Financing
Making even the smallest change at home can feel overwhelming if we end up spending more than planned.
That's why our financing service helps you pay for your purchases made in store, online at IKEA.es or by telephone at your own pace, over up to 24 months interest-free 0% APR(1)!
Create the home of your dreams without breaking the bank.
Find the product you need
Pay in instalments
A simple way to pay for all your purchases, from the comfort of your own home and in just one click.
- Flexible payments for your IKEA purchases over 3 to 72 months(2)
- Quick application process
- Valid on purchases from EUR 60 up to EUR 9,000
- Without the need to switch banks
Financing with IKEA VISA
- Instant, flexible access to financing with IKEA VISA
- Purchases up to EUR 3,000
- Pay in instalments over 3 to 72 months(1)
- Your purchase over up to 24 months interest-free 0% APR(1)
Line of credit
- For financing your purchases at IKEA stores
- Purchases up to EUR 30,000
- Pay in instalments over 3 to 72 months(1)
- Your purchase over up to 24 months interest-free 0% APR(1)
Financing for your business, 0% APR
With our special interest-free financing terms and conditions (0% APR)(3) for businesses, you'll be able to solve all your furnishing and accessory needs in a flexible way.
- Finance furniture purchases for your business
- Purchases up to EUR 10,000
- Pay in instalments over 3, 6 or 10 months
- Your loan in monthly instalments with 0% APR(3)
Reap its benefits
Easy
Whether you are applying for a credit card or opening an IKEA for Business account, the process is quick and easy.
Flexible
Your space, your rules. Choose how you want to pay for and finance your purchase.
Affordable
With a flexible payment schedule, you can start renovating your space right now.
How can we help you?
If you would like more information, please contact us through any of our channels and we will be happy to help you.
Disclaimer. 1. Financing through the IKEA VISA card is issued by the CaixaBank Payments & Consumer E.F.C., E.P., S.A.U. hybrid payment institution and is subject to its authorisation. The system chosen by the institution to protect payment service users' funds is to deposit them in a separate bank account held at CaixaBank, S.A. Learn more about ways of paying with your card here: www.caixabankpc.com/es/productos. Financing available over 3, 6, 10, 12, 18 or 24 months, interest-free (NIR: 0%. APR: 0%), and over 36, 48, 60 and 72 months for purchases made in IKEA stores in mainland Spain or online via IKEA.es, excluding the IKEA ASTURIAS store. Minimum amount of EUR 10 over 3, 6 or 10 months; and EUR 120, EUR 180, EUR 500, and EUR 720 over 12, 18, 24 or 36 months, respectively. Minimum amount of EUR 960 for 48, 60 and 72 months. Maximum amount available for financing: EUR 3,000. Representative example for a purchase of EUR 1,500 spread over 10 months. NIR: 0% APR: 0%. 10 instalments of EUR 150. Total amount owed and total cost of instalments: EUR 1,500. Total cost of credit (interest): EUR 0. Representative example for a purchase of EUR 3,000 spread over 36 months. NIR: 4.89% APR: 5%. 35 instalments of EUR 89.76. Final instalment: EUR 89.97. Total amount owed and total cost of instalments: EUR 3,231.57. Total cost of credit (interest): EUR 231.57.French amortisation system.
2. Loan is offered by the CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. hybrid payment institution, and is subject to its approval. Financing available over 3, 6, 10, 12, 18 or 24 months, interest-free (NIR: 0%. APR: 0%), 36, 48, 60 and 72 months. Minimum amount EUR 60. Maximum amount EUR 9,000. NIR 0%; APR 0%. Representative example for a purchase of EUR 1,000 (total loan amount) spread over 3 months. 2 instalments of EUR 333.33. Final instalment: EUR 333.34. Total amount owed and total cost of instalments: EUR 1,000. Total cost of credit (interest): EUR 0. Representative example for a purchase of EUR 1,000 (total loan amount) spread over 36 months. NIR: 4.84% APR: 5%. 35 instalments of EUR 29.92. Final instalment: EUR 29.97. Total amount owed and total cost of instalments: EUR 1,077.17. Total cost of credit (interest): EUR 77.17.French amortisation system.
3. Example of financing for EUR 1,000.Cash price: EUR 1,000.00. Payment over 10 months, 1 instalment of EUR 104.80 and 9 instalments of EUR 104.64. Borrowing rate 10.00% APR 10.51% (The first instalment and APR may vary based on the date the agreement is signed and the instalment payment dates). Interest EUR 46.56, Total credit amount EUR 1,000.00, Total cost of credit EUR 46.56, Total amount owed EUR 1,046.56, Total cost of instalments EUR 1,046.56. With an agreement date of 2 October 2024 and a first payment date of 2 November 2024. Offer valid until 31 March 2025. French amortisation system. Finance subject to checks and approval by Santander Consumer Finance, S.A.