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Sign in to Sparks Pay

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?

23.9%
Purchase rate p.a. (variable)
23.9% APR
Representative (variable)
£500
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

1
Apply
It's quick and easy, with an instant decision.
2
Shop
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.
3
Manage
To view your balance, statements and to make payments, access your account through M&S.com or the M&S app.
Credit card
Not the right offer for you?
Check out the M&S Credit Card instead.
Find out more

FAQs

Full FAQ's can be viewed here.

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

*20% off at M&S offer: may be redeemed on your first Eligible Purchase after account opening either online at M&S.com or in a participating UK store (see full offer T&Cs for exclusions). This may include one or more eligible items purchased in a single transaction totalling a maximum value of £500 (after discount), the balance to be paid using Sparks Pay. Eligible items exclude: Brands at M&S, 30% and higher % off offers, Beauty Advent Calendar and Beauty Box offers, Furniture (including furniture delivery and disposal services), stationery, cards and wrap, personalised items, made to order suits, made to order curtains, tailoring alterations, schoolwear, 'Your School Uniform' service, repairs services, name tapes, gift cards/vouchers, food, flowers, beers, wine & spirits, charity items, M&S opticians, sale and clearance items. Offer can be withdrawn at any time. Full T&Cs apply and can be viewed here.
†Get up to 76 days interest free on your first order when you pay your balance in full, and up to 45 days for later transactions. We may send you a statement each month, the minimum payment in your first statement will be £0.
1Some franchise store exclusions apply, see full T&Cs here.
Credit is provided subject to status by Marks & Spencer Financial Services plc. Kings Meadow, Chester, CH99 9FB. Applicants must be UK resident, aged 18 and over and must have an annual income/pension before tax of £6,800 or more. Marks and Spencer plc, Waterside House, 35 North Wharf Road, London W2 1NW, acts as a credit broker and not a lender. Authorised and regulated by the Financial Conduct Authority (Register no. 718711).
We receive a payment from Marks & Spencer Financial Services plc for introducing customers who apply and are approved for credit. The payment is made to cover the costs we incur by offering credit products to our customers and may therefore vary depending on the credit product. It will not affect the amount you pay for credit. Sparks Pay T&Cs apply.