HOME & NURSERY INTEREST FREE CREDIT

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.

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.

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.

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:

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.

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.

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.

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

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.

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

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.