Fitted furniture plan guide



The kitchen and bathroom are a part of our everyday lives. Getting together around the table. Enjoying long hot soaks in the bath. It’s why we appreciate that every detail has to be just how you want it, down to the last precious inch.

We’re here to help you plan your space and make it happen with a payment plan.

We offer an extensive collection of bespoke kitchens and bathrooms in a range of beautiful finishes and options, plus a careful, expert installation service.

You can borrow between £1,000 to £35,000 and spread the cost over 12 to 60 months. Interest rates are split into two tiers:

• £1,000 to £7,499 – 3.6%

• £7,500 to £35,000 – 2.9%

Payment plan options are shown in the table below. Speak to a Partner in store for more details


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.

Payment Plan Illustration

Loan APR% Term (years) Interest Total price
£1,000 3.6% 2 £37.29 £1,037.29
£2,000 3.6% 2 £74.62 £2,074.62
£3,000 3.6% 3 £166.65 £3,166.65
£4,000 3.6% 3 £222.18 £4,222.18
£5,000 3.6% 4 £369.92 £5,369.92
£6,000 3.6% 4 £443.90 £6,443.90
£7,499 3.6% 5 £694.65 £8,193.65
Loan APR% Term (years) Interest Total price
£8,000 2.9% 3 £357.84 £8,357.84
£10,000 2.9% 3 £447.40 £10,447.40
£15,000 2.9% 4 £892.90 £15,892.90
£17,000 2.9% 5 £1,265.67 £18,265.67
£19,000 2.9% 5 £1,414.56 £20,414.56
£22,000 2.9% 5 £1,637.90 £23,637.90
£25,000 2.9% 5 £1,861.22 £26,861.22

Terms and Conditions

Important information

  • To qualify for fitted furniture payment plan you need to spend a minimum of £1000 (up to a maximum of £35000) on all fitted Kitchens and Bathrooms (excludes Bedrooms).
  • Repayments are monthly with a choice of repayment periods from 12 to 60 months in 12 month increments.
  • Fitted furniture payment plan is only available in store with a minimum deposit of 20% required.
  • ID may be required for the loan application and acceptance is subject to status
  • John Lewis & Partners PLC, 171 Victoria Street, London SW1E 5NN, is a Credit Broker (regulated by the Financial Conduct Authority licence number 724309) 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).

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