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M&S Bank - Marks and Spencer: Personal loan reviews

Name: Personal loan
Rating: 2.81 (61 reviews)

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2.81

Based on 61 reviews, last reviewed 13th Aug 2026

100% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

18%

10%

61%

Latest highest rating:

5

Goddess and honestly explanation Goddess and honestly explanation Reviewed on: 9th July 2026

Latest lowest rating:

1

Hard credit search, then no communication I applied for an M&S personal loan advertised at a representative APR of 5.9%. I fully understand that a representative APR is not guaranteed and that... Read more Reviewed on: 13th August 2026

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About this product

With an M&S personal loan you can borrow between £1,000 and £25,000.

You can repay your loan over a period of 12 to 84 months and there are no set up fees for your M&S personal loan. Before applying, you can check to see the lending terms you might receive, without affecting your credit rating.

M&S personal loan reviews help you find out what it’s really like to be a customer. If you’ve used M&S Bank before, you can also leave a review and share your experience.

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