Why a car loan from John Lewis?

If you are considering buying a new car or upgrading your current car, we could help you spread the cost and let you focus on enjoying your new purchase.

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**

2.9% APR Representative
on loans of
£7,500 – £15,000 


Monthly repayments


Total repayable


APR illustrative


£1,000 £5,000 £10,000 £15,000 £20,000 £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 8.9%.

Here are all the rates we offer

Loans from
£1,000 to £2,999
20.9% APR

Loans from
£3,000 to £4,999
16.9% APR

Loans from
£5,000 to £7,499
3.6% APR

Loans from
£7,500 to £15,000
2.9% APR

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


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.

*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 Partnership.

Copyright © John Lewis Partnership
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