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How does IKEA help me with financing options?

Find the financing option that suits your needs.

With our flexible financing options, you – as a private individual or company – can furnish your home according to your style and your ideas.

Family Credit Card

  • No annual fee
  • 0% financing from 99€*
  • At least 30 days interest-free and payment-free
*Terms & Lenders IKEA Family Credit Card
From the date of purchase, you can convert any purchase of 99 euros or more at IKEA Germany made with your IKEA Family credit card into 0% financing with a term of 3, 10 or 20 months in your online banking account within 30 days; IKEA purchases of 4,000 euros or more can be converted with a term of 36 or 48 months. If you do not convert your purchase, the agreed list of prices and services applies in addition to the contractual conditions. You can also find both at every counseling booth or under Ikea.de/Kreditkarte. Creditworthiness required. The contractual partner is Ikano Bank AB (publ.), Zweigniederlassung Deutschland, Wettinerstraße 5, 65189 Wiesbaden. 
 

Installment financing

  • Ideal for larger or individual projects
  • Constant installments and fixed term
  • Financing from €800–€20,000
  • Flexible terms from 12 to 84 months
  • You have up to 10 weeks from the conclusion of the contract to make your IKEA purchases
  • Effective annual interest rate of 8.49% p.a.*
  • Apply quickly and easily online
*Representative example according to § 17 para. 4 PAngV:
Net loan amount 5,000 euros, term of the contract/number of installments: 60 months, effective annual interest rate 8.49% p.a., borrowing rate (fixed) 8.18% p.a., monthly. unchanged rate 101.82 euros, as well as a different final installment of 77.44 euros, creditworthiness required. Total amount 6084.82 euros.The contractual partner is Ikano Bank AB (publ), Zweigniederlassung Deutschland, Wettinerstraße 5, 65189 Wiesbaden.
 
The contractual partner is Ikano Bank AB (publ.), Zweigniederlassung Deutschland, Wettinerstraße 5, 65189 Wiesbaden. 
You can choose the financial product of your choice online and apply for it with the help of your smartphone in any IKEA store and design studio.
You can find more details about our financing as well as frequently asked questions here.
 
 
 
 
 
 
 

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