John Lewis Money loans calculator and review

Our John Lewis loan calculator will help you work out how much you'll pay back on a John Lewis Money personal loan. Loan amounts between £1,000 and £35,000 starting from 9.9%.

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John Lewis Money
Name Product UKFPL Finder score Total Payable Monthly Repayment Representative APR Link
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Table: sorted by representative APR, promoted deals first

How does the John Lewis loan compare against the competition?

Name Product UKFPL Finder score Total Payable Monthly Repayment Representative APR Link
Novuna Personal Loan
4.4
★★★★★
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.9% p.a. (fixed). Representative APR 6.9% and total payable £11,064.60 in monthly repayments of £307.35.
My Community Bank Personal Loan
4.3
★★★★★
Check eligibility
View details
Representative example: Borrow £5,000 over 48 months at a rate of 24.2% pa (fixed). Representative APR 27.1% and total payable £7,853.87 in monthly repayments of £163.62.
Barclays Existing Current Account Loan
4.4
★★★★★
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.5% p.a. (fixed). Representative APR 6.5% and total payable £11,003.04 in monthly repayments of £305.64.
Plend personal loan
3.5
★★★★★
View details
Representative example: Borrow £8,000 over 48 months at a rate of 16.66% p.a. (fixed). Representative APR 17.99% and total payable £11,013.12 in monthly repayments of £229.44.
Tesco Bank Personal Loan
4.5
★★★★★
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.5% p.a. (fixed). Representative APR 6.5% and total payable £11,003.04 in monthly repayments of £305.64.
Tesco Bank Clubcard Personal Loan
4.5
★★★★★
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 6.1% p.a. (fixed). Representative APR 6.1% and total payable £10,941.12 in monthly repayments of £303.92.
Lendwise
3.5
★★★★★
View details
Representative APR 10% (fixed).
Zopa Personal Loan
4.0
★★★★★
View details
Representative example: Borrow £1,500.00 over 3 years at a rate of 22.9% p.a. (fixed). Representative APR 22.9% and total payable £2,028.60 in monthly repayments of £56.35.
Lloyds Bank Existing Customer Personal Loan
4.3
★★★★★
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 0.0% p.a. (fixed). Representative APR 0.0% and total payable £0.00 in monthly repayments of £0.00.
Fluro (formerly Lending Works) Personal Loan
4.3
★★★★★
Check eligibility
View details
Representative example: Assumed borrowing of £7,500.00 over 48 months at 17.9% APR representative. Monthly cost of £214.79. Total amount repayable of £10,309.78. Interest rate of 16.6% p.a.(fixed) and total fees of £150.00. Available for loan amounts between £5,000 - £25,000.
thinkmoney Personal Loan
1.5
★★★★★
View details
Representative example: If you borrow £29,100 over 12 years, initially on a fixed rate for 5 years at 8.885% and for the remaining 7 years on the Lender's standard variable rate of 9.285%, you would make 60 monthly payments of £375.53 and 84 monthly payments of £380.29.
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Please 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.

Late repayments can cause you serious money problems. See our debt help guides.

What are John Lewis loans?

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.

Key features of a John Lewis personal loan at a glance

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 typeUnsecured Personal Loan
Loan amounts£1,000.00 to £35,000.00
Loan terms1 year to 7 years
Loan rate typeFixed
Product fee0%
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 methodsDirect Debit
Representative example: Borrow £10,000.00 over 3 years at a rate of 16.9% p.a. (fixed). Representative APR 16.9% and total payable £12,606.12 in monthly repayments of £350.17.

What is APR?

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.

Am I eligible for a John Lewis Money personal loan?

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:

  • Aged 18 years or over
  • UK resident with a UK bank account
  • Minimum income of £12000.00 Per Annum

How can I apply?

Before applying for a John Lewis Money personal loan you’ll need your:

  • UK bank account details
  • Home addresses for the last 3 years (including British Forces Post Office or overseas addresses)
  • Details of your gross annual income (minimum £12,000 per annum), and, if you’re employed, your employer’s address

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:

  • Monday to Friday 8am – 7pm
  • Saturday 8:30am – 7pm
  • Sunday & bank holidays 10am – 2pm

John Lewis Money customer reviews

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.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise
Chris has written 613 Finder guides across topics including:
  • Loans & credit cards
  • Building credit
  • Financial health

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