Marks & Spencer personal loans is part of Marks & Spencer Financial Services plc and HSBC Bank plc., UK. Marks & Spencer personal loans are available to people with a good credit history. Marks & Spencer loans have a representative APR of 7.5% making Marks & Spencer one of the cheapest providers of good credit, unsecured, personal loans in the UK.

Marks & Spencer Financial Services offer a full range of financial services to UK consumers, including: credit cards, travel services, personal loans, insurances, savings accounts and investments. You cannot manage your unsecured, personal loan in your local Marks & Spencer store, it must be done online or via telephone. Marks & Spencer loans offers online banking is 24 hours a day and their telephone banking is open between Monday and Friday from 8am to 9pm, Saturday between 8am and 7pm and Sunday between 10am and 6pm.

Marks & Spencer Financial Services offer two different personal, unsecured loan products and you need to have a Marks & Spencer credit or charge card to be able to apply for a loan. Here are the unsecured, personal loans currently offered by Marks & Spencer Financial Services: a Personal loan between £7,500 and £25,000, a Personal loan between £1,000 and £7,499 and a Car Buying Plan between £2,500 and £25,000.