Personal Loan

Personal Loan benefits

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.

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

Competitive rates

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

PAYMENT HOLIDAYS

You might want to free up some extra money once a year, so we give you the chance to take an annual payment holiday.**

No hidden fees

We won’t charge you for making an additional repayment or for settling your balance a little earlier than we first agreed.

Learn more

Credit subject to status, T&Cs apply. John Lewis plc trading as John Lewis Finance acts as a credit broker and not a lender.

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Loan Calculator

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Apply for your
loan today

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Here are all the rates we offer

Loans from
£1,000 to £2,999
20.9% APR
Illustrative
(Max 20.9% APR)

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

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

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

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

Eligibility

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

Lending standards

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.

Budget planner

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

Terms and conditions

It's your loan, on your terms

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, you’ll pay more interest 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

AC43714

Copyright © John Lewis Partnership
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