Croft living room
Your ideal living space made more affordable

The designer chairs you’ve always wanted. The window shutters that frame the whole room. And that beautiful hardwood floor. If you’ve already imagined your ideal living space, we can help you make it a reality with Interest Free Credit on larger purchases for your home.

You can spread the cost over 12 months for purchases of £1000 or more to be spread over 12 months, or up to 24 months for purchases of £3,000 or more. 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, and a minimum 20% on fitted bedrooms.

Key facts

Interest Free Credit is available when you spend £1000 or more (up to a maximum of £25,000) on any of the following furnishing products:

  • Indoor and outdoor furniture
    Available online or in our shops - speak to a Partner in store, or if you’re buying online, call
    0345 606 5019* when you’re decided on what you want to order

In our shops Interest Free Credit is also available on:

  • Floor coverings
  • Fitted bedrooms
  • Made to measure curtains, poles, blinds and shutters

Speak to a Partner in store to apply or find out more

How long is the repayment period?

Years Amounts
1 year £1000 to £2,999
2 years £3,000+

0% APR representative, subject to status and terms and conditions apply

Check monthly payment schedule for borrowing
(A minimum deposit of 10% is required, and a minimum 20% on fitted bedrooms.)

Ready to apply?

You can arrange your payment plan and order indoor or outdoor furniture on 0345 606 5019*.

If you visit our shops, you'll need to arrange your payment plan with the John Lewis 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 Heathrow or St Pancras International).

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

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.

Spread the cost with 0% representative APR Interest Free Credit

We offer Interest Free Credit (0% representative APR) when you spend £1000 or more on selected products.

The table below shows the minimum deposit and monthly repayments you’d pay when you purchase: furniture, floor coverings, made to measure curtains, blinds or shutters.

Product price 10%
deposit
12 monthly payments 24 monthly payments Total
price
£1,000 £100 £75 n/a £1,000
£1,400 £140 £105 n/a £1,400
£1,600 £160 £120 n/a £1,600
£2,000 £200 £150 n/a £2,000
£2,400 £240 £180 n/a £2,400
£2,600 £260 £195 n/a £2,600
£3,000 £300 £225 £113 £3,000
£3,400 £340 £255 £128 £3,400
£3,600 £360 £270 £135 £3,600
£4,000 £400 £300 £150 £4,000
£4,500 £450 £338 £169 £4,500
£5,000 £500 £375 £188 £5,000
£6,000 £600 £450 £225 £6,000
£8,000 £800 £600 £300 £8,000
£10,000 £1,000 £750 £375 £10,000
£15,000 £1,500 £1,125 £563 £15,000
£20,000 £2,000 £1,500 £750 £20,000
£25,000 £2,500 £1,875 £938 £25,000

Terms and conditions apply, subject to status.

The table below shows the minimum deposit and monthly repayments you’d pay when you purchase fitted bedroom furniture

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

Terms and conditions apply, subject to status.

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

To qualify for the Interest Free Credit you need to spend a minimum of £1000 (up to a maximum of £25,000). Repayments are monthly and repayment periods are 1 year for purchases from £1000 to £2,999 or your choice of either 1 year or 2 years for purchases of £3,000 or more.

Interest Free Credit is available on indoor and outdoor furniture, in store or by calling 0345 606 5019, 8am - 8pm Monday-Friday, 8am - 6.30pm on Saturday and 10am - 6pm on Sunday, with a minimum deposit of 10% required. It is also available in store only on floor coverings, curtains, poles, blinds and shutters with a minimum deposit of 10% required, and on fitted bedrooms with a minimum deposit of 20% required. Offer excludes nursery furniture. 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 (regulated by the Financial Conduct Authority licence number 724309) for the purpose of introducing the credit provided by the lender Hitachi Personal Finance, a division of Hitachi Capital (UK) PLC (Regulated by the Financial Conduct Authority licence number 704348 . John Lewis does not receive a commission from HCCF and do not have arrangements with any other lenders in relation to the Interest Free Credit.

We 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.