Sofas & armchairs
Financing
ADVERTISING. 1. Financing through the IKEA VISA card, which is issued by the hybrid payment entity CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U., and is subject to its authorisation. The entity has chosen as a system of protection of the funds received from users of payment services that provides its deposit in a separate bank account opened with CaixaBank, S.A. Find out more about the payment methods of your card here: www.caixabankpc.com/es/productos.Financiación available in 3, 6, 10, 12, 18, 24 interest free (TIN: 0 %. APR 0 %), 36, 48, 60 and 72 months for purchases made in IKEA shops on the peninsula and IKEA.es online shop, except for the IKEA ASTURIAS shop. Minimum amount €10 for 3, 6 and 10 months; €120, €180, €500 and €720 for 12, 18, 24 and 36 months, respectively; and €960 for 48, 60 and 72 months. Maximum amount to be financed is €3,000. Representative example for a purchase of €1,500 financed in 10 months. TIN 0 % APR 0 %. 10 instalments of €150. Total amount owed and total price in instalments: €1,500. Total cost of the credit (interest): € 0. Representative example for a purchase of €3,000 financed over 36 months. TIN 4.89 % APR 5 %. 35 instalments of € 89.76. Last instalment of €89.97. Total amount owed and total price in instalments: € 3.231,57. Total cost of credit (interest): €231.57. French amortisation system.
2. Choose your monthly instalment, with a minimum of €5, provided that this instalment is not less than the minimum monthly amount we set to prevent your debt from getting longer over time. The conditions of this minimum instalment are set out in the INE and in the contract and you will see it calculated in your web client space or app, as well as on your monthly statement, depending on the amount you have drawn down. Representative example for a purchase financed with the €1,500 revolving payment method. TIN 20.88 % TAE 23 %. 48 monthly instalments of €46.35. Interest and total cost of the credit €724.80. Total price in instalments and total amount owed: € 2,224.80. French amortisation system.
3. Payment in instalments is valid for purchases made outside IKEA. Each purchase of more than €30 can be paid in instalments, provided that the payment method at the time of purchase is at the end of the month. It is necessary to request the instalments before the 20th of each month. For instalments over 3 months, minimum amount €30, NIR 0 % APR 19.77 %, service fee 3 % to be paid in the first instalment, representative example: for an instalment purchase of €1,500, first instalment €545, remaining instalments €500, total amount due: €1,545. Total cost of credit €45. Total price in instalments: €1,545. For instalments over 6 months, minimum amount € 60, NIR 14.95 % APR 16.01 %, representative example: for an instalment purchase of € 1,500, 6 instalments of € 261.01, interest € 66.06, total amount owed: € 1,566.06. Total cost of credit €66.06. Total price in instalments: €1,566.06. To be spread over 10 months, minimum amount €100. TIN 14.95 % APR 16.01 %, representative example: for an instalment purchase of 1,500 €, 10 instalments of 160.47 €, interest 104.70 € total amount due 1,604.70 €. Total cost of credit €104.70. Total price in instalments: €1,604.70. For instalments over 12 months, minimum amount €120, NIR 14.95 % APR 16.01 %, representative example: for an instalment purchase of €1,500, 12 instalments of €135.35, interest €124.20, total amount due €1,624.20. Total cost of credit €124.20. Total price in instalments: €1,624.20. Using the French amortisation system for instalments over 3, 6, 10 and 12 months.