0% interest

No deposit required

No hidden charges

Pay in 12 monthly installments on home or nursery orders over £500

Pay in 24 monthly installments on home or nursery orders over £1,500

Representative Example of Interest Free Credit

  • Cost of your order: £1,000.00
  • Loan period: 12 months 
  • Representative APR: 0% APR 
  • 12 monthly repayments: £83.33
  • Total amount payable: £999.96
IFC logo

John Lewis plc acts as a credit broker and not a lender,
Credit subject to status. T&Cs apply. Credit is provided exclusively by the lender Creation Consumer Finance Ltd. 

Am I eligible to apply for credit?

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 ID such as a UK driving licence (full or provisional), recent electricity bill dated in the last 3 months or a valid passport
*Creation Consumer Finance will take into consideration joint income if married / living with a partner / in a 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

How do I apply for interest free credit?

You can apply for Interest Free Credit when you order online or via the app. Simply add the items to your basket and if your items are eligible (and your order meets the minimum spend) you can choose Interest Free Credit as your payment option.

Applying for credit is quick and easy, just follow these simple steps:

  • Select the Interest Free Credit payment option
  • Read and confirm your eligibility
  • Choose your term and review the monthly repayments
  • Complete a soft credit check and full credit application
  • If accepted follow the prompt to create you online account and sign your agreement


What do I need to know about repayments?

You’ll repay the Interest Free Credit over 12 or 24 months. Creation Consumer Finance Limited will collect your first payment approximately 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 interest or additional fees as long as all repayments are kept up to date.

Full details of your repayment schedule will be detailed in your credit agreement which you will need to sign and agree to before placing your order. (Please note, in some situations your repayments may begin before your order arrives).

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 Interest Free Credit agreement?

When you apply and are accepted for Interest Free 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. With Interest Free Credit, our credit provider will not charge you any early settlement fees for repaying your credit agreement early.

I’ve changed my mind about taking Interest Free Credit?

Details about how to act on your right to withdraw from the Interest Free Credit 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.

If you wish to cancel the credit agreement and return the item(s), please refer to the returns FAQ below.

Can I return or exchange an item bought using Interest Free Credit?

To return an item paid for with Interest Free Credit, you’ll need to follow our usual returns process. Find out more about returns here.

Once we have received your return, any payments already made by you will be refunded and your credit agreement cancelled.

You can exchange an item bought using Interest Free Credit. How your exchange is processed depends on what you would like to do:

Exchanging for the same item

if you need to exchange your item because it is damaged or faulty, or if you would like a different size, colour or style, you can do so by following the exchange process. If there are no price differences between your orders, your original credit agreement will continue. If the new item you wish to purchase is priced lower, your monthly repayments will remain the same but the length of your credit agreement will reduce.

Exchanging for a higher priced item

if you wish to exchange for a more expensive item, you will be required to set up a new credit agreement. To do this you will need to follow the returns process for your order which, once received by us, will ensure any payments you have made are refunded to you and the credit agreement cancelled. You will then need to place a new order at johnlewis.com using Interest Free Credit as your payment option.

Exchanging for a different item

if you wish to exchange your item for a different product type, for example exchanging a sofa for a wardrobe, you will need to follow the returns process and start a new credit agreement. Unfortunately, you cannot exchange one product type for another directly on the same credit agreement.

What can I do when I am concerned about my debts?

Support is available. Engaging with your lender/s at the earliest opportunity if you’re finding it difficult to make payments.

Are there organisations that offer help and advice relating to debts?

Yes there are and below are few to consider. You can contact these organisations for free, confidential and impartial money guidance and debt advice.

Citizens Advice: Advice and information on debt and other topics.

Citizens Advice Scotland: For advice and information on debt and other topics, contact your local Citizens Advice Bureau or call the helpline on 0800 028 1456.

National Debtline: If you live in England, Wales or Scotland phone 0808 808 4000 or visit its website for debt advice and information.

StepChange Debt Charity: Free debt advice throughout the UK phone 0800 138 1111 or visit the website.

Are there tools which can be used to help me budget?

Yes, money helper is a useful tool which offers guidance and support with budgeting

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.

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

To qualify for Interest Free Credit on Home (excluding alcohol), Garden, Nursery (excluding clothing), Furniture and Lighting, you need to spend a minimum of £500 (up to a maximum £25,000). Repayments are monthly and the repayment period is 12 months for purchases of £500 or 24 months for purchases of £1,500 or more.

ID will be required for the credit application (full or provisional UK driving licence, electricity bill dated in the last 3 months or valid passport) and acceptance is subject to status and affordability. Applying for Interest Free Credit at johnlewis.com will result in a check of your credit rating and may affect your credit score. 

John Lewis plc is a credit broker and not a lender. John Lewis plc, 171 Victoria Street, London, SW1E 5NN. Authorised and regulated by the Financial Conduct Authority (FRN 724309). Credit is provided exclusively by the lender Creation Consumer Finance Ltd. Credit subject to status to UK residents aged 18 or over.


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.


*Subject to status. Terms and conditions apply.