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 over 12 to 60 months

Funds normally reach your bank within 3 working days

Optional annual payment holiday

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
  • 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, normally within three 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 three 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. 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 plc trading as John Lewis Finance, 171 Victoria Street, London SW1E 5NN acts as a credit broker (authorised and regulated by the Financial Conduct Authority, Financial Services Register number 724309) and not as a lender. Credit for John Lewis Personal Loans is provided under exclusive arrangements with the lender John Lewis Financial Services Limited (a subsidiary of HSBC UK Bank plc), authorised and regulated by the Financial Conduct Authority (Financial Services Register number 715060) including for the provision of payment services (ref: 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

Copyright © John Lewis Partnership
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