companies but didn't quite have the credit rating required and was knocked back time and time again.I then applied online with M&S BANK for a personal loan for the £8000 he required and had the loan approved quickly as I knew my credit worthiness would be confirmed. I chose to repay over 3 years knowing my son would cover the repayments and I was there as his backstop.A few days later we had the money. My thanks to M&S BANK for their efficiency.

Review posted by Julian Ashton

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My daughter was living in South Africa and her twin daughters had just begun high school and were having a huge party to celebrate their 13th birthday and my wife and I were both invited and we couldn't say NO because we'd be celebrating our 34th wedding anniversary at the same time.Money was a bit tight so we thought the best was to take out a personal loan. It wasn't something we'd be doing again in a hurry so as M&S cardholders we applied online for a personal loan of £6000 from M&S BANK and were surprised at how simple it was .Very little burocracy and the money was in our account. We signed the loan agreement and also a standing debit order so the instalments would automatically come out of our account for 36 months.M&S BANK were so helpful and helped make this a very special time for us.

Review posted by Theo Harding

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I was delighted when my M&S Bank personal loan was approved and even more delighted with the 4.1% APR they were charging. My M&S store card came in very handy and I have my wife to thank for that because she was the person who instigated getting the store cards for both of us years ago.They have finally paid off by getting this lower rate on our loan but I know my wife would argue that the store cards have been worth it right from the start. She uses them much more than me so she must know what she is talking about. All I care about is getting such a great deal on this loan and I'll leave the store card usage to my better half!

Review posted by James Dawson

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We're paying for our daughter's wedding with the help of a personal loan from M&S Bank. We went to our own bank and casually enquired about what sort of rates they were offering and weren't too impressed with what they came back with. So my wife suggested we go online and compare our bank with other lenders.We were grateful for the handy readies loan comparison website because it made things so much easier for us. I don't think we would have even bothered going to our own bank to enquire if we had know about the readies loan comparison website first.We ended up choosing M&S Bank because we both have store cards which entitled us to amongst other things, special rates on loans. We didn't get the 4.1% they were advertising but it was near enough for us. It was miles better than our own banks rates for the same sort of loan so we didn't mess about, we just got straight onto the M&S website and applied for our loan.We really are very happy with the loan M&S Bank have given us and we know where to go the next time we need a loan. We'll check out the readies loan comparison website first, and who knows, maybe we'll end up with another loan from M&S Bank.

Review posted by Raymond Davies

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I'm moving into my own flat and having been in furnished accommodation for the past 5 years I don't have a stick of furniture to call my own apart from one very rickety chair that used to be my grandmother's and my bed. There was no way I would ever have slept in the flea ridden thing the landlord was offering!I had to get a loan to buy a few essential pieces of furniture and I ended up getting my loan from M&S Bank because they were offering a good deal on their personal loans with a some special exclusive offers as well for their store cardholders of which I am one.I might have been missing out on a slightly lower APR with another lender but the overall package that M&SBank were offering suited me because of what I wanted the loan for. And now that I have the money in my account I will probably be spending quite a bit of it in my local M&S store because they do some really nice furniture and their bedding range is second to none in my opinion.

Review posted by Rachel Burton

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My mum suggested I try M&S Bank for my personal loan as she had used them a couple of times herself and said they were really competitive and I as I was getting fed up looking at the loan comparison website I decided to take her advice because really most of the high street lenders seemed to be offering very similar deals. At the end of the day it just came down to which one you liked the most and for me that was most definitely Marks and Spencer.I shop a lot in M&S and I have had a storecard for as long as I can remember. I had never really taken advantage of any of the exclusive deals they offer their cardholders so maybe this was a good time to do so. Just getting the low APR was enough for me and if I had known that I would be eligible for a lower rate because of being a cardholder I wouldn't have waited for my mum's suggestion. But I'll know for next time!

Review posted by Polly Saunders

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I had applied with about 6 different loan companies and they'd all knocked me back for some reason or another. All I wanted was a personal loan of £8000 to sort out a personal matter. I believe that because I had no debt at all I also had no credit history so I just let it go until now.We shop at M&S and my girlfriend suggested I try M&S BANK and hope. I applied online and asked for £6000 and a 3 year repayment schedule. I furnished them with all the details they required and then some and to my surprise the loan was approved. I then had to wait until the loan agreement was signed and then the money was transferred to my account.I really appreciate their help and will remain loyal to M&S.

Review posted by Tristan Adamson

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Being a long standing customer of Marks and Sparks as we like to call them, I think it is rather nice that I have taken out a personal loan with them and that I have been given such a good loan agreement. It feels like they are paying me back for my loyalty to them over the past 50 years.Back in those early days when all you could buy from Marks was basically ladies knitwear and underwear I never dreamed they would go on to be such a huge brand. I think it is because they have been so successful with their stores that they can afford to be so competitive with their banking and this personal loan seems to prove that for me anyway. I am afraid my own bank might be in danger of becoming redundant to me if this loan is anything to go by!

Review posted by Maggie Austin

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  • Value For Money

M&S Bank have just approved my personal loan and I have to say how pleased I am with the deal I got and the efficient service I have received while applying for it.I used the online facility because I was able to do so during my lunch break and got an immediate decision which would be confirmed as soon as a satisfactory credit check was made. I was on tenterhooks the rest of the afternoon and couldn't concentrate on my work until I got the all clear.I have the loan funds in my account now after only a couple of days since the loan was approved and I am delighted but if I do have to apply for another loan in the future I shall make sure I do it at the weekend so that I don't let it affect my job. My boss was not too impressed with my typing skills that afternoon and threatened to send me on a refresher course. Oh the shame of it!

Review posted by Paula McCluskey

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My son came and spoke to me about his forthcoming engagement. He had met the love of his life and asked me if I would lend him £5000 for the engagement ring and then the stag party which was going to be somewhere in the Algarve.I suggested a personal loan and he told me he had tried and been knocked back because he had no credit history. I then applied for a personal loan with M&S BANK and he was to pay me back within one year. I preferred this arrangement as there was more chance of me getting my money back.The next thing was to apply online for a personal loan of £5000 to repay over 2 years to keep the pressure off. The loan was quickly approved as I DID have a credit rating. All I then had to do was sign the loan agreement and the money was transferred to my account. I then gave it to my son who promised me the world and also begged me not to tell his fiancee where he got the money. M&S BANK are really compliant.

