Financing

Because some things just can’t wait.

IKEA Financing helps you make your furnishing dreams come true now for payment in convenient instalments.

Payment in instalments is available on request both online and at IKEA stores. You can also use your IKEA Financing to shop both on IKEA.at and at an IKEA store.

Three steps to IKEA Financing | Instalment calculator | Further details | FAQs

Option 1: Classical financing

• Selectable term from three to seventy-two months
• APR: 6,99 %, debit interest (fixed): 6,78 %
• For purchases from € 100,- to € 10.000,-
• No application or processing costs
• Affordable optional payment default protection plan
• Instalment calculator for your monthly payment

_{General example: All our customers receive an APR of 6,99 % pa or fixed debit interest rate of 6,78 % pa for a term of thirty-six months; that’s thirty-six monthly instalments. At a net loan amount of € 3.000, this corresponds to a monthly instalment of € 92,32 and a total payment of €3.323,52. Lender: Ikano Bank AB (publ), Zweigniederlassung Deutschland, Otto-von-Guericke Ring 15, 65205 Wiesbaden}

Option 2: 0 % financing*

• Period: 12, 24, or 36 months
• APR: 0,0 %, debit interest (fixed): 0,0 %
• Interest-free for purchases at the IKEA store and IKEA Shop Online service for purchases from  € 1.000,-  to € 10.000,- 
• No application or processing costs
• Offer valid until revocation
• Valid for customers resident in Austria or Germany

_{*Offer valid until further notice for private customers from a purchase of €1,000 up to €10,000. Does not apply to the purchase of IKEA gift cards. A positive credit rating is required. 0% financing with a term of 12, 24 or 36 months, an annual interest rate of 0% (effective) or debit interest rate of 0.00% p.a. (fixed). Subject to printing and typesetting errors. Lender: Ikano Bank AB (publ), Zweigniederlassung Deutschland, Wettinerstraße 5, 65189 Wiesbaden, Germany}

Option 1: Convenient legitimation from the comfort of your own home

Simply legitimate yourself using the Video-Ident identification process. Use the simple and secure video identification process run by Deutsche Post. Start the legitimation process at any time here:

Option 2: Legitimation at an IKEA store

You can verify your identity at an information desk in your IKEA store with your valid ID and all other necessary documents. Find out more about the requirements and necessary documents!

Option 1: Finalize financing online

Once you have uploaded your contract and it has been approved, you will receive an email with your purchase voucher, including your financing number, which you can use when shopping at IKEA.at or in the store. 

Option 2: Finalize financing in your IKEA store

Once you have been verified by an IKEA employee at the store, you will receive your financing card. You can use this card to pay easily at the checkout in the store or on IKEA.at.

IKANO Bank customer service

Tel.:      +43 810 979 740
Fax:      +43 810 979 747
E-mail: [email protected]

Mondays to Saturdays: 8 AM to 6:30 PM

IKEA Austria customer service

Tel.: 0800 081 100
(toll-free in Austria)