Why not spread the cost?
Payment Plans at John Lewis
From a particular product to a full renovation, bring your ideas to life with our credit options
Available on selected products when you spend £200 or more. Full payment examples and credit options are shown on every eligible product page.
Payment plan rates
Depending on the product and how much you spend we can offer two different interest rates.
0% APR* Interest Free Credit is available if you would like to spread the cost at no extra cost.
16.9% APR* If you prefer lower monthly payments, we offer Interest Bearing Credit.
16.9% APR* Interest Bearing Credit
Monthly terms
Pay over a variety of monthly terms depending on the price of the product.
No deposit required
Representative examples
Interest Free Credit
Interest Bearing Credit
Who can apply
18 years or over
UK resident for a minimum of 3 years
Annual income of £10,000 or more*
You'll need
A valid UK driving licence, passport or electricity bill
An email address
A valid UK mobile number
A UK bank account which supports Direct Debit
Payment Plans FAQs
What is the application process?
How do I manage my payment plan agreement?
How do I return or exchange an item?
Support with payments
What other financial services do you offer?
How many months can I spread my payments over for Home, Nursery and Electricals?
Depending on the product and how much you spend we can offer two different interest rates. Interest Free Credit is available if you would like to spread the cost at no extra cost. If you prefer lower monthly payments, we offer Interest Bearing Credit.
Interest Free Credit
Home & Nursery (excludes alcohol)
6 months - £200–£1,249.99
2 months - £500–£25,000
18 months - £1,250–£25,000
24 months - £3,000–£25,000
Electricals
Will vary and only available on selected products.
Interest Bearing Credit
16.9% APR Representative (Fixed)
Home & Nursery (excludes alcohol)
12 months - £200–£499.99
18 months - £500–£999.99
24 months - £1,000–£25,000
Electricals
12 months - only available on selected products.
24 months - £200–£25,000
36 months - £200–£25,000
Are payment plans available on Fitted Kitchens?
Yes, you can spread the cost on Fitted Kitchens.
You can borrow between £1,000 and £35,000 to spread the cost from 12 to 60 months in 12 month increments. A minimum deposit of 20% is required. 3.6% APR Representative (Fixed).
Pay monthly credit representative example:
Total amount of credit £8,000.
Deposit amount £2,000.
Interest rate 3.6% Fixed.
Representative 3.6% APR.
Duration of loan 48 months.
48 monthly payments of £178.99.
Total amount payable £10,591.52.
Visit the Fitted Kitchens page to find out more.