Finance services
At IKEA, we want to ensure that everyone can create a home that matches their style and personality, not just their budget.
There is more than one way to finance your dreams.
IKEA Family credit card
- With the IKEA Family credit card, you may be eligible for a 0% interest instalment plan on IKEA purchases from £99 to £2,000.
- Collect IKEA Family points everywhere you spend, and unlock rewards within IKEA.
- Collect double points for every £5 spent on your IKEA Family credit card at IKEA when used with your IKEA Family member card.
Representative example
- Assumed Credit Limit: £1200
- Purchase rate: 23.9% p.a. variable
- Representative APR: 23.9% APR representative variable
IKEA Limited acts as a credit broker and not a lender and only offers finance products from Ikano Bank AB (publ). Terms and conditions apply. Other finance products are available. Learn more at IKEA.co.uk/finance.
The standard purchase interest rate will apply to all purchases where an instalment plan is not available, not selected, or where you miss or fail to make a payment on your instalment plan. The standard interest rate for purchases will be either 23.9% p.a. variable or 29.9% p.a. variable depending on your financial circumstances. Instalment plan options and availability (subject to terms and conditions and eligibility criteria) are communicated and managed in the IKEA Finance app. Your final monthly instalment may differ from the amount shown. If you miss or fail to make a payment on your instalment plan, any unpaid part of that instalment plan payment will revert to the standard purchase interest rate, and default charges will apply in line with you credit card agreement. All instalment plans will be cancelled once you are two minimum payments behind and interest will then be charged on instalment plan balances at the standard purchase interest rate. Finance is available to UK residents aged 18 or over, subject to status. IKEA Family membership required, join for free at IKEA.co.uk/family. Points are excluded for Gift card purchases within IKEA
Interest-free loans
- Perfect for larger projects
- 0% interest-free credit from £1,500 to £15,000
- Fixed monthly payments over 24 to 48 months
- For IKEA purchases in-store or online
IKEA Limited acts as a credit broker and not a lender and only offers finance products from Ikano Bank AB (Publ), subject to status. Terms and conditions apply. The cost of selected services (such as delivery and kitchen installation) can also be added to your finance application. Your finance application will exclude products purchased from the Swedish Restaurant, Swedish Bistro and Swedish Food Market.
Choose the best IKEA UK Finance option for you
With an IKEA Family Credit Card you could convert your completed IKEA transactions to an interest free instalment plan (subject to terms and conditions, availability and eligibility criteria)
- 3 months, 0% interest instalment plans available *for spends between £99 - £299
- 10 months, 0% interest instalment plans available *for spends between £300 - £1,199
- 20 months, 0% interest instalment plans available *for spends between £1,200 - £2,000
The usual interest rate for purchases is 23.9% p.a. (variable). If you fall two payments behind on your credit card, your instalment plans will revert to the usual interest rate for purchases.
Ikano notify via your Finance App when a completed transaction is eligible to be converted to an instalment plan.
With an IKEA Loan the following options are available (subject to status).
- 0% APR interest on spends between £1,500 - £4,499, repayable in fixed monthly repayments over 24 months
- 0% APR interest on spends between £3,000 - £15,000, repayable in fixed monthly repayments over 30 months
- 0% APR interest on spends between £4,500 - £15,000, repayable in fixed monthly repayments over 48 months
With an IKEA Family Credit Card you could convert your completed NON IKEA transactions to an interest free instalment plan. A set up fee of 3% applies.
3 months, 0% interest instalment plans available *for spends between £99 - £299. The 3% fee is divided equally between the repayments.
IKANO will notify via your Finance App when a completed transaction is eligible to be converted to an instalment plan.
*Ikano will notify you of the maximum number of instalment plans you have available to use after you apply. You can only convert a purchase to an instalment plan after you have entered your card agreement and have been notified that the purchase is eligible.
Have more questions?
Get answers and learn more about IKEA Financial Services.