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 | Further details | FAQs

Option 1: 0% Financing

• Term: 12 months
• Annual percentage rate (APR): 0,0%, debit interest (fixed): 0,0%
• Financing amount: 120 to 10.000 Euro

^{For private customers on purchases from €120 up to €10,000. Does not apply to the purchase of IKEA gift cards. Approval is subject to a positive credit assessment.0% financing is available with a term of 12 months, an annual interest rate of 0% (effective APR), and a borrowing rate of 0.00% per annum (fixed).Lender: Ikano Bank AB (publ), Germany Branch Office, Wettinerstraße 5, 65189 Wiesbaden, Germany.}

Option 2: Project financing

• Term: 24 or 36 Months
• Annual percentage rate (APR): 6,99%, debit interest (fixed): 6,78%
• Financing amount: 3.500 to 20.000 Euro

^{Representative example: All our customers receive, for a loan term of 36 months with 36 instalments, an annual interest rate of 6.99% p.a. (effective APR) and a borrowing rate of 6.78% p.a. (fixed). For a net loan amount of €3,500, this corresponds to a monthly instalment of €107.72 and a total amount payable of €3,876.74. Lender: Ikano Bank AB (publ), Germany Branch Office, Wettinerstraße 5, 65189 Wiesbaden, Germany.}

Option 3: Flex Financing

• Financing amount: 120 to 20.000 Euro
• Terms from 3 to 59 months already from 120 Euro financing amount
• Terms from 60 to 84 months from 2.000 Euro financing amount
• Annual percentage rate (APR): 11,99%, debit interest: (fixed) 11,33%

^{Representative example: All our customers receive, for a loan term of 60 months with 60 instalments, an annual interest rate of 11.99% p.a. (effective APR) and a borrowing rate of 11.33% p.a. (fixed). For a net loan amount of €2,000, this corresponds to a monthly instalment of €43.82 and a total amount payable of €2,627.47.Lender: Ikano Bank AB (publ), Germany Branch Office, Wettinerstraße 5, 65189 Wiesbaden, Germany..}

Conditions for all financing options

• Valid for purchases in all departments
• Valid only for purchases at IKEA
• 10-week purchasing period from the date the agreement is concluded
• No application or processing fees
• Valid for customers whose main place of residence is in Austria

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. 

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
E-mail: ikea-finanzierung@ikanobank.at

Mondays to Saturdays: 8 AM to 6:30 PM

IKEA Austria customer service

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