Originally established in 1985 as Marks & Spencer Financial Services, Marks & Spencer Money has become major finance provider in the UK and has cemented its place in the financial market after it was sold in 2004 to one of the world’s largest banking organisations, HSBC.
M&S’s loan range currently consists of car financing and personal loans. Their car loans are available for amounts of between £2,500 and £20,000; the main selling point of which is the option to defer up to 60% of the loan (depending on the loan amount) until the final repayment at the end of the loan term, thus lowering monthly repayments. M&S personal loans are available for amount of between £1,000 and £20,000 with their low typical APR reserved for loans of over £10,000.
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