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Croft Lounge furniture

OUR SERVICES

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 purchases for your home, including selected nursery products, and until 18 November, single lighting items of £500 or more

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 here.

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

We're offering Interest Free Credit on lighting until 18 November, when you spend £500 or more on a single item

0% APR representative. Subject to status; terms & conditions apply

Find out more

INTEREST FREE CREDIT

We're offering Interest Free Credit on lighting until 18 November, when you spend £500 or more on a single item

0% APR representative. Subject to status; terms & conditions apply

Find out more

IFC

Key facts


You can spread the cost over 12 months for purchases of £1,000 or more, 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.

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 online or in store:

  • Indoor and outdoor furniture 
  • Selected Nursery products, including pushchairs and car seats (find out more here)

In our shops Interest Free Credit is also available on:

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

Until 18 November we're also offering Interest Free Credit on lighting when you spend £500 or more on a single item.

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

How long is the repayment period?

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

Lighting offer (until 18 November 2018 only)

1 year

£500 per item

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 certain items over the phone. For indoor or outdoor furniture (or lighting until 18 November 2018) call 0345 606 5019 or 01698 545 112 for nursery.

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 (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
  • 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.

There are also occasional, limited interest free credit offers on electricals and technology - find out more here. For fitted kitchens and bathrooms, we offer a Fitted Furniture Payment Plan

Payment tables

Product price 10%
deposit
12 monthly
payments
24 monthly
payments
Total
price
£500 (Lighting offer only) £50 £37.50 n/a £500
£800 (Lighting offer only) £80 £60 n/a £800
£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

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 & conditions for interest free credit (0% Representative APR)

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

For the Lighting Interest Free Credit offer until 18 November 2018, you need to spend a minimum of £500 per item to qualify, up to a maximum of £25,000. Repayments are monthly and the repayment period is 12 months.

Interest Free Credit is available on indoor and outdoor furniture and selected Nursery products in store or by calling 0345 606 5019 for furniture (and lighting until 18 November), 01698 545 112 for nursery, 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 fitted kitchens and bathrooms. ID may be required for the loan application and acceptance is subject to status.

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.

We also cannot accept applications at John Lewis & Partners 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 & Partners shop that’s organising your delivery.