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Your ideal living space, with interest free credit

Found the perfect designer chairs? Make the living space you imagined a reality with Interest Free Credit for your home. We also offer a payment plan to help spread the cost of a new kitchen or bathroom - find out more about our Fitted Furniture Payment Plan.

INTEREST FREE CREDIT

We’re offering Interest Free Credit when you spend just £1000* or more on furniture, carpets, curtains or blinds and selected nursery products, including prams and car seats.

0% REPRESENTATIVE APR

*Subject to status. Terms and conditions apply. 

 

Interest free credit on lighting offer
IFC
What are the key facts with Interest Free Credit?

You can spread the cost over 12 months for purchases of £1,000 or more, or 24 months for purchases of £3,000 or more. This helps you to manage your repayments, with 0% APR representative and no arrangement fees or hidden extras. A minimum deposit of 10% is required, and a minimum 20% on fitted bedrooms.

Interest Free Credit is available when you spend £1,000 or more, up to a maximum of £25,000, on any of the following products either in store or by calling 0345 606 5019:

  • Home and Garden
  • Furniture and Lights
How long is the repayment period?
Months  Amounts
12  £1,000 to £25,000 
24  £3,000 to £25,000

 

0% APR representative, Subject to status & affordability. A minimum deposit of 10% is required, and a minimum deposit of 20% on fitted bedrooms. Terms and conditions apply. Check the monthly repayment examples for borrowing.

Ready to apply?

You can apply for finance and order certain items over the phone. For home products call 0345 606 5019. Calls answered Monday–Friday 8am–8pm, Saturday 8am–6.30pm, Sunday 10am–6pm.

If you visit our shops, you'll need to apply through 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.

If goods are being taken away on the day of purchase, or are not being delivered to the main residence, (second home, you are changing address), we'll require one of the following to be entered into the application as further proof of identity:

  • Driving Licence with your current residential address (within date)
  • Bank or Building Society statement dated in the last 3 months with the your current residential address
  • Public Utility Bill dated in last 3 months with your current residential address 
Am I eligible to apply?

For us to consider your application, you need to:

  • be 18 or over
  • have been 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 (to have your credit agreement sent to)
  • 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
  • provide a minimum 10% deposit (20% for fitted bedrooms)
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:

What are the monthly repayment examples?

Home products

Product price 10%
deposit
Loan
amount
12 monthly
payments
24 monthly
payments
Total
price
£1,000 £100 £900 £75 n/a £1,000
£2,000 £200 £1,800 £150 n/a £2,000
£5,000 £500 £4,500 £375 £187.50 £5,000
£10,000 £1,000 £9,000 £750 £375.00 £10,000
£20,000 £2,000 £18,000 £1,500 £750.00 £20,000

0% APR representative, Subject to status and affordability. A minimum deposit of 10% is required. Terms and conditions apply.

 

Fitted bedrooms

Product

price

20%
deposit
12 monthly payments 24 monthly payments Total
price
£1,000   £200 £67 n/a £1,000
£1,400   £280 £93 n/a £1,400
£1,600   £320 £107 n/a £1,600
£2,000   £400 £133 n/a £2,000
£2,400   £480 £160 n/a £2,400
£2,600   £520 £173 n/a £2,600
£3,000   £600 £200 n/a £3,000
£3,400   £680 £227 £113 £3,400
£3,600   £720 £240 £120 £3,600
£4,000   £800 £267 £133 £4,000
£4,500   £900 £300 £150 £4,500
£5,000   £1,000 £333 £167 £5,000
£6,000   £1,200 £400 £200 £6,000
£8,000   £1,600 £533 £267 £8,000
£9,000   £1,800 £600 £300 £9,000
£10,000   £2,000 £667 £333 £10,000
£15,000   £3,000 £1,000 £500 £15,000
£20,000   £4,000 £1,333 £667 £20,000
£25,000   £5,000 £1,667 £833 £25,000

Product price

20%
deposit

Loan

amount

12 monthly payments 24 monthly payments Total
price
£1,000 £200 £800 £66.66 n/a £1,000
£2,000 £400 £1,600 £133.33 n/a £2,000
£5,000 £1,000 £4,000 £333.00 £166.66 £5,000
£10,000 £2,000 £8,000 £666.66 £333.00 £10,000
£20,000 £4,000 £16,000 £1,333.33 £666.66 £20,000

0% APR representative, Subject to status & affordability. A minimum deposit of 20% is required. Terms and conditions apply.

Terms & conditions for Interest Free Credit (0% APR representative)

To qualify for the Interest Free Credit on Furniture or Furnishings, you need to spend a minimum of £1,000 (up to a maximum £25,000). Repayments are monthly and repayment periods are 12 months for purchases from £1,000, or your choice of either 12 or 24 months for purchases from £3,000.

Interest Free Credit is available on home and garden and furniture and lights in store or by calling 0345 606 5019. Calls answered Monday–Friday 8am–8pm, Saturday 8am–6.30pm, Sunday 10am–6pm. A minimum deposit of 10% is required, and a minimum 20% on fitted bedrooms. ID may be required for the loan application and acceptance is Subject to status & affordability.

For products requiring an estimating appointment prior to quotation, the Interest Free Credit offer is available provided that an appointment is booked within the offer period and the quotation accepted within 28 days of the appointment.

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.

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.