Sofa Reuse Service

Hitatchi Personal Finance - Spread the cost of your purchase

Whether you're renovating, replacing or decorating your new home, at Hitachi Personal Finance we understand that when it comes to your home every penny counts. That's why we're offering affordable and flexible Interest Free Credit at 0% representative APR to customers making larger purchases in John Lewis shops.

Key facts

Our simple payment plan allows you to spread the cost of your purchase over 1 or 2 years, all we require is:

  • A spend of £1,000 and above (to a maximum of £25,000)
  • A minimum deposit of 10% on all indoor or outdoor furniture, floor coverings, curtains, poles, blinds and shutters; or 20% on fitted bedrooms, bathrooms and kitchens

You can purchase Interest Free Credit in store on all furniture, fitted bedrooms, bathrooms and kitchens, including large home appliances when they are being installed in a new kitchen supplied and fitted by us. It's also available on floor coverings outdoor furniture. Plus, made-to-measure curtains, poles, blinds and shutters.

You'll need to arrange your payment plan at the John Lewis shop which will be organising delivery of your goods.

There are no arrangement fees or hidden extras.

If you wish, you can settle any outstanding amount on your balance early without penalty.


How long is the repayment period?

Years Amounts
1 year £1,000 to £2,999
2 years £3,000+

0% APR representative, subject to status and terms and conditions apply


Ready to apply?

To find out more, or to apply for Interest Free Credit, speak to one of our Partners in store (except Heathrow or St Pancras International).


Small print


Not all products shown in the image above are available to purchase on Interest Free Credit

Terms and conditions for Interest Free Credit (0% representative APR)

To qualify for the Interest Free Credit you need to spend a minimum of £1,000 (up to a maximum of £25,000). Repayments are monthly and repayment periods are 1 year for purchases from £1,000 to £2,999 or your choice of either 1 year or 2 years for purchases of £3,000 or more. Interest free credit is only available in store on indoor and outdoor furniture, floor coverings, curtains, poles, blinds and shutters with a minimum deposit of 10% required and on fitted bedrooms, bathrooms and kitchens with a minimum deposit of 20% required. Offer excludes nursery furniture. ID may be required for the loan application and acceptance is subject to status. John Lewis Plc, 171 Victoria Street London SW1E 5NN, is a Credit Broker (regulated by the Financial Conduct Authority licence number 515731) for the purpose of introducing the credit provided by the lender Hitachi Capital (UK) Plc trading as Hitachi Capital Consumer Finance (HCCF), 2 Apex View, Leeds, LS11 9BH. (HCCF are regulated by the Financial Conduct Authority number 449753). John Lewis do not receive a commission from HCCF and do not have arrangements with any other lenders in relation to the Interest Free Credit

For more information, please call your nearest John Lewis, except Heathrow or St Pancras International..