font loading for Top nav

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 available online and from our furniture stores.

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.

  • To be eligible to apply for interest-free credit, you must meet the following criteria:

    • Minimum age 18 at the date of application
    • Maximum age 85 at the end of agreement (unless the term is 12 months, then there’s no maximum age limit)
    • UK resident for the last three years or more
    • Employed, self-employed, retired, homemaker or in receipt of disability living allowance
    • Hold a valid and active telephone number (this can be a landline or mobile)
    • Hold a UK bank account which supports direct debit payments
  • If you meet the above criteria, you will be given the option to apply for and pay using interest-free credit (0.0%APR) on selected M&S products (furniture products), provided your total basket amount is between £500 and £10,000 (after any reductions, offers or discounts have been applied).

    Interest-free credit cannot be used in conjunction with a gift card, e-gift card, loyalty rewards voucher or staff discount.

    An interest-free credit option may be available when you shop online or in store, but not when you shop over the phone.

  • Marks and Spencer plc is acting as a credit broker and not a lender. Creation Consumer Finance Limited (Creation) is the lender. Creation is authorized and regulated by the Financial Conduct Authority under firm reference number 311518.If accepted for credit, you will enter into a loan agreement with Creation for the provision of the interest-free credit.

  • Select "interest-free credit" as your payment method at the M&S online checkout page.

    We will redirect you to Creation's website, where you can apply for interest-free credit. If you successfully pass Creation’s credit checks and electronic signature process, your purchase will be completed and you will be redirected to the M&S online order confirmation page. Occasionally, additional checks may be required or an alternative signature process followed before we can complete your purchase.

  • In most cases, Creation will provide you with a decision instantly.

    There may be times when this isn’t possible and additional checks will be required in order to fully assess your application for interest-free credit. If this happens, you will receive an email from Creation with the result of your application, usually between 1-2 working days after applying.

  • In most cases, you will be able to sign your loan agreement electronically immediately, or log into your Creation account online, using the details provided to you, to sign your loan agreement electronically at a later date. However, occasionally, Creation may have to post the loan agreement for you to sign and return to them. Creation will advise you of the process once your application has been accepted.

    You can find further information about your loan agreement at:

    We will only process your order once Creation confirms you have signed your loan agreement.

  • No, there is no fee charged for arranging interest-free credit.

  • No, we don’t accept deposits while paying by interest-free credit.

  • You can choose to repay your loan by equal monthly payments over 12 or 24 months.

  • You can manage your loan online by logging into your Creation account:

    Here you can see your monthly repayments, outstanding balance and make early repayments.

  • All payments made to Creation will appear on your bank statement.

  • Yes. You will go through the usual application process each time you apply.

  • Yes. You can cancel your order in accordance with the process set out under the ‘Your right to cancel’ section in the terms and conditions. If you cancel your order, we will let Creation know and your loan agreement will be cancelled.

  • Yes. See for full details of our return policy.

  • If you cancel your order or return faulty/damaged goods, we will let Creation know and your loan agreement will be cancelled automatically.

    If you return any item(s) with a total value of £250 or less, the balance on your account will be updated. The amount of your monthly repayment will stay the same, but the term will end as soon as the revised balance has been paid. A receipt for such adjustments can be issued on request.

    If you return any item(s) which have a total value greater than £250 or greater than 50% of your the agreement total or outstanding balance, then your loan will be cancelled, and a new loan application will be processed.

  • No. We don’t offer exchanges on items bought using interest-free credit.

  • You can contact Creation by telephone 03448 797 214 (please choose option-2 for customer services) or by email

  • Please visit for full terms and conditions.

  • 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)
Was this useful?

Contact customer service


Web chat or email us

Please choose a subject from the menu below.