Review posted by Adam Knutzen

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Marks and Spencer seem to be the most popular store amongst our circle of friends. We quite often bump into one of them when we go shopping there. We are M&S Cardholders and we thought we would see how that would benefit us if we took out a personal loan with them. The very favourable 4.1% APR was very appealing and we were sure we wouldn't get that sort of rate from our own bank.We wanted to borrow the money to buy our teenage daughter her first car after she passed her test and getting a good rate on the loan would be quite a substantial saving for us. We were overjoyed when M&S Bank approved our loan with the 4.1% APR. We really couldn't have asked for a better result and we will be telling all our friends about this loan because I am sure they would be very impressed and maybe consider M&S Bank themselves if they should ever need a loan although I suspect one or two of them may already have taken out a loan with them and just not passed on the recommendation.

Review posted by Mr & Mrs F., Leicester

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  • Value For Money

Thank goodness I managed to get my loan from M&S Bank. It means I can get my car back on the road and get back to work without having to rely on lifts from friends and family. Living where I do you can go a bit stir crazy if you don't have your own transport and I had been without my car for several weeks since before Christmas and could see no way of paying for the repairs without getting a personal loan.I finally decided to go online and find a competitive, affordable loan and low and behold M&S Bank were my best option. Once my application was accepted I could relax a bit and when I got confirmation that the funds were on their way to my bank account I got straight on to the garage and got my car booked in for the repairs.It will be money well spent because my car is still a nice car to drive and I don't have any plans to replace it. But if I do I will certainly consider taking out another loan with M&S Bank to pay for it.

Review posted by Dawn P., Canvey Island

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  • Ease Of Use
  • Value For Money

I was looking for a personal loan and decided to make good use of my M&S store card by applying to M&S Bank for the loan. It was offering exclusive deals and offers on personal loans so I figured I would give it it a go and see what the result was.Apart from a slightly lower interest rate there was nothing much else that was of interest to me but I wasn't too disappointed because just getting that lower rate made a big difference to the overall cost of the loan. If I'd gone with my own bank I wouldn't have got as good an APR and there certainly wouldn't have been any exclusive deals or offers. So I think I made a good choice with M&S Bank over my own bank.

Review posted by Mrs. Bridges

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  • Ease Of Use
  • Value For Money

M&S Bank haven't disappointed me with the flexible loan that I have just taken out with them. I was also able to access a lower interest rate because of my wife and me being M&S cardholders. I got a reduction in the interest rate which made a nice little difference on the overall cost of the loan.My wife suggested I try M&S Bank for the loan because she is the one that uses our store card the most so she knew all about the benefits that come with it. For once she has come up with some good financial advice. Usually she leaves all that sort of decision making to me and its nice to know that she can think rationally once in a while but I wouldn't dare say that to her!

Review posted by Mike S., Ilford

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Believe it or not I had a bit too much to drink one night AT HOME and when parking the car in the garage I damaged the neighbour's wall and needless to say the car didn't look too good either.I couldn't get the insurance involved for reasons I'd rather not discuss so my only option was a personal loan.My mother suggested M&S BANK and that's what i did. I applied online and asked for a personal loan of £7000 which I'd repay over 3 years. The loan was approved without much fuss and after credit checks and the signing of the loan documents the money was made available.I thank M&S BANK for their understanding ang their efficiency.

Review posted by Quentin Granger

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  • Value For Money

We made a very good decision to take out a personal loan with M&S Bank straight after Christmas. It came with a the option to delay the repayments for 3 months. so that has helped us enormously. Because it means we can sort out all the outstanding bills from Christmas and we will not have to worry about finding the monthly repayments until we are over the backlog of bills that we had to pay.Our first repayment isn't due until April and so we feel as though we will have been able to give our finances a good old Spring clean before then and we couldn't have done it without this marvellous loan from M&S Bank

Review posted by Rose Tomkins

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  • Value For Money

We took out this loan with M&S Bank to pay for our daughter's wedding and we were crossing our fingers to make sure we would get the 4.1% APR they were advertising. We did and that has made our day because it means we will be saving a lot of money which will make a lot of difference to the budget for the wedding.We obviously want our daughter to have the best wedding ever but we still have to watch the budget carefully. The saving we have made already by getting such a low rate means the catering can go up a notch or two and we might even consider extending the invitations to a few more family and friends.

Review posted by Diane Marks

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I have a M&S Bank current account and credit card so it seemed the natural thing to do to get my personal loan from M&S. My husband and I do have a joint account with another bank but I like to have a separate personal account for things like holidays and buying presents etc.I got a really good deal with this loan and I don't think it was just because I have an account with M&S. It just seems that M&S Bank are offering really competitive deals to everyone and maybe I did get a slightly better rate but it was advertised at a potential 4.1% APR which is much lower than a lot of the other lenders.

Review posted by Melanie Tarbuck

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My husband agreed to us going on a cruise this year but left it with me to sort out a loan to pay for it. I am used to him passing the buck when it comes to our finances so it wasn't a problem for me. I already knew that I would be going to M&S Bank for our loan because that's where we got our last loan when we needed a new fridge freezer a couple of years ago.I am becoming quite an expert at using their online loan facility but as I was in our main M&S store this week I thought I would deal direct with their in store banking staff. It made a change to be able to discuss the loan before making a final decision and the staff there were very helpful. We got all the paperwork sorted and I have just had a call to say the loan has been approved and that the money will be deposited into our bank account this week. Now I can get on to the next job which my husband has a tendency to pass the buck on and that is booking our cruise holiday.

Review posted by Christine, Congleton, Cheshire

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Marks and Spencers are a great establishment, I have shopped there for many years. I am so pleased they took on other financial markets because they are so well established and one can feel confident about dealing with them. I have a M&S card and a few weeks back, I applied for a personal loan and believed that I would be eligible for an exclusive deal.I intended to purchase a new vehicle and would need to have some funds available so as not to use the dealerships credit.I applied on line and it was a simple process, the forms were understandable with no hidden fees attached. I received an immediate decision so there was no waiting around, what an excellent organization Marks and Spencers are.

