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Finance Services

We’ve made it even simpler for you to make your home truly yours, giving you more flexible ways to pay for your IKEA goods at no extra cost.

How to apply for Finance | Calculate your monthly payment | Terms and conditions

0% APR Interest-free credit

Bring your ideas to life with Interest-free credit (0% APR representative) from £99 to £15,000 and spread your repayment over 3 months to 4 years.

​Our quick and simple application process allows you to turn inspiration into reality, in no time at all. Whatever your next project is, let us help you achieve it in the way that suits you best.​

How does it work?

  1. Create your shopping list, including any installation or delivery/collection services.
  2. Use your smart phone or tablet to complete the quick and easy online Interest-free credit application form via the web or via the IKEA Finance App at home before your purchase.
  3. Return to IKEA.co.uk or in-store to complete your purchase with your virtual card.
Apply for Interest-free credit

You will be redirected to our financial partner Ikano Bank

    • We offer Interest-free credit (0% APR Representative) to customers shopping in store, online or through an online planning appointment. ​

      Take advantage of our different options below:

      Amount                                      -Duration

      Between £99​ - £299                   - 3 months
      Between £300 - £599                 - 3 or 6 months
      Between £600​ - £1,199              -3, 6 or 10 months
      Between £1,200 - £2,999​           -6, 10 or 24 months 
      Between £3,000​ - £4,999           -10, 24 or 36 months
      From £5,000​ and above            -24, 36 or 48 months

      Maximum limit of £15,000. ​Installation and delivery/collection services can be added to the loan amount.​

    • To apply, you will need to provide valid photo driving licence (full or provisional /UK or non-UK) or valid passport – (UK or non-UK) and you will need to enter your home address for the last 2 years and your employment status.​

    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.