Why a personal loan from John Lewis?

With no hidden fees and a competitive rate, our personal loans are designed with the care and consideration that you'd expect from John Lewis.

No early settlement, admin or additional repayment fees

Loans from £1,000 to £25,000

Funds could reach your bank account within 3 working days

Get a quote without affecting your credit rating

Loan term from 12 to 60 months

Optional annual payment holiday**

Credit is subject to status and eligibility criteria apply

Get a quote without
affecting your rating

Our ‘soft search’ won’t affect your credit rating in any way, and you’ll find out your personalised rate and if you're likely to be approved.

Apply for your
loan today

It'll take as little as 15 minutes and you could have your funds in your account within 3 days.

LOAN CALCULATOR

Monthly repayments

£144.64

Total repayable

£8678.64

APR illustrative

3.3%

£1,000 £5,000 £10,000 £15,000 £20,000 £25,000
1 Year 2 Years 3 Years 4 Years 5 Years

Invalid Promo code

Representative Example

To borrow LOANAMOUNT would cost you INTERESTAMOUNT per month with LOANDURATION monthly repayments at a rate of interest (fixed) of INTERESTRATE. The total amount repayable would be TOTALTOPAY. This is equivalent to APRRATE representative. Customers who don't meet our normal lending criteria may be offered a different rate.

It's your loan,
on your terms

There could be a Personal Loan from John Lewis Finance that’s right for whatever you want to make happen in your life.

Here are all the rates we offer

Loans from
£1,000 to £2,999
20.9% APR
Illustrative

Loans from
£3,000 to £4,999
16.9% APR
Illustrative

Loans from
£5,000 to £7,499
3.6% APR
Illustrative

Loans from
£7,500 to £15,000
2.9% APR
Illustrative

Loans from
£15,001 to £25,000
5.0% APR
Illustrative

Top FAQs

You'll need to be:

18 years or over

Be a UK resident* with a UK bank account

Have a gross annual income or pension of £10,000 or more. 

 

You’ll need your:

UK bank account details

Home addresses for the last three years (including British Forces Post Office or overseas addresses)

Details of your gross annual income (minimum £10,000 per annum), and, if you’re employed, your employer’s address

If you have an existing John Lewis Partnership Card or Personal Loan it’ll help speed up your application if you have your card or account number.

 

*Excluding the Channel Islands and Isle of Man. Unless you're a member of HM Forces Personnel. 

When you apply online or over the phone you could get an instant decision. If you’re accepted we’ll ask you to sign your loan agreement digitally so we can complete the process quicker.

If you prefer to sign a paper copy, you should receive documents within two working days of making your application.

If we require additional information to process your application, once it has been received we’ll check everything over and let you know our decision. If successful, your loan will be deposited into your chosen account by Faster Payments within two working days. The electronic payment is sent directly to your bank account and the money can be withdrawn straightaway.

Once we’ve approved your application and checked your identity, we’ll provide an agreement for you to sign, either digitally or through the post. You’ll need to check all the details and sign the agreement, as well as a Direct Debit.

Once we have your signed documents, we’ll transfer the money directly to your bank account, usually two working days later.

Our partner

*2.9% APR representative on loans from £7,500 to £15,000. Other rates apply to other loan values. Rate is subject to status and to change. The representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances.

**If you choose to take an annual repayment holiday, more interest will be payable overall.

AC43714 John Lewis Financial Services Limited (a subsidiary of HSBC Bank plc), registered in England under Company Number 4645530. Registered office: 8 Canada Square, London E14 5HQ. Authorised and regulated by the Financial Conduct Authority under the Financial Services and Markets Act 2000 (Financial Services Register no 715060), and under the Payment Services Regulations 2009 (Payment Services Register no 542750) for the provision of payment services. “John Lewis Personal Loans”, “John Lewis Finance” and other terms including “John Lewis” are John Lewis Partnership brands and John Lewis Financial Services Limited uses them under licence from the John Lewis.