Review posted by Dean Lane

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I needed to find some additional funding and ready money to pay off some debts I had. The debts were not huge amounts but had varying interest rates and I knew I could do better. I looked at some lending institutions on line and picked up on Marks and Spencers, that is M&S Bank, and their terms and conditions appeared to suit my needs.While I was on line I pulled up their website and had a look at what they were offering and if I met their requirements. I believed I had all that they needed so completed the application for a personal loan. This was the easiest process I have encountered to date. I received an instant response and they offered me a personal loan at really good rates. The interest was much better than I was paying, so this was a winner for me.

Review posted by Toby Smith

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My university tuition fees seemed to have been around for a long while and I decided to pay them off if I could. I wanted to take out a personal loan from someone so started looking on line at lenders. I found the Readies website which was very helpful as it gave a brief run down on terms, this saved some time and effort on my part.I liked what I read about the M&S Bank, their terms seemed doable so I applied on line and hoped they would accommodate me. I received an instant reply which was wonderful. I had to answer a few more questions and on returning my responses, they did come back again with a positive offer. What a cool bank M&S are, my mission was accomplished.

Review posted by Brenda Levy

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My favourite store is Marks and Spencers and I am always in there, I just love it. Trouble is I always find something to buy and I keep topping up my credit card. This had to stop. I needed to pay off my cards as the interest rate on them was horrible. I was aware that with the store card I could gain access to some special deals, and wondered if I applied for a personal loan, I would be entitled to some of these deals.I applied on line and filled out the personal loan form, it was straightforward with no complicated language, quite easy in fact. I did not have to wait long at all, when a response was returned offering me the loan I wanted, great news. The terms were doable and the interest rate was well below what I was paying on the cards. I was very happy about the outcome.

Review posted by Sharon Ball

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I have an insurance policy with Marks and of course we shop their any time we need some new clothes. We enjoy the variety they stock in clothing you can't beat them really anywhere else.I had been thinking about their other financial services and wondered if I would succeed in obtaining a personal loan from them. I needed some extra cash for a trip we wanted to take. I was not wanting to touch our savings at this point, I had other plans for that money. I thought I would give them a call and sound them out.The guy I spoke with was helpful and pleasant and said he could assist me there and then, if I seriously wanted to apply for a personal loan. He confirmed that I met the criteria they needed, so we went ahead and filled out the application. He said he would get back to me within the hour. He called back with an instance decision and the repayments were not bad and the interest rate reasonable. So I accepted and the money was in my account within a day or so.

Review posted by Brian Marlow

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I have taken out this loan with M&S Bank to pay for a holiday this Summer and one of the best things about it, apart from the very competitive APR, is that I won't have to make the first monthly repayment until April. This is really convenient and helpful for me because I have some other financial commitments that I want to be able to clear before I start paying back this loan and that is going to be possible now.By the time I am packing my suitcase for my holiday my outstanding debts will have been cleared and my loan repayments will have started without my finances being overstretched. I will be able to relax on holiday and not worry that I have taken on a loan that I can't really afford.

Review posted by Penny M., Windsor

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My M&S loan has just been approved and I am over the moon. I am borrowing this money to pay for my mum to visit her sister in Canada. They haven't seen each other for over 15 years and my mum is a widow now and I want her to make this journey before she gets too old to travel on her own.My own bank weren't offering very competitive rates so I had a quick look online at some of the other high street lenders and chose M&S Bank because they were offering a competitive rate and their terms and conditions suited me best.I did have the option to defer the repayments for 3 months but I didn't take it up because I can afford this loan easily and just want to get it paid off as soon as possible. Just in case I want to take out another loan, the sooner this one is paid off the sooner I can go back to M&S Bank for another one!

Review posted by Mrs R., Farnborough, Kent

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It's that time of the year again, when most people are fed up with the weather and want to think about taking a holiday to sunnier climes. Personally I think about that all year round because it is very rarely hot enough for me in the UK. If I could I would definitely think about moving to somewhere hot like Spain or Italy. But for the meantime I just try and get two holidays in the sun each year. One at the beginning of the Summer at one at the end. It doesn't leave with much holidays left for Christmas but I don't really mind being in the UK at Christmas especially if it snows.I have just got a brilliant loan from M&S Bank which means I can book my two summer holidays straight away and bag some real bargains with cheap hotels and flights. I only ever take my loans out over 1 year periods so that I can be sure they are paid off before the next round of holidays are due. The loans I get from M&S Bank work really well for me and so I'll keep using them for the time being.

Review posted by Natalie Carter

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My loan with M&S Bank is to help pay for my wedding. I've got two friends who are getting married about the same time as me this summer and they have both got loans as well so I don't feel bad that my parents couldn't afford to do the traditional thing and pay for my wedding themselves.My friends got their loans from their own banks but when they heard what a great deal I got with my M&S Bank loan they were surprised and a bit miffed. They thought they were doing the sensible thing by going to their own banks but they should have just done a little bit of research and they'd have found a better deal like I did. I said to them "you'll know for next time" but I didn't mean the next time they get married of course. I meant the next time they are looking for a loan not a new husband!

Review posted by Ms HWC

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Best loans I have had are always the M&S Bank ones. I only ever use M&S Bank now because they just seem to suit me for the small 1 year loans that I take out occasionally. My loans tend to be for things like trips to New York for a bit of a shopping spree or holidays to Marbella. I can't afford to do this every year and I probably wouldn't be able to afford to do them at all without these loans because I am absolutely useless at saving up for anything. But so long as I can take advantage of these affordable personal loans from M&S Bank I'll be more than happy. Thanks to this current loan I am going to Barcelona with some girlfriends to sightsee and do a bit of shopping of course.

Review posted by Penny Foster

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We've used the loan comparison website for the first time and it has been a great help to us. We wanted a small personal loan but didn't want to go to our bank. But there are so many loan companies to choose from we didn't know where to start.Somebody we know told us to use the loan comparison website and we weren't sure what we'd make of it but it has turned out to be the best thing ever for people like us who are not very good with money matters of this kind.We found our M&S Bank loan after using the website and we couldn't be happier with the loan we got from them. We could see straight away that M&S Bank were offering a very competitive rate and the monthly repayments on the amount we wanted to borrow seemed a reasonable sum for us to find each month.So we just went ahead and applied for it online and we can't believe how easy it has all turned out to be. So we got some very good advice from a friend and a very good loan from M&S Bank and we are delighted.

