Loan
From individual desired products to larger projects – make it easy for yourself and realize your ideas with flexible financing from €800 to €20,000.
With our loan, you benefit from many advantages:
- Financing from €800–€20,000*
- Flexible terms from 12 to 84 months
- You have up to 10 weeks from the date of 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 Abs. 4 PAngV (German regulation on price indication):
Net loan amount €5,000, contract term/number of installments: 60 months, effective annual interest rate 8.49% p.a., fixed borrowing rate 8.18% p.a., constant monthly installment €101.82, and a deviating final installment of €77.44, subject to creditworthiness. Total amount €6084.82. Contract partner is Ikano Bank AB (publ), German branch, Wettinerstraße 5, 65189 Wiesbaden.
How it works
Our quick and simple application process allows you to turn inspiration into reality, in no time at all. You can apply for loan online and with the help of your smartphone in any IKEA store and planning studio.
Prepare documents
An identity document and, if applicable, other documents are required for the application.
Apply online or in store
You can apply for your loan online and with the help of your smartphone in any IKEA store or planning studio.
IKEA locationsComplete application
Verify your identity directly via OnlineIdent, PostIdent or on site in an IKEA store.
Shop right away
Your loan is ready to use immediately: in the IKEA store, in the planning studio and online at ikea.de.
Good to know:
- Your monthly repayments are fixed, so no surprises await you. If you don’t use the full loan amount, your monthly instalment stays the same, but the loan term becomes shorter.
- If your application is approved, you will have up to 10 weeks to make use of your loan – either in the store or online.
Who can apply, and what you will need for your application
What are the requirements for applying for a loan?
- Minimum age 18 years
- Residence in Germany and valid bank account
- Identification in your IKEA store or with the help of OnlineIdent/PostIdent procedures
What documents do I need for the application?
German citizens and EU citizens:
- Valid official photo ID (passport, national ID card)
- If the address is not visible on the identification document: registration certificate (max. 1 year old) or electricity or gas bill (max. 1 year old and issued to the applicant) or proof of income or phone bill (max. 3 months old and issued to the applicant)
Non-EU citizens:
- Valid passport
- Unlimited residence permit (settlement permit or permanent EU residence)
- Registration certificate
- Alternatively, proof of address in the form of an electricity or gas bill (maximum 1 year old), telephone, internet/TV, mobile phone bill, or payslip (maximum 3 months old), issued in the applicant's name
You will be redirected to our financial partner Ikano Bank
Alternative financing option
IKEA Family credit card
- No annual fee
- 0% financing from €99*
- At least 30 days interest-free and payment-free
General Terms and Conditions
IKEA acts as a credit broker, not a lender, and only offers credit services from Ikano Bank. Your lender and contract counterparty is Ikano Bank AB (publ.), Zweigniederlassung Deutschland, Wettinerstraße 5, 65189 Wiesbaden.
The credit offer is valid for residents in Germany aged eighteen and over.
The general credit terms and conditions apply.
Refer to the Ikano Bank website for their general terms and conditions.