Kitchen financing
Would you like to finance your dream kitchen flexibly? Whether you’re shopping in a store or making a convenient purchase via our online consultation service, you can pay for your kitchen in fixed monthly instalments through our partner, Cembra.
Kitchen Financing from 0.9%*
IKEA Family offer from 05.10. until 01.11.2026
Enjoy a brand new kitchen,pay in 48 installments with 0.9% APR*
For kitchen purchases over CHF 5,000, our loan service provided by Cembra lets you spread the cost over time, making it easier to bring your plans to life.
*Valid until 1 November 2026. Following a careful review of the application and conclusion of the agreement, the approved credit for goods or services will be paid directly to IKEA once the statutory 14-day withdrawal period has expired. Example calculation: For a loan taken for a cash purchase price of CHF 10,000 with a term of 48 months and an effective annual interest rate of 0.9%, the monthly instalment is CHF 212.90 and the total cost, including interest, is CHF 10,219.20. The lender is Cembra Money Bank AG, based in Zurich. Granting credit is prohibited if it leads to the consumer becoming over-indebted. This offer is available exclusively to persons of legal age residing in Switzerland.
Your benefits
Attractive interest rate
Financing from 3.95% p.a.* over a term of 48 months.
Flexible financing
Buy and finance your complete kitchen solution, worth between CHF 5,000 and CHF 40,000.
Services included
Services such as delivery and kitchen installation are included in the total financing amount.
How it works:
- Get advice on your kitchen and financing options, either in the store or via a convenient online consultation.
- IKEA initiates the finance process through our partner, Cembra.
- Complete the finance application online and submit the required documents. Cembra will review your application and enter into the finance agreement directly with you.
- In the meantime, you can plan your dream kitchen together with our co-workers.
- Once the 14-day cooling-off period has expired and the finance has been paid out, we’ll finalise the kitchen purchase for you.
- You’ll receive payment details for your monthly instalments directly from our partner, Cembra.
* Following a careful review of the application and conclusion of the agreement, the approved credit for goods or services will be paid directly to IKEA once the statutory 14-day withdrawal period has expired. Example calculation: For a loan taken out for a cash purchase price of CHF 10,000 with a term of 48 months and an effective annual interest rate of 3.95%, the monthly instalment is CHF 225.26 and the total cost, including interest, is CHF 10,812.24. The lender is Cembra Money Bank AG, based in Zurich. Granting credit is prohibited if it leads to the over-indebtedness of the consumer. This offer is intended exclusively for persons aged 18 or over who are resident in Switzerland.
Tip: Plan your kitchen with our specialists
You’re in good hands with the free IKEA planning service. Book an appointment at an IKEA store, a Plan and Order Point or online to plan your kitchen with our kitchen specialists and ask any questions you may have.
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