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Claire Rooney

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Review of the M&S Bank - Marks and Spencer, Personal Loan:

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Straight-forward

I took out a personal loan online with M&S bank. Pros: * Straight-forward online application * Cheaper rates (at the moment) * Longer term (at the moment) * Funds put into your account through electronic transfer on the day they receive your signed forms back Cons: * You can only apply for a loan in a sole name (not joint names) * Speed of completion depends on post (cannot draw down loan until you receive and sign the forms in the post and they receive them back through the post - you cannot drop the forms into your local M&S bank) Reviewed on: 21st June 2016

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