Review posted by Val & Derek, Romford, Essex

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M&S bank are certainly not the honest bank they make out to be. After a phone call to the loans dept they said I was eligible for the lower rate of 3.3% but when the paperwork came through to sign it had gone up to 6.3%. No reason was given in the letter they sent it just said sign and send it back asap. How can anyone trust a bank that does this,. No where on the website does it say you have to be a M&S card holder to get this rate. It only says you will get preferential rates on other products. What else do they lie to there customers about.

Review posted by Chris

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I'd been going through a run of really bad luck. Not in gambling but in everything. That old saying '' If something can go wrong, it will '' was coming true not once or twice, but all the time.Car repairs, irrigation system at home and vet bills just a few things that come to mind. I needed to settle a few things so decided to take out a personal loan knowing that this situation was only temporary.My wife was the one who told me about M&S BANK and so without hesitation I applied online for a personal loan of £5000 and a repayment plan of two years. All my credentials were checked out and the loan was approved very quickly for which I was very grateful.Also the APR was really competitive and a burden was lifted off my shoulders. Thank you M&S BANK.

Review posted by Thomas Wilkinson

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I have been a regular customer of M&S for many years but I have never used their financial services before now. But I have to say that I am very glad that I have finally got round to it because I have just been approved a very good loan from their banking division.I wanted to borrow the money to pay for a trip to the West Coast of America to visit some friends and I enquired at my own bank but was somewhat put off by the high interest rate they would be charging me for the loan.I started looking at other loan companies on the internet and immediately felt comfortable with the idea of using M&S Bank if I could get a relatively low interest rate.. They were quoting 4.1% for larger loans so I was hoping to get a rate just a little above that which would still be less than my own bank were quoting. To my delight they came back with 4.5% APR which was more than acceptable for me and I went ahead and made a formal loan application based on that rate.I haven't had to wait hardly any time at all for the whole loan to be approved and they are transferring the funds into my account today so I just wanted to let other people know about my very first experience of M&S financial services, which I don't think will be my last now that I know how good they are.

Review posted by Elaine H., Penge

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I have a M&S store card and have had for quite a few years but I've never given much thought to how it could benefit me apart from the convenience of using in their stores when purchasing things. It was my husband who pointed out that it might be of use when we were looking to take out a personal loan and so we gave it a go.It certainly did have some advantages and we found out we would be eligible for a special lower rate on a personal loan which would mean us getting a loan much cheaper than we could even get from our own bank. We didn't need too much persuading and I got straight on to the task of making the loan application and within a week we have got the loan at a very competitive rate all thanks to my store card.

Review posted by Mrs C.C., W.Sussex

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I needed a cash boost for a few reasons and all of them unexpected, believe me. I had in the past taken out a few payday loans but this time needed something a bit more substantial.I went online to try and find a better deal and READIES were great in helping me to select M&S BANK. I'd shopped at M&S for years and felt secure with them so went online and filled out the personal loan application and requested £5000 with a 24 month payback plan.They were really good and after checking my credit rating the loan was approved and in a matter of days I had access to the funds.I would readily recommend M&S BANK to anybody.

Review posted by Edward Harewood

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A while ago I needed a personal loan to sort out a private matter and a friend of mine advised me to go online and look at READIES site and then make up my mind as to which company to use.When I read about M&S BANK and realised that I was an M&S cardholder I felt no need to look any further. I then applied online for a personal loan of £4000 and repay over 2 years or quicker. I had a very positive credit rating and the loan was approved without much fuss. I then just had to wait a few days to sign the loan documents and a short while later I had the money. M&S BANK are great.

Review posted by Alan McKenzie

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Shopping at M&S is wonderful because they have everything and the quality is always very good. A while ago I needed a personal loan and when I went online to look for the best deal as soon as I saw that M&S BANK also offered personal loans especially to M&S cardholders I applied straight away.It was remarkably simple and all done online. As soon as my affordability was checked out my personal loan of £5000 was approved as well as my request to repay over 24 months.The APR was also really good and the money was in my account as soon as I'd signed the loan agreement.M&S BANK really take good care of their clients.

Review posted by Gareth Becker

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My wife uses M&S for clothes and food shopping and she says they have good credit options available she recommends anything that M&S have to offer. Myself I have never used them but I have eat the food my wife cooks , so I decided to check them out when I wanted to trade in and upgrade my car. My wife here self said she was happy if we went with M&S and she would get some reward points so she was happy that I was considering them as a loan provider.I did have a look on the money supermarket website to check comparison rates and M&S did rank hight on there charts as well so that was my final doubt in my mind gone when I saw this and I applied with them.I needed to borrow £2,850 to cover the diffrence from when I trade in my car against my new one so it is not that big of a diffrence and I can afford to pay the loan off in one years time. Thanks to M&S gave me a good rate when they approved me I have been very satisfied with there service and there turn around of a few days in sending me the money.

Review posted by Brian McMillian

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I applied for a personal loan with M&S online and i had ro wait hours to heae baxk from them , obviously there were certain checks that had to be done. Like a credibility check and affordability checks they carryied out along with a credit check. I just didn't think it would have taken a company like M&S 4 hours to get back to me but once this was all done the loan was approved and they contacted me direct.They Exspalned to me that all I then had to do was to sign the loan agreement they would be sending me and I also signed a direct debit order to ensure that there was no default on the repayments or errors on my part when paying back the loan.Everything from applying for the loan to getting the money was handled well by M&S and I would recommend them to anyone who is looking for a responsible loan provider.

Review posted by Miss L Taylor

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I have never used this way of lending before , everything now a days is done online and the decision and power is all at your finger tips. I found M&S online when I was looking to borrow money and I have to say for my first time applying on line I was impressed at just how easy it was. M&S really have made the whole process very easy and straightforward for first time customers to understand. I got all the information I needed from M&S online before I even began to apply for the loan and as I went threw the process step by step , I got all the information I needed to know I feel confident I was making the right choice in applying with them. Every step of the way M&S have been wonderful and informative of what is going to happen and when and how. They have really helped me out this time and not just with the loan I needed and wanted , but with showing me how safe it can be to do something like this online.

