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Payment plans
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Payment Plans at John Lewis

From a particular product to a full renovation, bring your ideas to life with our credit options

Payment Plans at John Lewis

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

*APR is the annual percentage rate that represents the total cost of borrowing money over a year. Before taking out credit, it’s important to consider there may be additional charges if you’re not able to make your monthly payments on time. If you miss or can’t make payments, it might negatively affect your credit score and make it more difficult to take out credit in the future.

Monthly terms

Pay over a variety of monthly terms depending on the price of the product.

Payment Plans at John Lewis

No deposit required

Payment Plans at John Lewis

Representative examples

0% payment plan at John Lewis & Partners

Interest Free Credit

Cost of your order: £1,000.00

Loan period: 12 months

Representative APR: 0% APR (Fixed)

12 monthly repayments: £83.33

Cost of credit: £0

Total amount payable: £1,000.00

16.9% APR Payment Plan at John Lewis & Partners

Interest Bearing Credit

Cost of your order: £1,000.00

Loan period: 12 months

Representative APR: 16.9% APR (Fixed)

12 monthly repayments: £90.59

Cost of credit: £87.08

Total amount payable: £1,087.08

Payment Plans at John Lewis

Cost of your order: £1,000.00

Loan period: 24 months

Representative APR: 16.9% APR (Fixed)

24 monthly repayments: £48.82

Total amount payable: £1,171.68

John Lewis is a credit broker not a lender. Credit subject to status. Credit is provided by the lender Creation Consumer Finance Ltd.

Payment Plans at John Lewis

Who can apply

Payment Plans at John Lewis

18 years or over

Payment Plans at John Lewis

UK resident for a minimum of 3 years

Payment Plans at John Lewis

Annual income of £10,000 or more*

* We'll consider joint income if you're either married, living with a partner, in a civil partnership, in receipt of Disability Allowance, Employment and Support Allowance, or Personal Independence Payment.
Payment Plans at John Lewis

You'll need

Payment Plans at John Lewis

A valid UK driving licence, passport or electricity bill

Payment Plans at John Lewis

An email address

Payment Plans at John Lewis

A valid UK mobile number

Payment Plans at John Lewis

A UK bank account which supports Direct Debit

Payment Plans at John Lewis

How to apply

Simply add items to your basket and if one or more of items are eligible, you can choose credit as an option.

At checkout

Number 1
Number 2
Number 3
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Select the finance option you'd like
Review and confirm your eligibility
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Complete a soft credit check and full credit application for your finance option
Upon a successful application, sign your agreement and create an online account

Payment Plans FAQs

What is the application process?

Are payment plans available on all products?
Payment plans are only available on selected products. If your product qualifies for Interest Free Credit or Interest Bearing Credit, you will find a list of available payment plans on the product page or in your basket.

Where can I apply for credit?
You can apply for credit online, calling us, through the app or in most John Lewis shops.

Do I need to pay a deposit?
You don't need to pay a deposit.

What happens if I am referred?
A referred credit application means that, at the point of submission, the data that we received was insufficient to make an instant Accept or Decline decision and must be reviewed manually. If your application is referred, Creation Consumer Finance will call you within 48 hours. If they're unable to reach you, they'll email you with the outcome and next steps.

What happens if my application is declined?
If your application is declined, you'll receive an email with the details and there may be a search recorded for this application on your credit file. For example, a declined application may be the result of not passing the lender's credit score. You can still pay for your order through other payment methods shown at checkout.

Can I take out more than one payment plan?
Yes, you can. Please be aware that you'll need to go through a credit check for each payment plan and approval will be subject to the relevant checks.

Will my application show up on my credit file?
If you complete a full credit application which results in a decision, a hard credit search will be recorded on your credit file. If you complete an eligibility check, only a soft credit search is performed and wont show up on your file.

How do I manage my payment plan agreement?

How do I manage my payment plans and can I pay off my plan early?
If your application is accepted, you'll receive an email from Creation Consumer Finance to register for their online account management tool.

Upon registering, you'll find details about your agreement, including when your repayments begin and contact information if you have any questions about your plan.

You can also make additional payments or pay off your agreement early through the online account management tool. Creation Consumer Finance will not charge you extra for repaying your agreement early.

