Pay later. Earn Sparks. Shop smarter.
Lending & Credit
What is it?
Sparks Pay allows M&S customers to split payments into instalments while continuing to earn Sparks loyalty rewards. Integrated into the checkout journey, it combines flexible payments with personalised benefits—all under the trusted M&S brand.
Journey highlights
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Sparks Pay appears as a payment option at checkout. No plastic card required
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Customers apply or activate directly in the M&S site
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70 days interest free credit & 20% of first purchase
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45 days interest free credit on additional purchases
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Continue earning Sparks points on eligible purchases
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Full visibility of credit and repayment history within the M&S app
Sparks Pay turns flexible credit into a loyalty engine - rewarding shoppers every time they say yes
Why it matters
By embedding BNPL into its existing loyalty ecosystem, M&S creates a value loop—offering financial flexibility while strengthening emotional and transactional loyalty. Sparks Pay makes it easy for customers to say yes to bigger purchases, while keeping them within the M&S ecosystem.