Finance with a line of credit

You can make your biggest dreams come true thanks to our line of credit¹. Choose how much you need and your repayment method.

To finance your purchases in IKEA stores
Apply for EUR 300 to EUR 30,000
Flexible payments over 3 to 72 months⁽¹⁾

Finance product offered by CaixaBank Payments & Consumer

How to apply| FAQ | Terms and conditions

How to apply for your line of credit

Head in to our finance area in store

To apply for a line of credit, you'll need to visit our designated areas in store at IKEA.

Apply for the line of credit

Apply for the line of credit with one of our co-workers and receive the credit immediately. If the application needs reviewing, it will take between 30 minutes and a day to be approved.

Start shopping

As soon as your application is approved, you will receive a card to use for shopping in our stores and you'll have up to two months to use it.

FAQs

Line of credit application

You will need to submit the following documentation:

An ID document such as your DNI (Spanish national identity card) or passport.

An original bank statement showing your name and account number for collection of payment.

Original copy of a proof of income:

Your most recent payslip.

Self-employed, managers and administrators: last individual tax return (form 100) or quarterly return (form 130 or 131).

Pensioners: certificate of monthly pension income.

For purchases over EUR 12,000 you will need to submit your most recent tax return

Managing your line of credit

Day-to-day use of your line of credit

You can change your payment method for your line of credit at any time.

The payment method will be updated depending on the date on which you make the change:

1st to 20th of each month: the payment method will be updated for the current billing cycle.

21st to the end of the month: the payment method will be updated for the next billing cycle.

You will be able to choose your preferred payment method:

Deferred payment (revolving)

End of month

If you choose the revolving payments offered by your line of credit, you choose how much you want to pay each month (with minimum payments from EUR 5 per month⁽²⁾⁾ and the capital that you repay can be used again, adhering to the minimum payment that the entity establishes to ensure that your debt does not grow over time.

If you choose the end-of-month payment method, you'll also be able to split your desired purchase over a period of 3, 6, 10 or 12 months⁽²⁾.

Still have questions?

Find answers and more information about the line of credit with CaixaBank Payments & Consumer

More info

DISCLAIMER: 1. The line of credit 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. See how our lines of credit work at 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, 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: 4.84% 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. Choose your monthly repayment amount, a minimum of EUR 5, provided that this instalment is no less than the monthly amount that we set to avoid your debt being prolonged over time. The terms and conditions of this minimum instalment are established in the European Standardised Information Sheet and in the contract and will be calculated in your customer area on the website or app, as well as your monthly statement, based on the arranged amount. Representative example for a purchase financed using the revolving payment method of EUR 1,500. NIR: 20.88%. APR: 23%. 48 monthly instalments of EUR 46.35. Interest and total cost of credit: EUR 724.80. Total instalment price and total amount due: EUR 2,224.80 French amortisation system.