Low Rate Personal Loans - 4.9% APR Representative

Great rate on loans of £7,500 to £15,000

Low Rate Personal Loans - 4.9% APR Representative


  • 4.9% APR representative on loans between £7,500 and £15,000
  • Repay your loan over a period of 12 to 84 months on loans between £1,000 and £20,000, or over a period of 12 to 60 months on loans between £20,001 and £25,000
  • No arrangement or set-up fees
  • Use the loan eligibility checker before you apply


Representative 4.9% APR (Variable)

Representative example: If you borrow £10,000 over 5 years at a Representative APR rate of 4.9% and an annual rate of 4.9% (fixed) you would pay £187.77 per month. Total charge for credit will be £1266.20. Total amount repayable is £11,266.20.

  • Marks and Spencer Financial Services. Registered in England No. 1772585. FCA No. 151427.
    Registered office: Kings Meadow, Chester, CH99 9FB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

    Credit subject to status to UK residents only. To apply you must have an annual income of at least £10,000 and be aged 18 or over. Customers who do not meet our normal lending criteria may be offered a loan at a different APR. The actual rate available will depend upon your circumstances. The maximum APR you could be offered is 21.9%. The loan amount you request will also impact the rate offered.

    A personalised loan quote is a quotation search of your credit file at a credit reference agency and this search does not affect your credit rating.

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