Marks & Spencer

Very Pleased

By John, Guisborough

I was really pleased with M&S Finance as a whole. Their loan repayments are very manageable and the APR was good! I got accepted via the online application form and I had signed my paperwork within a couple of days. Two days later, the money was in my account! My repayments are made by direct debit and it's so easy.

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Speedy response!

By Daniel, Canvey Island

I spent a lot of time looking around their web site and I found M&S offer a range of financial services. I worked out how much I could afford to borrow and what would be the best loan for me. I applied and received an instant decision of “yes”, but they stated I did have time to change my mind which I thought was great.

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Great APR rate but very slow to release the funds

By Lynsey, Aberdeen

Easy on-line application process, and fantastic APR rate, however two weeks later we still haven't received the money!

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Fairly simple process

By Kevin, Sunderland

The process with M&S is fairly simple and made easier with the online application. The money was deposited really quickly and was within 3 days of the start of the application, other loan companies can do it quicker but I did apply for £12,000 so I think it was a fair wait period. I would use them again.

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998 on credit score (out of 999) double advertised APR

By PEJ, Wales

Im an excellent creditor, as reflected in my near perfect experian score. Applied for car loan at advertised 6%APR (market leading), was approved in principle over email. forms came thorugh in 48hrs with an offer of 12% APR. rang the company, who basically refused to talk with underwriters "as they were very busy" and refused to enlighten me on the disparity between advertised and offered APR. All of their reasoning was rebutted with evidence of an excellent credit history and impecible history on all accounts held by me. repayment criteria were also easily met or exceeded. I was extremely annoyed that this not only delayed the eventual loan i got (sainsburys bank 6.1% first time, no hassles by the way) but also put my credit soroe down to 998 becasue of the volume of searches on my account. If you are going to offer a headline of 6.0%, under exactly what conditions do you have to meet to achieve this ??? a 1000 score on the credit report??? The company was amature at best throughout and i'd advise thinking twice before applying as what is advertised is apparenlty very difficult to obtain in practice. sainsburys bank by all comparrison were efficient, helpful and professional throughout. well worth the extra 0.1% apr

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