Sparks Pay Sparks Pay

20% OFF your first order*

Exclusively for Sparks customers

23.9% APR

Representative (variable).
Credit subject to status and eligibility check.

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

Sparks Pay is the new digital credit account available exclusively to Sparks customers. It provides a credit limit to spend on the things you love at M&S and 20% off your first clothing and home order.*
Apply now for an instant decision.
M&S Plc acts as the credit broker not a lender.†

What’s great about Sparks Pay?

Representative example

23.9% p.a.
Purchase rate (variable)
23.9% APR
Representative (variable)
£500 limit
Maximum credit limit
Credit is subject to status and eligibility check.

How does it work?

  • 1
    It’s quick and easy, with an instant decision.
  • 2
    Get 20% off your first Clothing and Home order.*
  • 3
    Up to 45 days interest free on all purchases.**

Frequently asked questions