Shop today, choose when you pay

Sparks Pay provides credit to spend on the things you love at M&S. Apply now for an instant decision.
Credit is subject to status and eligibility check. M&S plc acts as a credit broker not a lender.
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Representative example

What do these rates mean?

Purchase rate p.a. (variable)
23.9% APR
Representative (variable)
Credit limit

What do these rates mean?

What's great about Sparks Pay?

20% off your first purchase
Get accepted for Sparks Pay and enjoy this discount on your first eligible Clothing & Home purchase. Exclusions apply.*
Up to 45 days interest free
And enjoy 76 days interest free on your first purchase.**
Quick to apply & set up
As a Sparks customer, you can start using Sparks Pay today, no plastic card needed.
Sparks Pay is available to UK residents, aged 18 and over. You'll need to have an annual income/ pension before tax of £6,800 or more and be happy for M&S Bank to undertake a credit register search and credit scoring.

How to shop

It's quick and easy, with an instant decision.
When shopping online Sparks Pay will appear as an option at checkout and 20% off will be applied to your first eligible purchase. Sparks Pay is also available at all our M&S stores1, find out more here.
To view your balance, statements and to make payments, access your account through M& or the M&S app.
Credit card
Not the right offer for you?
Check out the M&S Credit Card instead.


Full FAQ's can be viewed here.

Looking for support?
If you need support with your Sparks Pay we are here to help.

Terms & Conditions