Marks and Spencer Money is offering a 10 per cent cashback reward to customers who take out a personal loan for a period of 36 months or more.
Those who qualify for the offer will receive a refund of 10 per cent of the interest paid on the loan, once their final repayment has been made.
The typical rate on a £10,000 loan over 36 months is 8.7 per cent APR, but with the cashback reward taken into account the equivalent rate is 7.9 per cent.
Customers who repay their loan early will not get the cash back and will be charged one months interest if their loan term is over 12 months.
Chris Eagle, commercial manager at CreditChoices.co.uk, said: "With the cashback taken into account, M&S is offering some of the cheapest loans on the market."
"And the way this deal works - providing a cash boost at the end of the loan term - will certainly be attractive to many people."
The cashback reward offer is only available on loans taken out between 24 June and 11 August.






