To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyTo make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyPlease note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
Better known for its posh homewares, John Lewis also offers competitive, fixed-rate loans to new and existing John Lewis Money customers, through its partnership with Zopa Bank.
Our calculator lets you pick how much you want to borrow, over a timeframe that suits you, to estimate how much you would pay back each month and overall. We base our calculations on John Lewis’s representative APR, but it’s important to note that credit is subject to status and your circumstances may affect the rate you’re offered.
Well over 150 years since opening as a drapery store, John Lewis is still going strong as one of Britain’s best loved brands. John Lewis Money have released its new loan, a partnership with Zopa Bank.
Whatever it is that you could use some extra cash for, John Lewis Money offer loans from £1,000.00 to £35,000.00 at highly competitive rates.
John Lewis offers “unsecured” personal loans, which means that loan approval is based on individual creditworthiness rather than being secured on an asset such as a property. They have a fixed rate, which means that the amount you have to pay each month won’t change. Here’s a quick rundown:
The interest rate you’re offered will depend on factors like the amount you apply for, the term of the loan, your credit rating and your income. It may differ from the advertised “Representative APR”.
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000.00 to £35,000.00 |
| Loan terms | 1 year to 7 years |
| Loan rate type | Fixed |
| Product fee | 0% |
| Same-day funding available | |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct Debit |
If you’re comparing any credit-based products, it won’t be long before you’ll come across the Annual Percentage Rate (APR). This figure is designed to provide an annual summary of the cost of a loan. It takes into account both interest and any mandatory charges to be paid (for example an arrangement fee) over the duration of a loan.
All lenders must calculate the APR of their products in the same way, and must tell you the APR before you sign an agreement, so for consumers it can be a handy tool for comparison.
Bear in mind, however, that lenders are only obliged to award this rate to 51% of those who take out the loan – the other 49% could pay more. That’s why it’s often referred to as the representative APR.
You should only apply for a John Lewis Money personal loan if you’re certain you can meet the repayment terms, and you meet the following criteria:
Before applying for a John Lewis Money personal loan you’ll need your:
If you have an existing John Lewis Partnership Card, it’ll help speed up your application if you have your card or account number to hand.
If you’ve decided a John Lewis Money personal loan is for you, and you have to hand all the above information, you can apply online or call 0330 123 3396. Lines open:
John Lewis Money has received positive reviews from customers, according to review platform Trustpilot. It currently has a rating of 3.9 out of 5, based on more than 12,000 reviews (updated October 2024). Customers praised its helpful customer service, but others cited long applications.
The results of the Finder Customer Satisfaction Awards 2025 are in, and the winner of the personal loans category has been decided.
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