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Do M&S offer an interest free credit option to pay for my furniture?

Yes, however our interest free credit option is currently only available in our UK furniture stores, not online. Excludes ROI. The following is offered:

  • Repayment terms: 12 and 24 months
  • APR: 0.0%
  • Deposit: optional
  • Minimum/maximum loan amount: £500 - £10,000*

*Loan amount is based on the value of the order after any discounts, offers or additional tenders have been applied.

Customers must meet the following criteria to qualify for credit:

  • Minimum age 18 at date of application
  • Maximum age 85 at date of application (24-month credit option only)
  • UK resident for last 3 years minimum
  • Able to supply a fixed landline telephone number
  • Have a bank account that supports direct debit

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