Interest-free credit
Why not spread the cost? From a particular product to a full home renovation, bring your ideas to life with interest-free credit from £99 to £15,000. With interest-free credit, you can enjoy:
- 0% APR (Representative)
- No hidden fees
- Flexible repayment terms from 3 months to 4 years*
IKEA Limited acts as a credit broker not a lender and only offers credit products from IKANO Bank. Subject to status UK residents age 18 years and over. T&Cs apply.
*Subject to availability
Learn about interest-free credit:
How it works | IKEA Finance App | Calculate your monthly payment | FAQ | Support | Terms and conditions
You will be redirected to our financial partner Ikano Bank
Remember to include any chosen service eg: installation, delivery or collection services, if required.
General interest-free finance terms and conditions
IKEA Limited acts as a credit broker, not a lender and only offers credit products for Ikano Bank.
Credit is provided by Ikano Bank and is available subject to status to UK residents aged 18 or over. Terms and Conditions apply. To apply, you will need to provide a provisional or full photo driving licence or a valid UK passport and you will need to enter your home address for the last 2 years and your employment status.
Further details are available from IKEA Customer Support, Kingston Park, Fletton, Peterborough, PE2 9ET.
How it works
Our quick and simple application process allows you to turn inspiration into reality, in no time at all.
Please be aware that this is an online product. You will need to be able to apply and manage your account online.
Estimate
Create your shopping list. Remember to include any installation, delivery or collection services, if needed. Then use our calculator to estimate your monthly payment.
Apply
Complete the quick and easy application form on the website or IKEA Finance App. You’ll know if you’re approved within minutes!
Shop
Once approved, accept and sign your agreement, and you'll have up to 90 days to spend your credit in-store or online.
Good to know:
- Your monthly repayments are fixed, so there are no surprises. If you do not spend all your loan amount, your monthly repayment amount will not change but you will pay back the loan over a shorter period.
- Should your application be approved, you will be issued with a virtual card, upon which you will have 90 days to spend up to your loan value. Please consider this when making your application.
- Failure to keep up repayments or to make repayments on time may result in additional charges. This may also affect your credit rating and may impact your ability to borrow in future.
Who can apply, and what you will need for your application
Who can apply?
Credit is provided by Ikano Bank and is available to you if you are:
- a permanent UK resident
- aged 18 or over
- have a good credit history
There are certain exemptions. For full details, before you apply, visit the Ikano pre-eligibility page.
What you will need
To apply, you will need:
- a provisional or full photo driving licence or a valid UK passport
- your home address(es) for the last 2 years
- your employment status
- an email address
- a personal bank account in your name
There are certain exemptions. For full details, before you apply, visit the Ikano pre-eligibility page.
You will be redirected to our financial partner Ikano Bank
Remember to include any chosen service eg: installation, delivery or collection services, if required.
General interest-free finance terms and conditions
IKEA Limited acts as a credit broker, not a lender and only offers credit products for Ikano Bank.
Credit is provided by Ikano Bank and is available subject to status to UK residents aged 18 or over. Terms and Conditions apply. To apply, you will need to provide a provisional or full photo driving licence or a valid UK passport and you will need to enter your home address for the last 2 years and your employment status.
Further details are available from IKEA Customer Support, Kingston Park, Fletton, Peterborough, PE2 9ET.
Apply and manage more with the app
Download the IKEA Finance app for an easier application process. Spend your loan straightaway in store and online, manage your repayments and more.
Frequently asked questions
Need a little extra help?
Get help from the Ikano support team and learn more about Interest-free credit.
General Terms and Conditions
IKEA Limited acts as a credit broker, not a lender and only offers credit products for Ikano Bank. Credit is provided by Ikano Bank and is available subject to status to UK residents aged 18 or over. Terms and Conditions apply. To apply, you will need to provide a provisional or full photo driving licence or a valid UK passport and you will need to enter your home address for the last 2 years and your employment status. Further details available from IKEA Customer Support, Kingston Park, Fletton, Peterborough, PE2 9ET.