When will my first payment be taken?
Creation Consumer Finance will take your first payment by direct debit approximately one month after your order is placed.

Can I change the date of my direct debit?
You can change the date of your direct debit. You can do so using the online account management tool.

Where will I find details about my repayment schedule?
Details of your repayment schedule will be detailed in your credit agreement which you'll need to sign and agree before placing your order.

In some cases, your repayments may begin before your order arrives.

If you'd like support with managing your repayments or want to repay your credit early, please contact Creation Consumer Finance on 0333 032 7776. Call charges may vary. Please contact your phone company for details. Calls may be recorded and monitored.

I've changed my mind about taking credit. What are my options?
Details about how to act on your right to withdraw from credit are provided in your credit agreement. From the day you sign your agreement, you have 14 days to withdraw without incurring any charges. After 14 days, you can repay all or part of the credit at any time. Creation Consumer Finance will not charge you extra for repaying your agreement early.

If you wish to cancel the credit agreement and return the items, please refer to the returns FAQ below.

How do I cancel my agreement?
If you need to cancel your agreement, please contact Creation Consumer Finance on 0333 032 776. Call charges may vary. Please contact your phone company for details. Calls may be recorded and monitored.

What happens if I miss a payment?
If you miss a payment, you'll need to contact Creation Consumer Finance on 0333 032 7776. Please be aware that missing payments and making a late payment could impact your credit score. Call charges may vary. Please contact your phone company for details. Calls may be recorded and monitored.

How do I make a complaint about the product?
If you're not happy with your product, please speak to us so that we can try put matters right.

If your complaint is about the website, call us on 03456 050 144. Our lines are open 8am – 9pm, 7 days a week. Call charges may vary. Please contact your phone company for details. Calls may be recorded and monitored.

If your complaint is about one of our shops, speak to one of our partners in store or you can call us on 03456 100 367. Our lines are open:

Monday – Friday, 8am – 9pm
Saturday, 8am – 8pm
Sunday and Bank Holidays, 10am – 6pm.

You can also complete our webform. This will help to direct your complaint to the most suitable department.

How do I make a complaint about my payment plan?
If you have a complaint about your payment plan, you can call Creation Consumer Finance on 0333 032 7776. Their lines are open:

Monday – Friday, 8.30am – 5.30pm
Saturday, 8.30am - 5pm.

If you prefer to send an email, you can email complaints@creation.co.uk. For more information, please visit creation.co.uk.

Call charges may vary. Please contact your phone company for details. Calls may be recorded and monitored.

How do I return or exchange an item?

Can I return or exchange an item bought using a payment plan?
To return an item paid for with credit, please follow our usual returns process. Find out more about our returns process.

Once we've received your return, any payments made will be refunded and your credit agreement cancelled.

You can also exchange an item bought using credit.

Exchanging for the same item
If you wish to exchange your item because it's damaged or faulty, or if you'd like a different size, colour or style, you can follow our usual exchange process. If there are no price differences between our 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 more expensive item
For more expensive items, you'll need to set up a new credit agreement. Follow the returns process for your order which, once received by us, will ensure any payments you've made are refunded to you and the credit agreement cancelled. Then you'll need to place a new order on our website using credit as your payment option.

Exchanging for a different item
If you wish to exchange for a different product type, you'll need to follow the returns process and start a new credit agreement. You cannot exchange one product type for another on the same credit agreement.

Support with payments

Is there support available if I'm struggling with my payments?
Support is available to you. Please reach out to Creation and any other lenders you have agreements with as soon as possible if you’re finding it difficult to make your payments.

Are there organisation that offer help and advice relating to debts?
Yes, there are. 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 – Advice and information on debt and other topics. Contact your local bureau or call the helpline on 0800 028 1456.

National Debtline – If you live in England, Wales or Scotland, call 0808 808 4000 or visit their website for debt advice and information.

StepChange Debt Charity – Free debt advice available throughout the UK, call 0800 138 1111 or visit their website.

Are there tools which can help me budget?
Yes, MoneyHelper is a useful tool which offers guidance and support with budgeting.

What other financial services do you offer?

We offer a range of other financial products from car, home and pet insurance to international payments and our credit card. Visit John Lewis Finance to find out more.

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.