Finance options
At IKEA, we’ve made it even simpler for you to make your home truly yours, whether you need a few weeks, or 50 months interest free*.
Looking for something moody and monochrome?
Try a METOD/SINARP/HASSLARP kitchen – $138.66 per month or $35.66 per week.
Pay bit-by-bit with humm or PayPal
Divide your purchase into 4 interest-free instalments when shopping online with IKEA. PayPal Pay in 4 allows eligible PayPal account holders to pay for IKEA purchases valued between $30 and $2000 in 4 interest-free instalments, with your first instalment due at the time you make your purchase. The next 3 instalments are due every 2 weeks after your first instalment. There are no sign-up fees or late fees, and repayments are made automatically from your PayPal account using the payment method you select at time of purchase.
When checking out online, select PayPal. Eligible purchases will be presented with the option to Pay in 4.
PayPal Pay in 4 is provided by PayPal Credit Pty Limited (ACN 600 629 258) to Australian residents and is subject to eligibility criteria and credit application. Available on eligible transactions between AU$30 and $2000. Use may impact a customer's credit score. Please see full terms and conditions for more details.
Buy today and take time to pay - with no interest, ever. With humm, you can apply for up to $2,000. Get fast approval and choose to repay your IKEA purchase in 5 or 10 slices - that's over 2.5 or 5 months. You can even choose to pay weekly or fortnightly. Plus, each payment frees your balance to spend again. When you buy a 'Little thing', there are no fees if you choose to pay it back over 2.5 months. If you choose to pay over 5 months, you'll pay just $8 a month. Minimum purchase over $500 for a 5 month payment plan.
- Be a permanent resident of Australia
- Be 18 years or older
- Have a valid email address and mobile number
- Have an Australian debit or credit card
- Have an Australian driver’s license, passport, or Medicare card
- Have a permanent job (at least 25 hours per week)
Shop with humm in-store at IKEA at any register, just tap your humm//CARD or select ‘humm’ and scan your barcode. When checking out online, activate your humm//CARD in the app, and enter those details in the credit card field at payment.
Download the humm app to get started.
Payment plan to approved applications only; fees, terms, conditions, minimum amounts, and exclusions apply. Credit provided humm BNPL Pty Ltd ABN 28 129 228 986.
If you have a bigger shopping list you can take more time to pay – still with no interest, ever. With humm ‘Big things’, you can apply for pre-approval up to $8,000 and repay it over 6-24 months. When you buy a 'Big thing' you'll pay an establishment fee. Then you'll pay just $8 a month. You will only ever pay single $8 monthly fee regardless of the number of ongoing humm payment plans you have. Apply before you shop, through the humm app. Just state how much you'd like pre-approved (up to $8,000) and you’ll need to share access to your bank statements for information to help in the approval process.
- Be a permanent resident of Australia
- Be 18 years or older
- Have a valid email address and mobile number
- Have an Australian debit or credit card
- Have an Australian driver’s license, passport, or Medicare card
- Have a permanent job (at least 25 hours a week) or be on aged/veterans’ pension
‘Big things’ is only available in-store. Shop with humm in-store at IKEA at any register, just select ‘humm’ at the checkout and scan your barcode. Download the humm app to get started.
Payment plan to approved applications only; Lending criteria, fees, terms, conditions, minimum amounts, and exclusions apply. An establishment fee between $30-$110 and an $8.00 monthly fee applies. Credit provided humm BNPL Pty Ltd ABN 28 129 228 986.
50 months interest free* with humm90
For your larger IKEA projects, use our 50 months interest free* option with humm90 on purchases over $5,000.
Apply online in minutes (you’ll need to be over 18, a permanent Australian resident and earning over $25,000 p.a.). You can also apply over the phone on 1300115533 or speak to an IKEA co-worker. Upon approval, you’ll receive an SMS with important information about your humm90 account and a 4 digit code to accept. Once accepted, complete your purchase straight away through an IKEA co-worker, or receive your humm90 card in the post to shop in-store or online.
Spend a minimum of $5,000 for 50 months, up to $50,000. A $99 annual fee applies. You can also spend between $2,000 and $4,999 to receive 12 months interest free*. The interest free period will be automatically applied to qualified purchases when using your card.
*Approved applicants only. Fees, terms, conditions & minimum finance amount apply, incl. $99 Annual Fee charged at the time the first debit is charged to your humm90 Mastercard Account and annually on the anniversary of that date. When you have met the Interest Free Criteria, the Annual Fee must be paid in full within the Interest Free Period or it will attract interest. If you do not meet the Interest Free Criteria the Annual Fee will attract interest from the date the Annual Fee is debited to your humm90 Mastercard Account. Up to 110 days Interest Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest Free Criteria meaning that all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Mastercard Purchase Rate. Minimum monthly repayment required. Interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. See humm90.com/au for current interest rates. Only available at humm90 Mastercard retail partners. Credit provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.
150 months repayments: The indicative repayments is only an estimate and results should be used as an indication only. They do not represent either a quote or pre-qualification or approval. In this instance, the indicative monthly repayment displayed is the contractual minimum monthly repayment (MMP) for the first month, which is the greater of 3% of the Eligible Unpaid Balance (as defined in the Humm90 Conditions of Use) or $30 as the MMP for the first month is greater than the finance amount divided by the Interest Free Period. Under the Conditions of Use, the contractual MMP will continue to decrease each month as the Eligible Unpaid Balance decreases and therefore, paying only the contractual MMP over the entire Interest Free Period would not repay the purchase price within the Interest Free Period. The indicative monthly repayment includes the $99 Annual Fee, charged at the time the first debit is charged to your Humm90 Account and annually on the anniversary of that date. The indicative repayments assumes no additional purchases, cash withdrawals, fees or charges are incurred.
212 months repayments: The indicative repayments is only an estimate and results should be used as an indication only. They do not represent either a quote or pre-qualification or approval. To take advantage of the Interest Free Period, the indicative monthly repayments stated would need to be made by the due date for each statement period. Therefore, you repay the purchase amount on your Humm90 Mastercard in full within the Interest Free Period. This monthly repayment excludes the $99 Annual Fee. The indicative monthly repayment is the finance amount divided by the Interest Free Period. The indicative repayments assumes no additional purchases, cash withdrawals, fees or charges are incurred.