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Interest-free credit

Do you offer an interest-free credit option to pay for my furniture?

Yes, M&S provides an interest-free credit payment option so customers can spread out the cost of the payments for their new furniture. Our interest-free credit is currently only available from our furniture stores, not online.

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 residence for last three years minimum
  • Be able to supply a fixed landline telephone number
  • Have a bank account which supports direct debit


How to apply:

Our staff will happily take you through the process.

Please remember to bring proof of identity, from one of the following:

  • A valid UK driving licence
  • Current TV licence
  • Bank statement – within the last three months
  • Credit card statement – within the last three months
  • Utility bill – within the last three months
  • Mortgage offer letter, solicitor’s letter or tenancy agreement (council, housing association or military tenancy agreements only)
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