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M&S Bank

M&S Bank offer a range of personal banking products, insurance & travel services to suit you and your financial needs.

About M&S Bank

M&S Bank is a trading name of Marks & Spencer Financial Services plc, which in turn is operated by HSBC Bank. They offer a number of financial products and services, including credit cards and loans, insurance, as well as savings and current accounts.

When it comes to the personal loans M&S Bank offer, you can borrow between £1,000 and £25,000, over 12 to 84 months. The loans have a Representative 2.9% APR, though enhanced rates on certain loans may be available to customers with an existing M&S loan, current account or card, as long as you’re the main cardholder.

Last Updated: February 2023

Why Apply Through My Financial Broker?

  • No Hidden Fees: There are absolutely no hidden fees or charges when you use our services – it’s completely free!
  • Soft Credit Checks: Although direct lenders may undertake hard credit checks when you apply with them, when you’re making an application with My Financial Broker, to check your eligibility, we only perform soft credit checks. This means that your credit score won’t be impacted.
  • High Chance of Approval: We’re proud to say that we find a financial solution for over 99% of our customers.



Company Information

  • FCA Registration Number 151427
  • Company Registration Number 01772585
  • Trading Names M&S Bank, Marks and Spencer Financial Services PLC
M&S Bank, PO Box 10565, 51 Saffron Road, Wigston, LE18 9FT