Review posted by Caroline Maxwell

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I applied online straight away when my friend told my about the M&S loan offers. I could not believe honestly how great the interest rate that I was offered. It was only 4.5% on a £5,500 loan and I could repay this in just over three years no sweat on my wages.M&S gave me the option of spreading the payments out a little longer which I though was a nice idea but decided not to take it. I felt like I was in control of the loan terms if i stuck to the three years I originally applied for and stuck to the same repayments and have no flexible repayment options. The money from M&S arrived in my account that week and It was on time as promised , I'm glad I took out mt loan with M&S they really have made borrowing money easy and I was impressed to see how flexible they can be as a company and will keep that in mind for future borrowing needs , as you never know.

Review posted by Bonnie

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We needed to take out a small personal loan as our son was getting married and wanted for some reason or another to get married in the Algarve in Portugal. His reasoning was there was a better chance of having good weather.My wife is an M&S cardholder so we just went online and applied for a personal loan of £5000 and after a credit check the loan was approved. We then just had to wait to sign the loan documents and we had the money in our account. We've since booked our flights and hotel and will make a bit of a holiday of it too.We also fascilitated things by signing a debit order so for the 2 year period of the loan the instalments will automatically be taken from our account. M&S BANK were great!

Review posted by Martin Hamilton

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We were doing some renovations at home and found ourselves a bit short. What actually happened was that as we were moving along things changed and the prices changed as my wife insisted on the best.The fact that it was our own house meant it was money well spent so that was no problem.The next step was to take out a personal loan and the amount we were after was £8000. We worked out that that would be more than enough to cover all the costs.M&S BANK was who we asked and they approved our loan so quickly. This was important as we had to finish the job.They were great and we had the money in a few days. The APR was very fair and we opted to pay back over 4 years. This all suited us down to the ground. Thank you M&S BANK!

Review posted by Andrew Merton

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My son had an awful bit of bad luck. In a nutshell he accidentally damaged somebody's car quite badly avoiding a dog. He also had a problem with his insurance which meant that he had to cover the costs of repairing the damage done to the other driver's car. The important thing is that nobody was hurt.The damage was quite significant and my son didn't have the ready cash or the credit rating so I applied for a personal loan with M&S BANK for £6000 which was the amount needed to sort everything out. We applied online and the loan was approved very quickly. I chose to repay over 3 years so that my son could do his bit as well to help Dad settle. All's well that ends well and I thank M&S BANK for their efficiency.

Review posted by Howard Warwick

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My wife couldn't make up her mind about whether we go on a luxury Mediterranean cruise or just book into a 5 star hotel in the south of Spain for a week. It was to be a 20th anniversary celebration.She finally decided on the cruise with a bit of help from me and all we needed to do now was take out a small personal loan. M&S BANK was the one we chose and applied online for a £6000 personal loan. We also had some savings if it wasn't enough.The loan was approved very quickly. We knew that our credit history was positive and the repayment schedule over 2 years also suited us.The cruise was incredible and we would recommend the cruise as well as M&S BANK any day.

Review posted by Alec Madden

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My husband leaves a lot of the financial stuff to me these days since he retired. He figures that as I am the one bringing home the wage every week I should have charge of our money matters. Of course the reality is that he can't be bothered to do all that when he could be out on the golf course all day. So when we were looking for a personal loan to pay for a cruise it was down to me to sort it out.I work part time in a small estate agents so I get to meet all kinds of people and a recent client mentioned that M&S Bank were offering one of the lowest rates on their personal loans so I made a mental note of it and got straight online and had a look for myself when we had a quiet moment in the office.Not only was this client right, but it also worked out even better if you had a M&S store card which would entitle you to an even lower special rate. I didn't need much more convincing, I just went ahead and applied for the loan. By the time I got home that afternoon I had not only applied for our loan but I had it approved subject to the usual credit checks.Within less than a week I had sold three properties, and secured a very competitive loan from M&S Bank for our cruise and my husband had played two rounds of golf and taken the dog to the vets. Thank goodness he has left me in charge of our finances!

Review posted by Betty Croft, Langley Park

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We are very happy with this loan from M&SBank and we thought we would show our appreciation by saying thank you via this review as we're not quite sure who we would be sending the letter to if we just wrote a conventional letter. I suppose the big wigs at M&S Bank get to hear about these reviews one way or another so we just want to say to them that we are very pleased with the very competitive loan they have given us and to keep up the excellent work at M& S Bank. We are big fans of the Marks and Spencer stores so your bank has a lot to live up to but so far you seem to be managing very well.

Review posted by Ted & Val, Bickley, Kent

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With so much choice available these days about who to go to for your loan, I really felt confused. However as a regular shopper at Marks and Spencers, I thought I should at least consider what they had to offer, as I've always been pleased with their product quality and customer service in the past. As Marks and Spencers is predominantly known as a supermarket, I have to say I was pleasantly surprised by their money lending services. With banking not being their sole focus, I was a little apprehensive. I have taken out personal loans previously with other lenders, but not for some time, so did some research online to find out who would suit my needs best on this occasion. When I started the project on my garden, initially I thought I had enough in my savings, but some things ended up costing more than I envisioned. Their loan terms were very agreeable, and I'm happy to say I am just as satisfied with their banking services as I have been with the products I regularly purchase from them.

Review posted by Sarah White

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This year it will be ten years that my partner and I have been together. When I was doing my shopping one evening in Marks and Spencers, I was desperately trying to think about what we could do to celebrate the occasion. Then I saw a leaflet for M & S loans by the checkout, and thought it could be the perfect way to afford something extravagant, without having the cost all at once. There weren't too many lengthy forms to fill out, and all the questions were pretty straight forward. Overall, a very easy to use and cost effective service.

Review posted by Beryl Thoams

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I recently took out a Marks and Spencers store card as I shop there regularly and wanted to take advatage of the offers that came in conjunction with the card. When all the paperwork came through, I discovered that the card also entitled me to special deals on loans with M & S. I had recently been shopping around online for a loan anyway, so it came along at just the right time. It was great to be able to choose such a well known and reputable company too. They offer the same high level of service with their financial offers as they do in the other aspects of their business

Review posted by Raquel Goodie

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I have always been a bit dubious about taking out a loan with a company that doesn't specifically specialise in money lending, but as a long term customer of Marks and Spencer, I thought I should compare what deals they could offer me against what I get at the bank. I have to say my preconceptions were certainly wrong, and they offered me a much better deal with great repayment terms. I'm currently half way through paying back the money I borrowed, and would use their services again in the future if needed. Don't be fooled like I was by thinking your bank is the one who will offer you the best loan.

