Financing

IKEA Financing for individual and business customers

IKEA Financing gives you maximum flexibility and control over your budget at fair terms. Our financing services are designed to provide individual and business customers financial leeway and planning security.   

Whether you want to finance a couch, a wardrobe, a new kitchen or an entire office: It is easy to apply for IKEA Financing online or in store – with no hidden fees, an instant credit decision and transparent terms. For greater peace of mind and monthly budgets under your control. 

Here are just a few of the benefits you can look forward to  

• 0% financing from IKEA on furniture, electrical appliances and more
• Up to three interest-free instalments through IKEA Financing
• Buy now, pay later with the IKEA invoice purchase option
• Special offers for IKEA Family and IKEA Business Network members
• The IKEA Family credit card with attractive bonus programmes
• The IKEA For Business payment card with transparent invoicing  

… and so much more. Moving into a new home, renovating or building from the ground up? Whether you shop at ikea.ch, using the IKEA app or in your local IKEA store, our many financing and payment options are there for you when you want them. Together, we can find a way to make your dream home or office a reality – without breaking your budget. 

IKEA Financing on fair terms for individual customers

Furnish your home exactly the way you like it – and pay in a way that suits you. It’s possible with IKEA Financing for individual customers. If you meet the requirements for financing, you can choose between two options:  

• The IKEA Family credit card is your Mastercard, valid worldwide, with a credit limit of up to CHF 5,000 plus various other benefits. From paying in instalments (interest-free for the first three months) to bonus programmes and travel and purchase protection insurance: This card is far more than just a payment method – and there’s no annual fee to pay either. Become a member of the IKEA Family now, then apply for your digital and physical credit card and start enjoying the benefits.   
• Our invoice purchase option for online orders makes it easier for you to finance furniture and manage your budget. When you shop with us online, it’s all about flexibility. Prefer to pay after 30 days or split the amount into three interest-free instalments? No problem. Now you can plan with confidence and make your home exactly the way you want it. 

Here's a clue: As a member of the IKEA Family, you’re not only eligible to apply for our credit card, but you can benefit from various very special offers. Think of them as a little extra financing on our part.    

IKEA Financing for business customers: Flexibility for companies

We provide small, medium-sized and large companies with advice and support through our IKEA Business Network and the Business Interior Design Service. Our financing products are just as important as our custom design service, professional advice and numerous offers for business customers. If you want the greatest possible financial flexibility for your business, IKEA is the right partner for you:  

• Our invoice purchase option for business customers is as easy as it is convenient – both online and in your local IKEA store. Buy today, pay in 30 days: You benefit from flexibility with us.
• The free IKEA for Business payment card enables you and up to 99 co-workers to shop on account online and at any IKEA store in Switzerland. You receive a VAT-compliant invoice as standard – with a payment term of 30 days.   

Looking for a practical financing option for new office furniture? Want to redesign your office environment, create more space or revamp your storage areas and workspaces to suit your style while keeping a close eye on your budget and avoiding overspending? Now is the time to discover IKEA Financing for business customers – it’s transparent, fair and simple.      

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