Sparks Pay Sparks Pay

20% OFF your first order*

Exclusively for Sparks customers

23.9% APR

Representative (variable).
Credit subject to status.
Offer exclusions apply.

Love M&S. Love a new way to pay.

As a Sparks customer, you can start enjoying Sparks Pay today, with 20% off your first Clothing and Home order. M&S Plc acts as the credit broker not a lender†.

How does it work?

  • 1
    Apply
    It’s quick and easy, with an instant decision.
  • 2
    Shop
    Start shopping for all the things you love.
  • 3
    Enjoy
    Get 20% off your first order* with Sparks Pay.

What’s great about Sparks Pay?

Representative example

23.9% APR
Representative (variable)
23.9% p.a
Purchase rate (variable)
£500 limit
Assumed credit limit
Credit subject to status.

Frequently asked questions