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M&S car loan
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I have a 6% M&S loan. My (completely pointless) Experian credit rating was 514 if memory serves correctly. Had it since March this year. I know when I called to apply they told me they were snowed under with applications. Maybe they've just agreed a few more loans than they should have done @ 6% and need to even out the numbers to keep the 51%...other than that only M&S can tell you why they won't offer 6%.
Despite your worthless credit score of 514 yu must match the criteria set by M&S.0
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