Review posted by Tracy Boomer

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In the part of the country where I live, the weather has been really awful in the last few months, and my home has unfortunately suffered a lot of damage due to flooding. Some people have made comments like I should have been prepared for such eventualities because of where I live, but the truth is, you never think it's going to affect you. Because of the area I live in, a lot of house insurance companies wouldn't give me a full policy, so only part of what's damaged will be paid for. This has been a really hard time for me, and I was really relieved when I discovered I could get help from M & S Bank. They took the time to understand my individual situation, and we came to a loan agreement that would cover all the damages I needed to pay for. Without this help, I don't know where I'd be.

Review posted by Jinny Beale

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My husband and I have just taken out a loan with M&S Bank after being let down by our own bank when we approached them for a loan to help with the cost of our daughter's wedding. We had never applied for a loan before from our bank and we were disappointed to say the least when they could not offer us an affordable loan after all these years of being customers of theirs.Unperturbed, we got straight onto the internet and started looking for a company that could and would be able to offer us an affordable loan. And we didn't have to look further than M&S Bank when we came across them on the loan comparison website.So while we are still very disappointed with our own bank, we think we have done a lot better with this loan from M&S Bank. Its both competitive and affordable. We have also been given the option of a 3 month payment deferment which is going to be very handy for us as we are still trying to pay off the credit card bill from Christmas which took a bit of a bashing!

Review posted by Alison Baker, Cheadle

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Good old Marks and Sparks was our response when we finally managed to get a personal loan to help us pay for our cruise.We had no luck with our bank and we considered missing out on our annual cruise until our friends told us they had got a very competitive loan from M&S Bank recently. We decided to give them a go and went online to the M&S Bank website to see what loans they were offering.By that evening we had not only applied for a M&S Bank loan but we'd had it approved and now today we have been informed that the funds are being deposited into our bank account. Within less than a week of being refused a loan by our own bank we have instead, a very competitive loan from M&S Bank and we couldn't be happier.

Review posted by Diana and Edward, Macclesfield

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Absolutely disgusted with this company.Applied on line and was informed that I could have a loan and quoted a total repayment price. When paperwork came through noticed that total repayment price had increase by 10% a further £700. On speaking with them the customer service representative informed me that the actual rate offered is all down to your personal circumstances and that actually only 50% of online applicants get what they are offered. Not good for a company of this standing perhaps a bit of honesty at the beginning of process is required.I wonder how many people have signed paperwork without realising the increase. As you can imagine we declined their new offer and went elsewhere, maybe they thing that they have just lost one customer but will tell friends and family of this scam.

Review posted by Martin

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I had been waiting until I had enough money to book the flights for our yearly holiday, so when my last pay cheque cleared in my account at the beginning of this month I was really excited about finally getting it booked and being able to start looking forward to a couple of weeks in the sun. To my great dissappointment, the price of the flights had rocketed, and I could no longer afford them which was devastating. In the end, help came in the form of a loan from M & S Bank. They were really helpful and there were no problems for me to be able to borrow the extra money I needed. In fact I think next year I will just go to M & S straight away to be able to take advantage of the cheap holiday deals, and then I'll save myself even more money.

Review posted by Mya Hoxley

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Last year I really got myself into some financial trouble by taking out too many payday loans. Of course it seemed like a good idea at the time, but really it was only a short term solution, and put me in a worse off financial situation in the long run. It took me quite a while to recover from that, and I knew it was not a situation I wanted to end up in for a second time. Therefore when I was in need of some extra money again last month, I decided on a personal loan instead. The loan I took out with M & S Bank was still a short term loan, but I was allowed to set up a much more affordable repayment plan than what I had had in the past with payday loans. The interest rate I was charged was so much more reasonable too.

Review posted by Ruth Elvidge

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I never realised that taking out a store card with M & S all those years ago would help me save so much money in the future. Obviously it's saved me a considerable amount on instore purchases over the years, but the month before last it also enabled me to make a great saving on a personal loan with M & S Bank. I know they had good offers available anyway, even to those without a store card, but I was amazed at the rate they offered me as I was a long term customer of theirs. They are definitely worth considering if you're looking for a personal loan with a great rate, especially if you are already a store card holder.

Review posted by Marianne Wining

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When M&S Bank are giving such competitive loans why would anyone go to their own bank. well I certainly won't be going to my bank after this. I couldn't believe how much lower M&S were charging in interest rates compared to my own bank so I didn't hesitate to apply for a personal loan with them. My loan is to pay for a trip to South Africa and if I hadn't looked on the internet first and compared different lenders I would have taken my banks loan offer without realising they were not the most competitive by a long way. That few minutes spent looking on the internet has saved me hundreds of pounds and I am really quite delighted to have got my personal loan from M&S Bank and at such a low rate too.

Review posted by Glenda Foster, Weybridge

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We're no strangers to M&S financial services as we have had a couple of loans from them in recent years but none for this large amount of money. But it is to pay for a conservatory which we have been wanting for quite a while and we decided this was the year to get it done and in time for the warmer weather so that we can get the most benefit from it especially in the evenings when the temperature drops but we still want to enjoy the views of our beautiful garden.We had no doubt who we were going to get this loan from because previous loans from M&S Bank have always been very satisfactory and we are delighted to say that nothing seems to have changed in that respect. Their rates are still one of the most competitive and we are M&S cardholders so we got a slightly lower rate because of that which just made the whole deal even better.

Review posted by Mr & Mrs Garrard, Windsor

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I am so happy to be approved for this loan from M&S Bank as it is the first loan I have ever taken out since moving here to Britain 10 years ago. My loan from them means I can buy a a new car which has been my dream ever since I past my driving exam. My husband he drives to and he got the money from our bank for him to buy his car so I said I would try and borrow from another lender for my car and so we ended up with M&S Bank who are so good with their loans that we would use them again if we ever need to borrow again. We shop all the time in the M&S stores and we never thought I would be buying a new car with a loan from them. It is such a surprise but a very good surprise.

