IFC Hero

OUR SERVICES

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 Fitted Furniture Pay Monthly Credit

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. 

 

IFC

SERVICE UPDATE

Interest Free Credit is currently available online and in store.

Read our service updates

What are the key facts with Interest Free Credit at johnlewis.com?
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, with 0% APR representative and no arrangement fees or hidden extras. Interest Free Credit is available when you spend £1,000 or more, up to a maximum of £25,000, on a combination of any of the following products:
 
  • Home (excluding alcohol) and Garden
  • Furniture and Lighting
  • Nursery (excluding clothes)
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 and affordability. No deposit required. Terms and conditions apply . Check the monthly payment plans for borrowing.

Ready to apply?

You can apply for Interest Free Credit when you order Home, Garden, Furniture, Lighting and Nursery items at johnlewis.com 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 at the checkout.

It’s a quick and simple process to set up your credit agreement, we’ll:

  • Check if you’re eligible for credit* 
  • Check your ID
  • Ask you to e-sign your agreement

*A soft check takes place when checking your eligibility for Interest Free Credit (there is no search completed on your credit file). If you’re eligible and proceed to submit your full application, this will result in a check of your credit rating. This check may affect your credit score.

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 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

What are the monthly repayment examples?
Product price Loan
amount
12 monthly
payments
Total
payable
24 monthly payments Total payable
£1,000 £1,000 £83.33 £999.96 n/a n/a 
£2,000 £2,000 £166.66 £1,999.92 n/a n/a
£3,000 £3,000 £250.00 £3,000 £125.00 £3,000
£5,000 £5,000 £416.66 £4,999.92 £208.33 £4,999.92
£10,000 £10,000 £833.33 £9,999.96 £416.66
£9,999.84 
£20,000 £20,000 £1,666.66 £19,999.92 £833.33 £19,999.92

0% APR representative, Subject to status and affordability. No deposit required. Terms and conditions apply (scroll down the page for more information).

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
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 action 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.
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 & 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 £1,000 (up to a maximum £25,000). Repayments are monthly and the repayment period is 12 months for purchases of £1,000 or more, or 24 months for purchases of £3,000 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, 171 Victoria Street, London SW1E 5NN, acts as a Credit Broker and not as a lender. Credit is provided by Creation Consumer Finance Limited. Both are authorised and regulated by the Financial Conduct Authority. Credit is available subject to status to UK residents aged 18 or over.