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Finance

If you’ve found the solutions to create your dream home, but need some help spreading the cost, we can offer you a range of finance options to help you make your dream a reality.

Interest-free credit

We offer interest-free credit (representative 0% APR) on our kitchens. Take advantage of our 12-month interest-free credit option available when you spend £1500 or more on your kitchen or our 24-month option available when you spend £3000 or more. Provided you spend at least £1500 on your kitchen, you will also be able to add the cost of our kitchen installation service to your 12-month interest-free credit agreement. (£3000 minimum spend for inclusion of the kitchen installation cost in a 24-month term). Interest-free credit offers may also be available in other areas of the store. For more information please speak to one of our co-workers in store.

Credit is provided by Ikano Bank AB (publ) and is available subject to status to UK residents who are aged 18 or over and have valid proof of identification*. Applicants must also hold a current UK bank account, have proof of income and a good credit history. A down payment of £10 is required from a current UK debit card. This is deducted from the total purchase price before calculating the loan amount and monthly repayments, which are taken via direct debit. IKEA Limited acts as a credit broker (not a lender) and only offers credit products for Ikano Bank AB (publ). Ikano Bank is authorised in Sweden by Finansinspektionen, the regulator for banks in Sweden, and is subject to limited regulation by the Financial Conduct authority. Ikano Bank is a trading name of the UK branch of Ikano Bank AB (publ), which is registered with branch number BR016253 and their registered office is: Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ.

*Valid proof of identification: current UK credit, debit or store card, full UK driver’s licence, UK or Eire passport or British Forces ID card. A debit card for the account from which your direct debit payments will be taken is also required.

Terms and conditions apply.

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IKEA personal loan

With an IKEA personal loan you can borrow between £150 and £1500 and spread the cost over 12 to 60 months with affordable, fixed payments of £10, £25, or £40 per month. There are no hidden set-up, arrangement or early settlement fees, so you know exactly what you will repay. All this at a very competitive representative 19.9% APR.

Representative example:
Total loan amount: £604
30 monthly repayments of: £25
One final payment of: £15.93
Total amount payable is: £765.93
Representative: 19.9% APR
Rate of interest: 18.3% fixed