Review posted by Sondra Japowski, Sittingbourne

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My loan from m&s is going towards the reception for my daughters wedding next month. were not having a big do but big enough and i didn't have the money to pay for it without a bit of help.so i applied to m&s after my friend at work told me that they give good value loans. she was absolutely right because this loan is only going to cost me a couple of hundred pounds more in interest and i will be paying it back in affordable monthly instalments. they have even given me a 3 month break before i have to start making the repayments which is great because money is going to be very tight for the next couple of months. my other daughter shouldn't be looking at getting married for a few years please god but when the time comes i think i will just get another loan from m&s unless she wants to elope to Gretna green!

Review posted by Rita Nolan, Kilburn

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I can't usually afford to get away for a summer break without the help of a loan and so over the years I have had far too many small loans to remember them all but it doesn't matter now that I have discovered M&S Bank personal loans. They've been under my nose all this time and I never realised just how competitive their loans were until I sat down and did a proper comparison with the help of the Readies loan comparison website.Up to now it was pretty much a last minute choice that didn't involve an awful lot research before hand to make sure I was getting the best deal. I've learned my lesson now and will make much more use of the loan comparison websites.I just hope that M&S Bank remain as competitive as they are at the moment because I am really happy with the loan they have approved and especially delighted to be offered the option of a 3 month repayment break which is going to prove very handy for me.

Review posted by Maggie Gower, Sevenoaks

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We'd been saving up for our wedding for 2 years with a view to tying the knot in June 2017. Then as with all the best laid plans, my company offered me the chance of a lifetime to go and work in Australia for 3 years. We decided to bring the wedding forward by a year so that we could have the big family wedding we were hoping for without expecting our family and friends to travel half way around the world or us trying to organise a UK wedding from Australia.The job offer meant moving out there in July so we had only a few months to organise things. We got round the problem of shortage of funds by taking our a personal loan with M&S Bank as my fiancee has a bank account with them and their rates for a personal loan were very good. We are going to manage the whole thing online with our internet banking and make sure that our loan repayments come out of the M&S Bank account which we will monitor and transfer funds to cover them each month.It's all been a bit of a whirlwind few months but most of the wedding is organised now and our loan is all up and running ready for the first repayment at the end of this month. We are very pleased with how quickly M&S Bank processed our loan for us and whilst having the option of a 3 month repayment break was very tempting we just decided to get straight on with making the first repayment before we leave for Australia in case there are any problems.

Review posted by Tom Pritchard, Reigate

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I'm always shopping at M&S, because,M&S have a great quality.and they also well known in my country as well.i didn't know about louns M&S giving to their customers.My friend said to me,she got personal louns from M&S with very small interest.And she done her bathroom -kitchen. And it makes her very happy. I was thinking to borrow some money from bank,but now I have big chance to apply a personal louns with M&S.If I get mony I would like to change my car and do kitchen straight away.

Review posted by Didar turan

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It wasn't the only reason why I chose M&S Bank for this personal loan but the option of a 3 month payment deferment at the start of the loan really was what helped to sway my decision. Getting this loan now and not having to make the first repayment until September is going to be so convenient for me that I really couldn't let this opportunity pass me by. Even though the repayments are going to be more than affordable it is just going to make such a difference to my finances because my Summer holiday is booked and having that bit of extra spending money is going to be wonderful. I shall come back from my holiday feeling refreshed and ready to start paying back this loan.

Review posted by Sandra Grainger, Hextable

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We'd used M&S Bank before for a personal loan so we knew what we were taking on with this recent loan and were more than happy to do so because we were more than satisfied with the first loan we had from them and we said that provided M&S Bank were still offering competitive rates we would go back to them. The first time we took out a loan with them we took up the option of a 3 month repayment deferment and because it worked out really well for us we have decided to take up that option again. It will give us a bit of time to prepare ourselves for that first monthly instalment which will be due the week we get back from visiting our son and his wife in Scotland. We really like using M&S Bank for these loans and will probably continue to use them in the future if they remain convenient and good value.

Review posted by Martin Rogers, Swanley

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Marks and Spencer's have really taken the time to understand my concerns and they operate ethically. I had a need for an emergency loan and this company did everything in their power to get my loan approved same day, and it happened! My funds will be in my account by tomorrow and I couldn’t be more grateful!!!! The stress that has been lifted off me is incredible. I didn’t know what to do but they did… and they did it with much compassion. I have already recommended to my work colleague who has been struggling and she called straight away and also got her loan approved the very same day!

Review posted by Sophie S.

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I had a lot of credit card debt that I can only blame myself for. I moved house and put everything on my credit card when I finally had the courage to check what my debt was, I was drowning trying to pay it off living hand to mouth. I had reached out to various banks for loans but they would deny me because I didn’t have history of loans, credit card companys for balance transfers but it was never enough to cover the full cost. Anyway, I found Out about marks and Spencer's bank loan through Facebook and I thought it was too good to be true. The whole process took 3 days total, I started on Friday and had the money by Monday. I knew I was approved within minutes of submitting my information. The only tedious part was tracking down my documents! Still worth the effort in my opinion. I would recommend this for sure!

Review posted by Daniel Santos

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Tahnk you to the Marks and Spencer's bank service and to the efficient and knowledgeable staff. I was impressed with the initial pre-qualification and the personalized service given, I was even more impressed because there was some minor issue’s with my credit report, and they were very supportive in assisting me clear those so that everything was settled, within minutes of the issue’s being resolved they told me I was eligible. I got my loan within the next business day. This is a great company that determines overall eligibility not just based on credit score. Would definitely use them again!

Review posted by Nick White

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Marks and Spencer's has provided a much needed service for our generation! Sadly it's not as easy for us to get a head start in life anymore. Many of us are getting out of Uni with debt to credit card companies that we stupidly signed up for during our education. The marks and Spencer's bank loan offered me a way of managing this debt and creating a solid plan for paying off my credit cards and getting my finances under control on the road to a successful career. Thank you to everyone who showed so much patience and even took time to make sure their offer was the right one that would work for me and my future plans.

