Loan

Who can apply, and what you will need for your application

A woman smiling, sitting at a table with a laptop in front of her and a bookcase in the background.

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

A person using a mobile phone, a notebook and coffee cup in front of them and a laptop in the background.

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

Learn more about the IKEA Family credit card

Apply for IKEA Family Credit Card

Back to financing services

From the purchase date, within 30 days, you can convert any purchase of €99 or more made with your IKEA Family Credit Card at IKEA Germany into a 0% financing plan with a term of 3, 10, or 20 months in your online banking account; IKEA purchases of €4,000 or more can be converted with a term of 36 or 48 months. If you do not convert your purchase, the agreed price and service list applies in addition to the contract terms. You can find both at any service desk or at Ikea.de/Kreditkarte. Creditworthiness required. Lender is Ikano Bank AB (publ.), German branch, Wettinerstraße 5, 65189 Wiesbaden.

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.