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.

We’re here to help you plan your space and make it happen with Pay Monthly Credit.

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 in 12 month increments. A minimum deposit of 20% is required. 3.6% Representative APR

Pay Monthly Credit Representative example: Total amount of credit £8,000. Deposit amount £2,000. Interest rate 3.6% Fixed. Representative 3.6% APR. Duration of loan 48 months. 48 monthly payments of £178.99. Total amount payable £10,591.52.

Speak to a Partner in store for more details or call 0345 608 1070.

Am I eligible to apply?

For us to consider your application, you need to

  • be 18 years or over
  • have been a UK resident for a minimum of 3 years
  • have a valid email address and mobile phone number
  • have an annual income of £10,000 or more*
  • have a UK bank account from which we can take a Direct Debit
  • have a valid UK driving licence (full or provisional), recent electricity bill dated in the last 3 months or valid passport for ID

*Creation Consumer Finance Limited will take into consideration joint income if married / living with partner / in civil partnership. Acceptable forms of income are employment salary, self employed salary and dividends, Pension, Disability Living Allowance, Employment and Support allowance and Personal Independence Payment

Pay Monthly Credit Illustration
Product price 20% deposit Loan amount APR% Number of monthly payments Monthly payments Interest payable Balance to be paid Total payable
£1,000 £200 £800 3.6% 12 £67.95 £15.40 £815.40 £1,015.40
£2,000 £400 £1,600 3.6% 24 £69.15 £59.60 £1,659.60 £2,059.60
£5,000 £1,000 £4,000 3.6% 36 £117.28 £222.08 £4,222.08 £5,222.08
£10,000 £2,000 £8,000 3.6% 48 £178.99 £591.52 £8,591.92 £10,591.52
£20,000 £4,000 £16,000 3.6% 60 £291.36 £1,481.60 £17,481.60 £21,481.60
£35,000 £7,000 £28,000 3.6% 60 £509.89 £2,593.40 £30,593.40 £37,593.40

3.6% APR representative. Subject to status & affordability. A minimum deposit of 20% is required. Terms and conditions apply (see below).

What do I need to know about monthly payments?

You’ll repay the credit with a fixed rate of interest over the agreed term. Creation Consumer Finance Limited will collect your first payment approx. one month after your order is placed by Direct Debit and, continue to do so in equal monthly payments for the length of your agreement. You won’t be charged any additional fees as long as all payments are kept up to date.

Full details of your repayment schedule and interest payable will be detailed in your credit agreement which you will need to sign and agree to before placing your order. 

If you would like any support with managing your repayments, or if you would like to repay your credit early, you can contact Creation Consumer Finance Limited on 0333 032 7776. 

How do I manage my Pay Monthly Credit agreement?

When you apply and are accepted for Pay Monthly Credit you’ll receive an email from our credit provider, Creation Consumer Finance Limited, inviting you to register for their Online Account Management tool.

Once registered, you can find all the details about your credit agreement including when your repayments will start and your repayment schedule, as well as contact information should you wish to discuss anything further or ask any questions. 

You can also make additional payments or pay off your agreement early through Online Account Management if you choose to do so. 

I’ve changed my mind about taking Pay Monthly Credit?

Details about how to action your right to withdraw from the Pay Monthly Credit agreement are provided in your credit agreement. You have 14 full days from the day after your credit agreement is signed to action your right to withdraw from the credit agreement without incurring any charges. After this 14 day period, you can repay all or part of the credit at any time. You will not be charged any early settlement fees.

How else can we help?

We offer a range of other financial products, from Car, 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:

Terms and Conditions for Fitted Furniture Pay Monthly Credit

Important information

To qualify for Pay Monthly Credit on Fitted Furniture you need to spend a minimum of £1,000 (up to a maximum of £35,000) on all fitted Kitchens and Bathrooms (excludes Fitted Bedrooms). Repayments are monthly with a choice of repayment periods from 12 to 60 months in 12 month increments. 3.6% Representative APR.

Fitted Furniture Pay Monthly Credit is only available in John Lewis shops or by calling 0345 608 1070. A minimum deposit of 20% is required. ID will be required for the credit application and acceptance is Subject to status and affordability.

John Lewis PLC, 171 Victoria Street, London SW1E 5NN, acts as a Credit Broker (Register No. 724309) for the purpose of introducing the credit provided by Creation Consumer Finance Limited, (Register No. 311518). Both are authorised and regulated by the Financial Conduct Authority. Credit is available subject to status to UK residents aged 18 or over.