Enjoy a loan that feels good
from start to finish

We want you to be happy not just on the day we fund your loan, but every day. So we designed a personal loan unlike any other – one that gives you more flexibility and recognises that life isn't always predictable.

2.8% APR Representative
on loans of
£7,500 – £15,000  

No hidden fees

At John Lewis Finance, you’ll never be charged a fee for any admin, making an additional repayment or settling a little earlier than agreed.


It always pays to shop around, so we constantly compare the market to make sure you always get a great deal.

Learn more


We think it might be helpful to free up a little extra money once a year, so we offer you the option of choosing your own annual payment holiday.*

Learn more


When you ask for a Personalised Loan Quote, we’ll give you your rate and perform a ‘soft’ check of your credit so it doesn’t affect your rating. Until you’ve actually applied, it’s as if you never enquired at all.

Get a quote

Use our
Loan Calculator

Get a Personalised
Loan Quote

Apply for your
loan today

To be eligible to apply 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

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

You'll also need to tell us your:

UK bank account and sort code details

Addresses over the last three years

Gross monthly income

As a lender, we’re committed to the Standards of Lending Practice. This sets out some of our key responsibilities, and what we ask of you to ensure that the relationship works well for both of us.

 Want to see how a loan could fit into your monthly budget? We’ve developed this handy budget planning form (PDF) to help you.


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

*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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