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.

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