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**

Independent financial information business, Defaqto, have awarded our Personal Loan with 5 stars.

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


Total repayable


APR illustrative


£1,000 £3,000 £5,000 £7,500 £15,000 £25,000
1 Year 2 Years 3 Years 4 Years 5 Years

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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. The maximum APR you could be offered is 20.9%.

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
(Max 20.9% APR)

Loans from
£3,000 to £4,999
16.9% APR
(Max 16.9% APR)

Loans from
£5,000 to £7,499
3.6% APR
(Max 9.6% APR)

Loans from
£7,500 to £15,000
2.9% APR
(Max 8.9% APR)

Loans from
£15,001 to £25,000
5.0% APR
(Max 11.0% APR)

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 straight away.

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

HSBC UK logo

HSBC UK Bank plc is our trusted partner in providing Personal Loans from John Lewis Finance.

*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. The loan amount you request will impact the rate offered.

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

John Lewis Finance is a trading name of John Lewis plc, registered in England with company number 233462, registered office 171 Victoria Street, London SW1E 5NN. Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 724309). John Lewis Financial Services Limited (a subsidiary of HSBC UK Bank plc) is registered in England with company number 464530, registered office 8 Canada Square, London E14 5HQ. Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 715060) including for the provision of payment services (Register number 542750). ‘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 Partnership.

John Lewis plc trading as John Lewis Finance acts as a credit broker for the purpose of introducing credit for John Lewis Personal Loans provided under exclusive arrangements with the lender John Lewis Financial Services Limited, a subsidiary of HSBC UK Bank plc.