Car loans
Finance the purchase of a new or used vehicle with a car loan
What is John Lewis Money?
John Lewis Money, the financial services division of the John Lewis Partnership, offers a variety of financial products to its customers. These include personal loans, credit cards, and home, car, and pet insurance policies.
Additionally, John Lewis Money offers travel money services, and international payment solutions.
Zopa, established in 2005 and transitioning to a fully-fledged digital bank in 2020, manages the loan offerings under the John Lewis Money brand.
What types of loans does John Lewis Money offer?
John Lewis Finance, in partnership with Zopa Bank, offers unsecured personal loans tailored to various financial needs, including:
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Home improvement loans
Use a home improvement loan to make upgrades to your house or flat
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Debt consolidation
Simplify your finances by combining multiple debts into a single loan
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Wedding loans
Cover costs such as venue hire, catering, and all the glittering extras that make your wedding day extra special
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Holiday loans
Cover travel expenses and accommodation and plan your dream vacation with a holiday loan
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Unexpected expenses
Help pay for unforeseen costs such as car repairs or medical bills
How much can I borrow with a John Lewis loan?
You can borrow from £1,000 to £35,000 over one to seven years with John Lewis, through its lending partner Zopa. The interest rate will be tailored to individuals depending on your personal financial circumstances.
Why choose a John Lewis Money loan?
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Fixed interest rates
The interest rate you're offered is fixed for the duration of the loan
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Quick access to funds
Once approved, you could receive the money within 24 hours
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Eligibility checker
Assess your eligibility in minutes without impacting your credit score
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No guarantor required
Apply without the need for a third party to co-sign your loan
How quickly will I receive the money?
John Lewis says that 95% of successful loan applicants receive their money within a few hours of being approved.
Approval can also be a quick process. There’s no paperwork to send through the post and where possible, you’ll get an instant decision online from Zopa Bank.
Are there any fees or charges?
There is no arrangement fee for the loan and you won’t be charged a penalty fee if you miss a payment, although the amount of interest you’ll need to pay will build.
If you’re struggling with repayments, get in touch with Zopa Bank to see how they can help you. Missed or late repayments may affect your credit rating and access to credit in the future.
If you wish to pay off your loan early, early repayment fees will apply.
Am I eligible for a John Lewis Money loan?
To be eligible for a John Lewis Money loan, you must be:
Aged 20 or older
A UK resident with at least one year of address history
Employed, self-employed or retired with a pension
Have an annual income of at least £12,000 (before tax)
Have a good track record of repaying debt, e.g. utility bills and credit cards
Be able to afford the loan in relation to your income and outgoings
How to compare loans with MoneySuperMarket
We’re here to help find the right loan for you, so we’ll tell you which rates you’re guaranteed to get.
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Can I pay off my loan early?
Yes, you can pay off your John Lewis Money loan early but you will be subject to early repayment charges. If your monthly repayment is pending, your loan will only be officially closed once both your settlement amount and monthly payment have cleared.
How are early repayment charges calculated?
Early repayment charges are in the form of added interest and calculated based on your loan term. They are in line with the Government’s Consumer Credit regulations that were updated in 2024.
This means that if your loan term is 12 months or under, the early repayment charge will be equal to the amount of interest that would've been applied to your loan over a period of 28 days. If it's over 12 months, it'll be one month and 28 days' worth of interest.
Does John Lewis Money offer payment holidays?
No, John Lewis Money do not offer payment holidays. Zopa Bank, who are in partnership with John Lewis Money, have a specially trained team who an discuss options available to you if you can't keep up with regular payments.
What happens if I miss a payment?
If you miss a payment, you won't be charged more for paying late. You can call Zopa Bank or sign into your account and pay via debit card. However, missed payments can affect your credit score, so if you're struggling to make payments, it's best to contact Zopa sooner rather than later.
Can I take out a joint John Lewis Money loan?
No, Zopa, who provide John Lewis Money loans does not offer joint applications or guarantor loans.
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Reviewed on 8 Dec 2025 by
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