Review posted by Sophie Westcott

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I chose to go with Marks and Spencer for a personal loan. I found readies site real helpful and well easy to figure out. A lot of the companies seemed to offer similar deals but marks had a good APR and I could pay it back over a max of like 60 months witch suited me down to the ground as I earn a low wage and my dog got into an accident and needed a big op or he'd have to be out down. I wasnt about to do that so after having a look I applied to marks, they got back to me really quickly and my pooch was able to get his op that week. I recon its time I got pet insurance!

Review posted by Jenny L

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I found it, I found the perfect ring for my lady. After about a year of looking around for the perfect engagement ring I stubble across one in Brighton. The only issue was it was about 1,500 pounds out of my budget. I'd used personal loan companies before and new how they worked so being a little too excited I put a down payment on the ring for the jewellers to hold it me, the next challenge was to find a personal loan with a decent monthly payment. M&S was the one for me with an apr of 4.1 percent and the flexibility of when I could pay it back being spot on for my monthly wage! I got the ring and she said yes! Thanks M&S!

Review posted by Stacy pender

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My granny had been waiting for ages for a simple op on the nhs, I couldn't stand seeing her in pain when a simple procedure would set it all right. So I decided to look into different private hospitals to see if we could get it done without having to wait around. We found a fantastic hospital and we're happy to go ahead but of course it's always comes down to money. Myself and my family managed to find most of the money and looked into other ways to raise the rest. We looked at M&S and the different types of loans available, the one that fit best for us was the personal loan so that's what we went for. The staff were really good and very helpful, everything went through without any issues and now our gran has had her op and is on the mend. Very happy experience.

Review posted by Chloe H

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I desperately wanted to take my family on a luxury holiday. We hadn't had a holiday together for so long. With my eldest going through university and my youngest doing GSEs. But when we all had a space of time that we could all spare a couple of weeks to be able to relax. (We had always talked about laying on a tropical island beach and just relaxing through all the studying) So I called M and S finance as I had heard good reviews about them from friends. They were extremely helpful and agreed to loan me the amount I needed straight away. I couldn't believe how fast the whole process was. Excellent.

Review posted by B. Chandler

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I have just been able to book a last minute holiday to Spain, all inclusive at a 5 star hotel and it's all thanks to this brilliant loan from M&S Bank. What's more, I don't have to worry about making my first repayment until September because I took advantage of their 3 month repayment deferment which is going to take the pressure off me and allow my finances to catch up after my holiday. I have never taken out a loan like this before but I have been so impressed with how quick and easy it has all been that I would definitely consider doing it again in the future. Provided this loan gets repaid without any problems I think that could be a real possibility for me.

Review posted by Felicity Cooper, Buckhurst Hill

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When M&S Bank approved my loan I got straight on the phone to my sister in Cyprus and told her I would be visiting her and her husband after all. I had declined her earlier invitation because I was very short of money after my car needed some repairs and that used up every bit of spare money I had. My friend at work encouraged me to look for an affordable loan saying life was too short to miss out on a fabulous holiday to Cyprus due to lack of funds. She helped me look on the internet for an affordable loan and that's how I came to get my loan from M&S Bank. Now that I know how easy it is to get a loan like this I will never ever put off doing some of the more pleasurable things in life and my holiday to Cyprus is a great place to start.

Review posted by Diana Stillwell, Finsbury Park

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I decided to take out a personal loan to help with the cost of doing up small sailing boat I had bought on impulse when I was on holiday with my wife in Poole, Dorset. She was dead against it and said she wouldn't be sailing in any boat smaller than a cruise liner! But she has come round a bit since talking to some of our friends who think it is a marvellous thing to be doing at our time of life. I enlisted the wife's help to find a suitable loan and she came up with this one from M&S Bank so we sat down and applied for it the other afternoon. Surprisingly we found doing the application on line very easy and we didn't have to wait long to hear if we had been successful with our application. We've agreed to the terms and conditions of the loan and are now awaiting the funds to be deposited into our account and because we are so pleased with how easily this loan procedure has gone and with the very competitive rate we have been given we thought we should write a nice review to say thank you to M&S Bank. I'm not sure how soon the boat will be ready for it's inaugural journey around Poole harbour but one thing's for sure, it will have to pass muster before the wife steps foot on board!

Review posted by Ted Burgess, St Albans

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What would I do without Marks and Sparks? They just seem to have everything I like and want and it's all at the click of a computer mouse. I shop online at Marks all the time but up to now it has never extended to anything more expensive than a sofa bed for the spare room. Now here I am with a 5K loan to pay for my new kitchen and I can't believe how easy it was to apply for and get an instant approval. I'm not sure how much longer it will be before the funds arrive but at least I can go ahead and place the official order for my new kitchen now that I have the funds guaranteed. Now I will be wanting some new kitchenware to set off the new kitchen so no surprises where I'll be shopping for that!

Review posted by Lesley Marks, Rickmansworth

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Wouldn't say I'b been much of a fan of M&S until I got approved for this personal loan. Now I think they are the best thing ever because they have given me such a great interest rate on this loan and that means I can buy the car I wanted and still have a bit left over to pay for a weeks holiday to Spain. I never realised just how much of a difference a percentage on the APR can make on a loan until I started comparing all the different loans that were available and when I saw how competitive M&S Bank were I just had to try and get my loan from them. If I'd had a store card I might even have got a lower rate so I'm definitely going to look into getting one soon. As of now M&S are my No.1 lender and I'll be telling all my friends about how good they are.

Review posted by Jason Deakin, Kensal Rise

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Marks and Spencer bank have just given me a very good loan that comes with an interest rate that is much lower than what my bank are currently offering for a similar loan so I felt I should make a point of saying something nice about Marks and Spencer and their bank in particular before I forget. I can't remember the last time I took out a loan but it certainly wasn't as easy and as straightforward as this loan from Marks and Spencer bank has been. They really do try their best to make the loan application process as easy as possible which is a great bonus if you're like me and struggle with the internet a bit. Another thing I found really helpful with this loan was being able to take 3 months off before having to make the first repayment. this is going to be so useful for me and I very much doubt I could have had that added bonus with the last loan I had from my bank. Another good reason to use Marks and Spencer again if I should ever need another loan.

Review posted by M. Beatty, Gidea Park

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