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M&S Money Reduces Loan Rate


News provided by

M&S Money

14 Jul, 2011, 14:20 GMT

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CHESTER, England, July 14, 2011 /PRNewswire/ --

M&S Money is reducing the rate on its personal loans from 6.9% APR to 6.7% APR (representative). The offer applies to personal loans between £7,500 and £15,000.

M&S loans are available between £1,000 and £25,000 with flexible repayment terms over 12 to 84 months. Customers have the option of making no repayments for the first three months, subject to lending criteria.

Colin Kersley, M&S Money Chief Executive, said: "We are pleased to offer a reduced rate on M&S Personal Loans. The latest offer of 6.7% follows other competitive loan rates we have launched this year. The reduced rate also applies to M&S Car Buying Plan which allows customers to defer a fixed percentage of their loan."

M&S Car Buying Plan allows customers to defer a fixed percentage of their car buying loan, giving them the following options at the end of the term:

- Keep the car and carry on making monthly payments until the whole of the loan is repaid

- Keep the car and pay off the remainder of the loan with a lump sum

- Sell the car and use the money to pay off the remainder of the loan

When borrowing with an M&S Personal Loan, customers are reminded that they should consider their ability to maintain the monthly repayments. Customers can view more information on the M&S Money website, with further information available via our customer services teams over the phone.

About M&S Money:

M&S Money (the trading name of Marks & Spencer Financial Services) was founded in 1985 as the financial services division of Marks and Spencer Group plc.

The company is a top-ten credit card provider and the second-largest travel money retailer in the UK.  M&S Money also offers a range of insurance cover, including home insurance and car insurance, as well as loans, savings and investment products.

In November 2004, Marks & Spencer sold M&S Money to HSBC. HSBC Holdings plc, the parent company of the HSBC Group, is headquartered in London. The Group serves customers worldwide from around 8,000 offices in 87 countries and territories in Europe, the Asia-Pacific region, North America, Latin America and the Middle East. With assets of US$2,418 billion at 30 June 2010, HSBC is one of the world's largest banking and financial services organisations. HSBC is marketed worldwide as 'the world's local bank'.

M&S Money has an executive committee comprising an equal number of representatives from HSBC and Marks & Spencer.

PR Contact:
Liz Neild
Kings Meadow
Chester Business Park
Chester
CH99 9FB
+44(0)1244-686-068
money.marksandspencer.com

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