We’re having to temporarily suspend all new Interest Free Credit (IFC) applications from 26 March 2020. If you started an application before this date, it will still be processed. If you have any queries, please find the contact details below.
INTEREST FREE CREDIT ON SELECTED TECH AND APPLIANCES
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 £300 up to a maximum of £25,000 on selected Electrical or Tech products marked as qualifying for Interest Free Credit (will state 0% APR representative and the qualifying period, such as 12 months). Minimum prices and promotion start and end dates may vary depending on the product. Available in our shops, or call 01698 545 111.
How long is the repayment period?
|12, 18 or 24||£300 to £25,000 on selected products|
|Minimum repayment periods apply to amounts under £400|
Check monthly payment schedule for borrowing
(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
We offer Interest Free Credit (0% representative APR) when you spend at least £300 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:
*Promotional offer only until 29 April. Dyson products £299 and over available over 6 months until 6 May only. Terms and conditions apply, subject to status.
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.
Terms & conditions for Interest Free Credit on Electricals (0% Representative APR
To qualify for the Interest Free Credit you need to spend a minimum of £300 up to a maximum of £25,000. Repayments are monthly.
Interest Free Credit is available on selected Electrical products in store or by calling 01698 545 111 8am - 8pm Monday-Friday, 8am - 6.30pm on Saturday and 10am - 6pm on Sunday, with a minimum deposit of 10% required. 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 (Register no. 724309) for the purpose of introducing the credit provided by the lender Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC (Register no. 704348). Both are authorised and regulated by the Financial Conduct Authority.
We also cannot accept applications at John Lewis Heathrow or St Pancras International. If you’re buying in store, you’ll need to arrange your Interest Free Credit at the same John Lewis shop that’s organising your delivery.