Why a home improvement loan with John Lewis?

Whether you’re planning a new garden, converting your loft or adding a conservatory, we could help you spread the cost with a personal loan, and let you focus on enjoying your new and improved home.


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.

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


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%.

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)


You'll need to be:

  • 18 years or over.
  • 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.

How do I register and log in?

To register and manage your account online, please follow our step-by-step login guide.

What should I do if I’ve forgotten my login details?

Go to the login page and select ‘Forgotten your username’ or 'Forgotten your password', and follow the instructions. If you've forgotten all of your login credentials, call us on 0345 266 1390.

What can I use my online account for?

Once registered for an online account you can:

  • View your current balance
  • View recent transactions and any previous annual statements
  • Make payments to your loan
  • Request an early settlement quote
  • Amend your Direct Debit bank details

Please note: you won't be able to use an online account if you live overseas.

How do I get a further copy of my annual statement?

The easiest way to get a paper copy of your statement is to download and print it yourself from your ‘My account’ page within your online account. It will be exactly the same as the copy we will have sent you by post. You can get a copy of any annual statement which has already been issued.

Log in to your online account, choose ‘My account’ and select 'Statements'. Use the year selection box to choose the statement that you want to see.

If you don't have a printer, please call 0345 266 1390.

How do I view my recent transactions?

To see recent transactions, log in to your online account, choose ‘My account’ and select 'Transactions'.

Can I increase my current borrowing?

We understand that situations can change and you might need extra funds. If so, you could apply for an additional loan.

Use our Loan Calculator to see what might suit you and once you've got a figure in mind, you can apply through your online account or call 0345 266 1380 and let us know how much more money you'd like to borrow. We'll give you an instant decision.

The rate we offer on any new loan could be higher then your existing loan. It will also depend on your personal circumstances, credit assessment and other related factors.


Can I settle my loan early?

You can repay your loan partially or in full at any time, and there may be a reduction in the amount of interest you have to pay.

The easiest way is to log in to your online account, choose ‘Manage my loan’ and select either ‘Make a payment’ or ‘Early Settlement Quote’.

Alternatively, you can call us on 0345 266 1390 for a settlement figure.

Are there any fees for settling my loan early?

No – we don’t charge any early settlement fees or extra interest if you wish to repay your loan early.

How do I apply for a Personal Loan?

You can choose to apply online, or apply over the phone by calling us on 0345 266 1380. Lines are open 7am-11pm.

What do I need for my application?

You’ll need:

  • Your UK bank account details.
  • Your 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.

Is there anything I can’t borrow the money for?

Yes, we don’t lend for:

  • Purchase or financing of timeshares
  • Purchase of a UK or foreign property
  • Business purposes
  • Stock market investment
  • Gambling
  • Illegal purposes
  • Deposits to support a mortgage application with a lender
  • Any mortgage payments, including repaying negative equity
  • Refinance of loans arranged through the Student Loan Company

Are there any sources of income you don’t accept?

Yes, some sources of income can’t be considered when you apply for a Personal Loan:

  • Child Benefit
  • Child Tax Credit
  • Foster Carer's Allowance
  • Guardian’s Allowance
  • Housing Benefit
  • Income Support
  • Jobseeker’s Allowance
  • Maintenance payments
  • ESA (Employment and Support Allowance) if you’ve been declared fit to work
  • Net profit from a business
  • Non-regular overtime or commission
  • Income from solar power generation
  • Only 75% of any rental income can be used to finance your loan
  • Only 75% of any investment income (dividends etc) can be used to finance your loan.

What does the application process involve?

When you apply online or over the phone you’ll 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.

What support do you offer during my application?

You can check your application status online with the application reference number we give you. Or you can call 0345 266 1380 (lines are open 7am-11pm).

When will I receive my loan?

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.

What if I change my mind?

If you change your mind and no longer want the loan, you’ll have 14 days to cancel your loan agreement. Just call us on 0345 266 1390. After this 14-day period, you'll be bound by the terms of your loan, but we don’t charge any early settlement fees if you wish to repay your loan early.

Can I take a payment holiday?

Yes – we give you the option to choose a loan payment holiday when you apply. This can be any month of the year, and applies for every year of your loan.

Please note: interest continues to be accrued daily during your payment holiday.

Can I opt for a payment holiday after I have completed the application, or during the loan term?

No – you must opt-in during the application process and decide which month you want your payment holiday to be.

Can I choose a payment (Direct Debit) date?

After you’ve made your first payment, you can change the date of your Direct Debit. To give us time to make this change, please call us at least 10 working days before your next payment is due. Call 0345 266 1390 and we’ll be happy to help you.

*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.

Copyright © John Lewis Partnership
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