Sparks Pay
20% OFF your first order*
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?
- Up to 45 days interest free on all purchases**
- 20% off your first order*
- Exclusive to Sparks customers
How does it work?
- ApplyIt’s quick and easy, with an instant decision.
- ShopGet 20% off your first Clothing and Home order.*
- EnjoyUp to 45 days interest free on all purchases.**
Frequently asked questions
-
What is Sparks Pay?
Introducing the new way to pay online at M&S, through the website or app (excluding Gift Cards). As a Sparks customer, you can start using a Sparks Pay credit account today. Apply for a credit limit of £500 – and get 20% off your first Clothing and Home order.* -
How do I use Sparks Pay?
Once your application is successful, we’ll add Sparks Pay to your payment methods so you can use it whenever you check out online. You’ll have access to service your account through M&S.com or the app, and we’ll also keep you updated with emails on your balance and statements. -
Am I eligible?
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. -
What are the benefits of Sparks Pay?
Exclusive to Sparks customers, enjoy up to £500 credit to spend at M&S and buy the things you love - plus get 20% off your first Clothing and Home order.* You’ll have up to 45 days interest free on all orders, and up to 76 days interest free on your first order – meaning if you pay off your balance in full every month you’ll never pay any interest.**