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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:

When you request a Personalised Loan Quote, we will process your personal information in order to provide you with an indication of whether or not you will be accepted for a loan. We have partnered with Experian to provide you with a Personalised Loan Quote. The Personalised Loan Quote works by conducting a quotation search on your credit file. You will be able to see the search on your file, but other organisations won’t see it when they search your file. This means that it will not affect your credit rating.

Any quote obtained using the Personalised Loan Quote tool is for indicative purposes only and does not constitute an offer to provide credit. If you decide to go ahead with a full Personal Loan application after you receive your quote, we will carry out 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.

Your personal details will be kept confidential and used in accordance with the M&S Bank Privacy Notice. We will use your personal data to monitor and enhance the performance of the Personalised Loan Quote tool. You can also view Experian’s privacy notice by going to

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.

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Version: 76 Release Date: Wednesday, July 10, 2024