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Personal Loan Quotation


Our Personalised Loan Quote tool will give you an indication of the terms on which we may be able to lend to you, without affecting your credit rating in any way.

To be eligible for an M&S Personal Loan you need to:
  • Have an annual income/pension before tax of £10,000 or more
  • Be a resident of the UK
  • Be over 18

It is important that you read and understand the following before you get your quote:

The Personalised Loan Quote works by conducting a quotation search on your credit file.
This will not affect your credit rating.

The Full Personal Loan application will include a full credit reference agency check and affordability assessment.
We reserve the right to decline any application for credit facilities or to offer to lend on different terms.

Any quote obtained using the Personalised Loan Quote tool is for indicative purposes only and does not constitute an offer to provide credit.

Your personal details will be kept confidential and will not be stored on our systems for longer than necessary. We will use the data we store as a record should you wish to access this in the future and to monitor and enhance future performance of the Personalised Loan Quote tool. You can read our privacy statement here.

If you choose to apply for a full Personal Loan application, your loan quote details will need to be re-input.

If you are an existing customer and your name and/or address details have changed in the last 35 days or you have not informed us of a change of name or address, then please do not proceed with a personalised loan quote as it may give you an inaccurate result. If this applies to you, please call us on 0800 363 400 to discuss your loan options.

Version: 16795 Release Date: 20 November 2017