Anyone who is over 18 years of age and a permanent resident in the UK.

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Under the terms of our consumer credit license, we can only lend to people who are permanent residents in the UK (including Northern Ireland). Unfortunately, we can’t offer the IKEA Home Card facilities to residents of the Channel Islands and the Isle of Man.

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It should take about 5 minutes to fill in all the details on the application form. After you’ve submitted the details we’ll review the information and contact you by post with a decision. This should take between 3 and 5 days.

If your application has been successful, we’ll send you a copy of your agreement along with the terms and conditions. Your agreement should be signed and returned to us as soon as possible. Following final checks we may then send your card and Welcome Pack to you.

If you have any questions at any time during this process, please contact us on:
0844 856 5770.

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We’ll send you a letter outlining the reason why you’ve been declined by our credit scoring system. If you’re still unsure as to why you’ve been declined we would advise you to obtain a copy of your credit file.

Your credit file relates to the information held about you by Credit Reference Agencies (CRAs). The CRAs serve as central databases holding all public and credit account information provided by lenders. Their information indicates how you conduct your agreement contracts with other lenders.

The reason why this data is reviewed when applying for credit is to assess the repayments that you have made on your current or previous credit agreements. This does not include credit balance information relating to your current bank or savings accounts.

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To obtain a copy of your credit file you can contact either Experian or Equifax: the Credit References Agencies. You'll need to send a cheque made payable either to Experian or Equifax to the value of £2 and include details of your current and previous addresses over the past 6 years.

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Credit scoring is a computer system that helps us process applications for IKEA Home Cards. It takes into account information provided directly by a customer and any information we may hold about that customer. It also uses information obtained from Credit Reference Agencies. The credit scoring system allocates points for each piece of relevant information and adds these up to produce a score.

Credit scoring calculates the level of risk for each applicant based on the information we have obtained. If the level of acceptable risk to us is exceeded, we will not accept the application. This does not necessarily mean that an applicant is a bad payer. It simply means that based on the information available to us, we are not prepared to take a risk of granting credit.

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You can contact us by phone or in writing.

If you have any questions before you have heard back from us please call us on
0844 856 5770.

Our hours of opening are:

Monday to Friday 8:30 to 10:30 (excluding Bank Holidays)
Saturday 8:30 to 7:30
Sunday 10:00 to 6:30

You can write to us at:

The IKEA Home Card
PO Box 333
Nottingham
NG7 5YY

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You can make a payment to your IKEA Home Card in a number of ways:

i. Direct Debit. If you would like to pay by Direct Debit, please complete the mandate at the bottom of the pre-printed application form that will be sent back to you for your signature. Alternatively, you could complete the form in the Welcome Pack or call us 0844 856 5770 to request a Direct Debit Mandate.

ii. By post. Please use the Bank Giro Credit slip attached to your IKEA Home Card statement and post it to us using the envelope enclosed with your statement.

iii. At your bank. Payments can be made at any UK bank using a cheque, cash or Postal Order. Please make your cheque payable to The IKEA Home Card and hand over your completed Bank Giro Credit slip. Some banks may charge for this service

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If you are accepted, your first statement will be sent to you one month following the date on which your account was opened. If you have a balance on your account, each subsequent statement will be sent to you on the same date of each month.

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There are currently 450,000 customers with an IKEA Homecard.

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