Finance Services
At IKEA, we want to ensure that everyone can create a home that matches their style and personality, not just their budget. That’s why we offer interest-free credit and are exploring adding more financing options in the future.
With our Finance Services, you can create a home as unique as you, and there’s always more than one way to pay.
Explore our offering
Interest-free credit
Our Finance Services offer interest-free credit for every type of project, from redecorating a small space to full renovation. Apply for interest-free credit and get an answer quickly. Enjoy fixed monthly payments with no interest and no processing fees.
You will be redirected to our financial partner Ikano Bank
Enjoy the benefits
Simplicity
When you're applying for interest-free credit, our process is quick and easy.
Flexibility
It’s your home — on your terms. Select how you pay and spread out your payments over time.
Affordability
With a flexible payment schedule, you can afford to refresh that room right here, right now.
Your business, your terms
Whether you’re overhauling your whole office or rethinking your at-home workspace, Finance for your business can help you find a financing setup that gets you ready to do your best work yet.
Frequently asked questions
Yes, we offer interest-free credit (0% APR Representative) from £99 to £15,000 when shopping in-store, online or through an online planning appointment. Our Interest-free credit is available over different time periods, depending on how much you borrow:
Amount Duration
Between £99 - £299 3 or 6 months
Between £300 - £599 3, 6 or 10 months
Between £600 - £1,199 3, 6, 10 or 18 months
Between £1,200 - £2,999 6, 10, 18 or 24 months
Between £3,000 - £4,499 10, 18, 24 or 36 months
Between £4,500 - £15,000 24, 36 or 48 months
You can apply for finance on all IKEA products (except IKEA Food) and include your delivery/collection or kitchen installation.
You can use a loan with our Interest-free credit on all our products except IKEA Food products purchased at the IKEA Swedish Food Market, IKEA Restaurant and IKEA Bistro. Please note that installation and delivery/collection services can be included in the loan amount when applying for a loan.
You can return or exchange any IKEA furniture purchased with our Interest-free credit, in line with our IKEA refunds policy. The refund will be processed by Ikano Bank against your finance agreement in place, a refund is not issued by the store nor contact centre.
If you need to pay for our kitchen installation, delivery or collection services, you can add them to the amount you’re looking to borrow applying for your loan.