M&S Personal Loan 3.6% APR - HotUKDeals
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M&S Personal Loan 3.6% APR

£0.00 @ Marks & Spencer
M&S Personal Loans M&S pleased to offer a great rate of 3.6% APR representative on loans between £7,500 and £15,000 over 12 to 60 months. Limited time only – offer ends 16 February 2015. If you’re a… Read More
shayanden Avatar
2y, 4m agoFound 2 years, 4 months ago
M&S Personal Loans
M&S pleased to offer a great rate of 3.6% APR representative on loans between £7,500 and £15,000 over 12 to 60 months. Limited time only – offer ends 16 February 2015.
If you’re an M&S main cardholder*, current account or existing loans customer you could get a preferential rate on other loan amounts.
Don’t worry if you don’t have any of these products we also offer competitive rates for non cardholders.
Benefits of our loans include:
Fixed monthly repayments – so it’s easier to manage your money
Option to defer your repayments for 3 months
No hidden charges – no arrangement or set-up fees
Apply online or by phone – it can take less than 10 minutes
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shayanden Avatar
2y, 4m agoFound 2 years, 4 months ago
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#1
I need a £44,000 loan, maximum of 4.5% with a 48 month period.

Edited By: MazingerZ on Jan 09, 2015 23:21
#2
44000???
#3
MazingerZ
I need a £44,000 loan, maximum of 4.5% with a 48 month period.


what you need is a mortgage. Seriously though if it's for a car etc then you need a specialist finance company as personal loans only go to 25000 and a maximum of 10 years

over that it tends to be a mortgage for home buying

there are specialist lenders etc for high end products for the more wealthy amongst us and that's arranged by the company selling the goods usually
#4
very good rate just took 22 a month of my current personal loan by switching
#5
MazingerZ
I need a £44,000 loan, maximum of 4.5% with a 48 month period.

If you have a spouse, the cheapest way is to get two personal loans.

If it's to move house, bridging finance isn't cheap but might be your only option.

Otherwise, an extended draw down on your mortgage that they can treat like an additional loan at standard rate is another option.
#6
What does this means? 'Don’t worry if you don’t have any of these products we also offer competitive rates for non cardholders'

Is 3.6% for non M&S customers as well? or competitive basically means more than 3.6%?
#7
currently I have a personal loan with my bank, is that possible to switch to M&S bank?
#8
Take out a loan with M&s then pay off your loan with you bank simples

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