Nothing

Representative example for 24.9% APR: If product price £1,000.00 and your loan period is 3 years at 24.9% APR, you would pay 36 monthly repayments of £38.41, totalling £1,382.76. This includes £382.76 in interest.
Credit subject to status. UK 18+. John Lewis plc is an appointed representative of John Lewis Finance Limited, who is a credit broker. Creation Consumer Finance Limited is the Lender. T&Cs apply.