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INTEREST FREE CREDIT ON SELECTED TECH AND APPLIANCES

Key facts


You can spread the cost over 12, 18 or 24 months on selected electrical or technology products. This gives you an affordable way to manage your repayments, with 0% representative APR and no arrangement fees or hidden extras. A minimum deposit of 10% is required.

Interest Free Credit is available when you spend at least £400 or more (up to a maximum of £25,000) on any Electrical or Tech product marked as qualifying for Interest Free Credit (will state 0% APR representative and the qualifying period, such as 12 months). Minimum prices will vary depending on the product.

Available by phone or in our shops - speak to a Partner in store, or call 01698 545111 when you’re decided on what you want to order.

 

How long is the repayment period?

Months Amounts
12, 18 or 24 £400 to £25,000
   

0% APR representative, subject to status.  Terms and conditions apply.

Check monthly payment schedule for borrowing below; a minimum deposit of 10% is required.

Ready to apply?

You can arrange your payment plan and order qualifying Electrical or Tech products on 01698 545111.

If you visit our shops, you'll need to arrange your payment plan with the John Lewis & Partners shop that’s organising delivery of your goods. To find out more, or to apply for Interest Free Credit, speak to one of our Partners in store (except John Lewis & Partners Heathrow or St Pancras International).

*Calls answered Mon-Fri 8am-8pm, Saturday 8am-6.30pm, Sunday 10am-6pm.

Payment tables

We offer Interest Free Credit (0% representative APR) when you spend at least £400 or more (up to £25,000) on selected products. Minimum prices will vary depending on product.

The table below shows the minimum deposit and monthly repayments you’d pay when you purchase qualifying electrical items:

Product price 10%
deposit
12 monthly
payments
18 monthly
payments
24 monthly
payments
Total
price
£400 £40 £30 N/A
N/A
£400
£500 £50 £37.50 N/A
N/A
£500
£600 £60 £45 N/A
N/A
£600
£700 £70 £52.50 N/A
N/A
£700
£800 £80 £60 N/A
N/A
£800
£900 £90 £67.50 N/A
£33.75
£900
£1,000 £100 £75 N/A
£37.50
£1,000
£1,400 £140 £105 N/A
£52.50
£1,400
£1,600 £160 £120 £80
£60
£1,600
£2,000 £200 £150 £100
£75
£2,000
£2,400 £240 £180 £120
£90
£2,400
£2,600 £260 £195 £130
£97.50
£2,600
£3,000 £300 £225 £150
£112.50
£3,000
£3,400 £340 £255 £170
£128
£3,400
£3,600 £360 £270 £180
£135
£3,600
£4,000 £400 £300 £200
£150
£4,000
£4,500 £450 £338 £225
£169
£4,500
£5,000 £500 £375 £250
£188
£5,000
£6,000 £600 £450 £300
£225
£6,000
£8,000 £800 £600 £400
£300
£8,000
£10,000 £1,000 £750 £500
£375
£10,000
£15,000 £1,500 £1,125 £750
£563
£15,000
£20,000 £2,000 £1,500 £1,000
£750
£20,000
£25,000 £2,500 £1,875 £1,250
£938
£25,000

Terms and conditions apply, subject to status.

Eligibility

For us to consider your application, we’ll need you to:

  • be 18 or over
  • a UK resident for more than 12 months
  • have your own personal bank account from which we can take a direct debit
  • have an email address (so that we can send you credit agreement documentation)
  • be employed, self-employed, retired or in receipt of disability allowance. If you’re not working, we’ll need a cohabiting spouse or partner who can provide employment details

How else can we help?

We offer a range of other financial products, from Travel, Home and Pet Insurance to International Payments and our credit card, the Partnership Card.

Visit John Lewis Finance to find out more.

We also offer Interest Free Credit on home furnishings and nursery products when you spend over £1000. For fitted kitchens and bathrooms, we offer a Fitted Furniture Payment Plan.